Clayton Insurance Rates:

Clayton, CA homeowners insurance is roughly $562 to $766, about $46-$63/month. Our in depth research reveals consumers can save as much as $265 by getting many quotes. Enter your zipcode below and click “GO” to get multiple free quotes.

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Clayton, CA Homeowners Insurance By Home Value

Clayton, CA Home Value Total Homes % of Total Average Clayton, CA Homeowners Insurance
Less than $50,000 8 1.0% $26
$50,000 to $59,999 14 2.0% $53
$60,000 to $69,999 68 13.0% $66
$70,000 to $79,999 14 2.0% $79
$80,000 to $89,999 9 1.0% $92
$150,000 to $174,999 11 2.0% $172
$200,000 to $249,999 22 4.0% $245
$250,000 to $299,999 49 9.0% $298
$300,000 to $399,999 325 62.0% $378

Top Home Insurance Agents Near Clayton, CA

Home Insurance Company Near Clayton, CA Homeowners Insurance Agency Near Clayton, CA Address
Liberty Mutual Independent Al Zeidler Ins Agency Inc 865 SWEETSER AVE STE E, NOVATO, CA, 94945
Liberty Mutual Independent Atlantic - Pacific Ins Broker 2542 S BASCOM AVE 280, CAMPBELL, CA, 95008
Farmers Dean Uecker 1444 W Main St Ste A, Ripon, CA, 95366
Farmers Joanne Dinis 8861 Williamson Dr Ste 20, Elk Grove, CA, 95624
Farmers Sandra Valdivia 874 23rd St, Richmond, CA, 94804

Cost Of Homeowners Insurance By Street Near Clayton, CA

Streets in Clayton Area Homeowners Insurance Cost
Pepperridge Way, Rolling Woods Way, Mount Teton Pl, Panadero Ct, Atchinson Stage Ct, Bridlewood Ct, Pine Hollow Rd, Clifford Ct, Amaranth Way, Keller Ridge Dr$645
Frank Pl, Lewis Way, Frontier Cir, Roundtree Pl, Peacock Creek Dr, Mount Rainier Ct, Mount Hamilton Ct, Montecito Dr, Petar Ct, Lydia Ln$666
Morgan Territory Rd, Osage Pl, Hummingbird Way, Diablo Downs Dr, Homedale Dr, Mount Wilson Pl, Moccasin Ct, Rhode Island Ct, Waldamar Ct, Plz Nogal$662
Mountaire Pkwy, Anizumne Ct, Tamarack Way, Obsidian Way, Eastbrook Ct, Mount Olivet Pl, Quiet Cir, Nottingham Cir, Bark Wood Ct, del Trigo$647
Eliot Ct, Mount Whitney Ct, Pepperridge Pl, Byron Ct, Nevada Ct, Maplegate Ct, Indiana Dr, Oakhurst Dr, Pine Hollow Rd, Heritage Trl$664

Clayton, CA Home Insurance Savings For Senior Occupied Homes

PlaceSavings For Senior Occupied Homes
Clayton$99 to $102
Contra Costa County$95
North Gate$97
Concord$94

Clayton, CA Auto & Homeowners Insurance Bundling Discounts

Place 1 Car Bundle Savings On Insurance 2 Car Bundle Savings On Insurance 3 Car Bundle Savings On Insurance
Contra Costa County, California $80 $106 $159
North Gate CDP, California $81 $108 $162
Concord city, California $78 $104 $156

Clayton, CA 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
Clayton, CA1.8%8.2%
Contra Costa County1.96%9.69%
Concord2.22%11.0%
Pittsburg2.35%11.38%

Clayton Renters Insurance as a Percentage of Rent

Clayton Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
$200 to $299 15 3.0% $765
$300 to $499 17 4.0% $1215
$500 to $749 22 5.0% $1890
$1,000 to $1,499 15 3.0% $3765
$1,500 or more 316 82.0% $5415

Average Cost Of Home Insurance By Company In Areas Nearby Clayton For Different Scenarios

Coverage ($) Deductible ($) Age of home Company Average homeowners insurance premium ($)
1500005001-3 YearsAIG Prop Cas761
1500005001-3 YearsMetropolitan Direct689
1500005004-6 YearsTokio Marine America171
15000050016-25 YearsMAPFRE Group489
15000050041-70 YearsHorace Mann P & C485
15000050041-70 YearsUSAA440
15000050041-70 YearsWestern Mutual/Residence572
200000500NewUSAA422
2000005007-15 YearsIDS Property Casualty577
20000050026-40 YearsHorace Mann P & C650
20000050041-70 YearsMetropolitan Direct1241
25000010001-3 YearsHartford (Sentinel)479
25000010001-3 YearsMercury Ins Group304
250000100026-40 YearsMercury Ins Group475
250000100026-40 YearsState Farm739
250000100041-70 YearsAmerican Security1728
250000100041-70 YearsChubb/Federal1235
250000100041-70 YearsCSE Safeguard664
250000100041-70 YearsUnigard Group754
2500005001-3 YearsAAA (Interinsurance Exchange)571
2500005001-3 YearsAmerican Security579
2500005004-6 YearsPacific Specialty570
2500005007-15 YearsUSAA699

Clayton, CA Home Insurance Costs With Deductible Scenario

Low DeductibleHigh Deductible
Deductible$1,300$4,300
Yearly Clayton Homeowner Insurance Premium Example $2,500$1,900
Out of Pocket Expense During Claim$1,300$4,300
Total Home Insurance Premium for 7 years + Out of Pocket Expense for Claim $18,800$17,600
Net Savings to Clayton Home Owner from High Deductible Plan $1,200

Clayton, CA Home Insurance Costs With Home Replacement Value Scenarios

Scenario Clayton, CA Home Replacement Value MORE than Home Value Clayton, CA Home Replacement Value LESS than Home Value
Replacement Value $730,500 $534,000
Insurance Premium based on Replacement Value $2,550 $1,875
Risk Exposure from Under Insuring Coverage Unnecessary Home Insurance Coverage of $80,000 Risk Exposure from Under Insuring Coverage is $116,500
Premium Impact Insurance cheaper by $400/year Insurance costlier by $275/year

Example Clayton Homeowners Insurance Comparison Table to Compare The Cheapest Quotes

Insurance Company Farmers InsuranceNationwide InsuranceChubb Group of Insurance
Monthly Premium 178107101
Year Built 199820021987
Home Details 4 Beds, 3 Baths5 Beds, 4 Baths4 Beds, 1 Baths
Coverage Amount $600000-$700000$800000-$900000$800000-$900000
Deductible $500 Deductible$5000 to $10,000 Deductible> $10,000 Deductible

Sample Home Insurance Rates for Clayton, CA from Consumer Reviews & Surveys

Year Built Home Value Roof Type Sqft Number of Bedrooms Deductible Premium Premium Months Siding Type Smoker/Non Smoker
1996 460,000 Metal Roof 1,670 4 $5000 to $10,000 Deductible 140 2 Wood siding No
2002 1,130,000 Slate Shingles Roof 4,760 5 $1000-$2500 Deductible 2020 12 Stucco siding No
1980 610,000 Tile Roof 2,310 4 $500 Deductible 270 2 Fiber-Cement Siding No
1988 785,000 Composition Roof 2,970 4 $1000-$2500 Deductible 1390 9 Brick siding No
1994 500,000 Composition Roof 1,950 5 > $10,000 Deductible 80 1 Brick siding yes
1982 565,000 Wood Shake Roof 2,050 4 $500- $1000 Deductible 620 5 Wood siding yes
2008 555,000 Metal Roof 1,940 4 $500 Deductible 760 5 Stone Siding No
2001 1,515,000 Wood Shake Roof 4,570 5 $500 Deductible 2700 12 Wood siding No
2009 1,030,000 Tile Roof 3,020 4 > $10,000 Deductible 500 5 Stucco siding yes
1989 830,000 Asphalt Shingles Roof 2,970 4 $500- $1000 Deductible 2090 10 Stone Siding yes
2007 920,000 Composition Roof 3,350 5 $2500-$5000 Deductible 1120 7 Stone Siding yes
1981 915,000 Composition Roof 3,630 5 $2500-$5000 Deductible 1900 12 Wood siding yes
1998 665,000 Membrane Roof 2,880 4 $500- $1000 Deductible 1090 7 Stucco siding No
1994 1,050,000 Wood Shake Roof 3,350 4 $500 Deductible 1850 9 Vinyl siding yes
1991 570,000 Shingles Roof 2,120 4 $500 Deductible 620 5 Vinyl siding yes
1988 750,000 Composition Roof 2,280 4 $2500-$5000 Deductible 870 7 Stone Siding yes
1997 675,000 Metal Roof 2,050 4 $2500-$5000 Deductible 720 5 Wood siding yes
2003 875,000 Metal Roof 2,900 5 $500- $1000 Deductible 400 2 Stone Siding yes
1989 660,000 Shingles Roof 2,560 4 $1000-$2500 Deductible 640 5 Fiber-Cement Siding yes
1981 840,000 Metal Roof 2,570 4 $500- $1000 Deductible 1180 6 Brick siding yes
2001 1,490,000 Metal Roof 4,800 5 > $10,000 Deductible 630 4 Stucco siding yes
1986 395,000 Membrane Roof 1,550 5 $5000 to $10,000 Deductible 590 9 Wood siding No
1990 1,315,000 Asphalt Shingles Roof 4,600 5 $1000-$2500 Deductible 2050 10 Vinyl siding yes
1985 715,000 Composition Roof 2,430 5 $5000 to $10,000 Deductible 260 2 Wood siding yes
2005 1,105,000 Wood Shake Roof 4,480 5 $1000-$2500 Deductible 2040 12 Fiber-Cement Siding No
1990 835,000 Composition Roof 2,630 4 $500 Deductible 1470 8 Fiber-Cement Siding yes
2008 825,000 Membrane Roof 3,250 4 $5000 to $10,000 Deductible 1150 8 Stucco siding yes
2009 790,000 Tile Roof 3,150 4 > $10,000 Deductible 700 9 Vinyl siding yes
1996 665,000 Membrane Roof 2,620 4 > $10,000 Deductible 570 7 Fiber-Cement Siding No
1986 640,000 Composition Roof 2,520 4 $1000-$2500 Deductible 1390 9 Brick siding No
2006 900,000 Asphalt Shingles Roof 3,700 5 $5000 to $10,000 Deductible 1150 10 Stucco siding yes
1996 570,000 Composition Roof 2,040 5 $1000-$2500 Deductible 910 10 Stucco siding yes