Clay Insurance Rates:

Clay, NY homeowners insurance is approximately $505 to $684, about $42-$57/month. Our comprehensive analysis reveals consumers can save as much as $237 by comparing different quotes. Enter your zipcode below and click “GO” to get multiple free quotes.

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Latest Home Insurance Reviews

Allstate
They make it very easy to set up and pay for insurance. allstate does all the work and they are trustworthy.
Progressive
I do not like that progressive seems like they are always trying to sell me additional services. frequently i'm asked if i would like to purchase other types of insurance.
Feltner Group
I've had them since i purchased my home many years ago. they have a local agent so i can stop by at any time to talk with them when needed.
Erie Insurance
Not applicable. I've never filed a home insurance claim. Fortunately, nothing has happened that warranted a claim, at least nothing that would cost more than the deductible to fix.
Aaa
IT IS GOOD AND WORTHY CUSTOMER SERVICE, I APPRECIATE
Aaa
We have had no major problems with them and we have the coverage we need. However, my premium keeps going up and up despite us not filing any claims.

Clay, NY Homeowners Insurance By Home Value

Clay, NY Home Value Total Homes % of Total Average Clay, NY Homeowners Insurance
Less than $50,000 472 2.0% $106
$60,000 to $69,999 328 1.0% $279
$70,000 to $79,999 692 4.0% $326
$80,000 to $89,999 840 4.0% $368
$90,000 to $99,999 1,286 7.0% $409
$100,000 to $124,999 3,327 19.0% $475
$125,000 to $149,999 3,367 20.0% $594
$150,000 to $174,999 2,833 16.0% $706
$175,000 to $199,999 1,435 8.0% $813
$200,000 to $249,999 1,367 8.0% $980
$250,000 to $299,999 520 3.0% $1199
$300,000 to $399,999 273 1.0% $1520

Top Home Insurance Agents Near Clay, NY

Home Insurance Company Near Clay, NY Homeowners Insurance Agency Near Clay, NY Address
Travelers Banach & Toomey Inc 1239 W GENESEE ST, SYRACUSE, NY, 13204
Nationwide Mark Malvaso Llc 106 East Main St., Elbridge, NY, 13060-0700
Travelers Nbt-Mang Insurance Agency 120 MADISON ST 18TH FL AXA TOWER, SYRACUSE, NY, 13202
Travelers Oswego Valley Ins Agencies Llc 219 COUNTY ROUTE 57 STOP 12, PHOENIX, NY, 13135
Allstate Peter Herbert 2851 Milton Ave, Solvay, NY, 13209

Cost Of Homeowners Insurance By Street Near Clay, NY

Streets in Clay Area Homeowners Insurance Cost
Loveland Dr, Gabion Way, Borgase Ln, Nectarine Ln, Goguen Dr, S Fancher Rd, Fireside Dr, Moonvalley Dr, Centerville Ct, Poseidon Cir$600
Dominion Pkwy, Altair Course, Sextant Dr, Plantation Blvd, Alfred Dr, Liffey Ln, Odonnell St, Allen Rd, Girvan Ct, Shaver Ave$584
Thunderbird Rd, Landsend Ln, Vine Meadow Dr, Hoytville Ave, Belmore Dr, Heins Ave, Willow Rd, Aster Dr, Harbor Cir, Sagamore Dr S$595
Treadmill Cir, Soule Rd, Grant Ct, McIntosh St, Portobello Way, Matchwood Ln, Grapewood Ln, Plinius Way, Soule Rd, Foster Rd$595
Gateway Park Dr, Kingman Rd, Candleflame Ct, Winterhaven Dr, Marlin Dr, Woodspath Rd, Plum Yew Cir, White Rd, Antler Ln, Donegal Way$596

Clay, NY Home Insurance Savings For Senior Occupied Homes

PlaceSavings For Senior Occupied Homes
Clay$89 to $91
North Syracuse$88
Brewerton$89
Sand Ridge$86

Clay, NY Auto & Homeowners Insurance Bundling Discounts

Place 1 Car Bundle Savings On Insurance 2 Car Bundle Savings On Insurance 3 Car Bundle Savings On Insurance
North Syracuse village, New York $73 $97 $146
Brewerton CDP, New York $74 $99 $148
Liverpool village, New York $74 $98 $147

Clay, NY Area Home Insurance as a % of Housing Cost

PlaceHome insurance as a % of housing cost for homes with mortgageHome insurance as a % of housing cost for homes without mortgage
Clay, NY3.6%9.6%
North Syracuse4.34%10.8%
Brewerton3.31%12.07%
Liverpool3.65%8.89%

Clay Renters Insurance as a Percentage of Rent

Clay Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
$200 to $299 68 1.0% $796
$300 to $499 112 1.0% $1246
$500 to $749 1,665 29.0% $1921
$750 to $999 2,853 49.0% $2671
$1,000 to $1,499 854 14.0% $3796
$1,500 or more 153 2.0% $5446

Clay, NY Home Insurance Costs With Deductible Scenario

Low DeductibleHigh Deductible
Deductible$1,600$3,600
Yearly Clay Homeowner Insurance Premium Example $3,400$2,900
Out of Pocket Expense During Claim$1,600$3,600
Total Home Insurance Premium for 5 years + Out of Pocket Expense for Claim $18,600$18,100
Net Savings to Clay Home Owner from High Deductible Plan $500

Clay, NY Home Insurance Costs With Home Replacement Value Scenarios

Scenario Clay, NY Home Replacement Value MORE than Home Value Clay, NY Home Replacement Value LESS than Home Value
Replacement Value $171,500 $117,000
Insurance Premium based on Replacement Value $1,675 $1,150
Risk Exposure from Under Insuring Coverage Unnecessary Home Insurance Coverage of $31,000 Risk Exposure from Under Insuring Coverage is $23,500
Premium Impact Insurance cheaper by $225/year Insurance costlier by $300/year

Example Clay Homeowners Insurance Comparison Table to Compare The Cheapest Quotes

Insurance Company Chubb Group of InsuranceNationwide InsuranceState Farm
Monthly Premium 100245181
Year Built 196119751984
Home Details 3 Beds, 2 Baths4 Beds, 3 Baths5 Beds, 1 Baths
Coverage Amount $200000-$250000$250000-$300000$350000-$400000
Deductible > $10,000 Deductible$500 Deductible$2500-$5000 Deductible

Sample Home Insurance Rates for Clay, NY from Consumer Reviews & Surveys

Year Built Home Value Roof Type Sqft Number of Bedrooms Deductible Premium Premium Months Siding Type Smoker/Non Smoker
1981 145,000 Tile Roof 1,850 4 $500- $1000 Deductible 1030 12 Vinyl siding yes
1973 195,000 Metal Roof 2,100 4 $500 Deductible 1870 10 Brick siding No
1964 135,000 Slate Shingles Roof 1,950 5 $500 Deductible 230 2 Fiber-Cement Siding yes
2000 170,000 Tile Roof 2,060 4 $500 Deductible 850 7 Wood siding No
1984 305,000 Wood Shake Roof 3,090 4 > $10,000 Deductible 390 3 Stucco siding yes
1979 200,000 Tile Roof 2,370 3 $2500-$5000 Deductible 1120 9 Fiber-Cement Siding yes
1976 175,000 Tile Roof 1,730 3 $5000 to $10,000 Deductible 240 4 Fiber-Cement Siding yes
1988 190,000 Membrane Roof 2,080 5 $5000 to $10,000 Deductible 1280 12 Stone Siding No
1997 110,000 Wood Shake Roof 1,620 3 $500 Deductible 710 7 Wood siding No
1995 135,000 Asphalt Shingles Roof 1,960 3 $2500-$5000 Deductible 1070 12 Wood siding yes
1966 260,000 Shingles Roof 3,180 5 $500 Deductible 1470 7 Wood siding No
2007 230,000 Shingles Roof 2,310 3 > $10,000 Deductible 890 6 Fiber-Cement Siding No
2005 215,000 Tile Roof 2,180 4 $1000-$2500 Deductible 1060 8 Wood siding No
1998 355,000 Composition Roof 4,800 5 > $10,000 Deductible 3050 12 Wood siding No
1980 220,000 Tile Roof 2,230 3 $1000-$2500 Deductible 140 1 Wood siding yes
2006 150,000 Membrane Roof 1,530 5 $500 Deductible 1090 7 Stone Siding No
1979 350,000 Composition Roof 4,480 5 $5000 to $10,000 Deductible 1940 8 Vinyl siding No
1975 290,000 Shingles Roof 3,600 5 $1000-$2500 Deductible 2180 12 Vinyl siding yes
1971 260,000 Slate Shingles Roof 2,860 4 $500 Deductible 2160 8 Brick siding yes
1998 145,000 Wood Shake Roof 1,810 3 $500- $1000 Deductible 380 5 Stucco siding No