Clayton Insurance Rates:

Clayton, MO homeowners insurance is nearly $958 to $1,321, about $79-$110/month. Our exhaustive guide reveals consumers can save as much as $456 by comparing different quotes. Enter your zipcode below and click “GO” to get multiple free quotes.

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Latest Home Insurance Reviews

Farmer's Insurance
My current agent is very friendly and stays in touch with me by sending postcards and christmas cards. he has always been available whenever i have needed a question answered or some paperwork for whatever reason
American Family
I don't like that when i change my billing address i have to request it like three times before it goes through
American Family
I do not like that it takes three to four people on the phone before you get the person who knows what they're doing and how to fix your problem.
State Farm
I usually don't use the website / mobile app so it is hard for me to tell. My insurance is paid directly by my mortgage company. I don't really monitor that.
Progressive
I don't like how I have to wait on hold sometimes. The last time I called, it took almost 30 minutes to get a person on the other end.
Safeco Insurance
I have no complaints. My agent is helpful, but the price is average and there is nothing outstanding about them to give them a rating better than average.
Alfa Insurance
Price has more than doubles in last 13 years but this seems to be consistent with other companies
Allstate
The premium we pay is about thirty percent less than what we previously paid with our former insurance company. The coverages are a bit better as well.

Clayton, MO Homeowners Insurance By Home Value

Clayton, MO Home Value Total Homes % of Total Average Clayton, MO Homeowners Insurance
Less than $50,000 214 3.0% $79
$80,000 to $89,999 70 1.0% $273
$90,000 to $99,999 164 2.0% $296
$100,000 to $124,999 407 6.0% $353
$125,000 to $149,999 621 10.0% $433
$150,000 to $174,999 1,145 18.0% $524
$175,000 to $199,999 776 12.0% $604
$200,000 to $249,999 797 12.0% $718
$250,000 to $299,999 666 10.0% $889
$300,000 to $399,999 1,249 20.0% $1128

Top Home Insurance Agents Near Clayton, MO

Home Insurance Company Near Clayton, MO Homeowners Insurance Agency Near Clayton, MO Address
NA First State Insurance Agency 1801 Bedford Center Dr, Washington, MO, 63090
NA Bene'-Kelly Insurance Agency 11880 Gravois Road St. Louis, Sunset Hills, MO, 63127
State Farm Danny Sheehan 17269 Wld Horse Crk Rd Ste 150, Chesterfield, MO, 63005-1360
Farmers George Daniels 2416 N Highway 67, Florissant, MO, 63033
Allstate James Mccorkle 10434 Page Ave, Saint Louis, MO, 63132

Cost Of Homeowners Insurance By Street Near Clayton, MO

Streets in Clayton Area Homeowners Insurance Cost
Steeplechase Ln, Berkley Manor Dr, Graybridge Dr, Barcia Dr, Hillchester Pl, Meier Ln, Bluebird Ter, Joseph Ave, Lorenzo Dr, Abbeville Dr$1,180
Mohawk Pl, Parkdale Ave, Old Warson Rd, Robin Hill Ln, Morris Place Dr, Narragansett Dr, Glenridge Ave, Anna Ave, Corporate Dr, Vanmark Way$1,372
Heartwoods Ct, N Rock Hill Rd, Powell Ave, Boulder Ct, N Lay Rd, Waverton Dr, Hermitage Hill Pl, Audubon Dr, Kortwright Ave, Upper Dromara$1,282
Wendover Dr, Mission Ct, Heatherdane Ln, W Point Ln, McKnight Woods, Gannon Ave, N Elm Ave, Mark Twain Cir, Gay Ave, Tirrill Farms Rd$1,350
Rio Vista Dr, Kenyon Ct, Creveling Dr, Crawford Ave, Camberly Rd, Delray Pass, York Dr, Willow Hill Rd, Parkside Dr, Slocum Ave$1,361
Oak Knoll Park, Medina Dr, Beaucaire Dr, Parsons Ave, Ritz Carlton Dr, Hart Ave, Oakside Ln, N Berry Rd, Marlann Dr, Peach Tree Ln$1,059
Midvale Ave, Manderly Dr, Saint Andrews Dr, Andrew Dr, Avon Rd, Treebrook Ln, Clayton Ests, Red Bud Ave, Northcoat Rd, Somerset Ave$1,380
Copper Hill Rd, Douglas Ct, Eager Rd, Doorack Ln, Wenlou Dr, Annalee Ave, N Price Rd, Bonhomme Ave, Lockett Rd, Black Creek Ln$1,371
Dunlora Ln, Genevieve Ave, Henrietta Ave, Millbrook Blvd, Colonial Ln, Squires Ln, Groby Rd, Longacre Dr, Mark Dr, Brookbend Dr$1,012
Gray Dr, Frontenay Ct, Winding Brook Ln, Stratford Ln, Edgewood Rd, Walinca Ter, N Rock Hill Rd, Lepere Ave, Maryland Ave, Albey Ln$1,255

Clayton, MO Home Insurance Savings For Senior Occupied Homes

PlaceSavings For Senior Occupied Homes
Clayton$168 to $172
Ladue$211
Brentwood$152
Warson Woods$172

Clayton, MO Auto & Homeowners Insurance Bundling Discounts

Place 1 Car Bundle Savings On Insurance 2 Car Bundle Savings On Insurance 3 Car Bundle Savings On Insurance
Ladue city, Missouri $212 $282 $423
Brentwood city, Missouri $152 $202 $303
Rock Hill city, Missouri $152 $202 $303

Clayton, MO 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, MO4.8%11.7%
Ladue3.18%11.75%
Brentwood5.99%20.07%
Rock Hill6.1%15.34%

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 $299 204 4.0% $723
$300 to $499 136 3.0% $1173
$500 to $749 638 14.0% $1848
$750 to $999 1,217 27.0% $2598
$1,000 to $1,499 1,558 35.0% $3723
$1,500 or more 597 13.0% $5373

Clayton, MO Home Insurance Costs With Deductible Scenario

Low DeductibleHigh Deductible
Deductible$1,300$3,300
Yearly Clayton Homeowner Insurance Premium Example $1,200$800
Out of Pocket Expense During Claim$1,300$3,300
Total Home Insurance Premium for 7 years + Out of Pocket Expense for Claim $9,700$8,900
Net Savings to Clayton Home Owner from High Deductible Plan $800

Clayton, MO Home Insurance Costs With Home Replacement Value Scenarios

Scenario Clayton, MO Home Replacement Value MORE than Home Value Clayton, MO Home Replacement Value LESS than Home Value
Replacement Value $271,000 $176,000
Insurance Premium based on Replacement Value $1,375 $900
Risk Exposure from Under Insuring Coverage Unnecessary Home Insurance Coverage of $61,500 Risk Exposure from Under Insuring Coverage is $33,500
Premium Impact Insurance cheaper by $175/year Insurance costlier by $300/year

Example Clayton Homeowners Insurance Comparison Table to Compare The Cheapest Quotes

Insurance Company Liberty MutualAmica Mutual Insurance CompanyNationwide Insurance
Monthly Premium 196148234
Year Built 196319711952
Home Details 4 Beds, 3 Baths3 Beds, 2 Baths5 Beds, 4 Baths
Coverage Amount $500000-$600000$300000-$350000$700000-$800000
Deductible $1000-$2500 Deductible$500 Deductible$2500-$5000 Deductible

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

Year Built Home Value Roof Type Sqft Number of Bedrooms Deductible Premium Premium Months Siding Type Smoker/Non Smoker
1974 580,000 Composition Roof 3,230 4 $5000 to $10,000 Deductible 500 3 Stone Siding No
1947 310,000 Asphalt Shingles Roof 1,520 2 > $10,000 Deductible 720 9 Vinyl siding yes
1959 375,000 Composition Roof 2,120 4 > $10,000 Deductible 340 6 Fiber-Cement Siding No
2014 385,000 Slate Shingles Roof 2,370 5 > $10,000 Deductible 460 5 Wood siding No
1964 290,000 Membrane Roof 1,510 2 $500- $1000 Deductible 1020 10 Stucco siding No
1941 290,000 Wood Shake Roof 1,590 2 $2500-$5000 Deductible 610 8 Brick siding yes
1960 470,000 Membrane Roof 2,230 5 $2500-$5000 Deductible 960 6 Brick siding No
1944 390,000 Slate Shingles Roof 1,920 5 $500 Deductible 140 1 Brick siding yes
1960 685,000 Composition Roof 4,090 5 $2500-$5000 Deductible 450 2 Wood siding No
2013 305,000 Tile Roof 1,520 2 $500 Deductible 1110 7 Vinyl siding No
1952 320,000 Metal Roof 1,980 3 $500- $1000 Deductible 240 2 Fiber-Cement Siding No
1964 210,000 Slate Shingles Roof 1,280 2 $500- $1000 Deductible 550 6 Wood siding No
1948 495,000 Composition Roof 3,200 5 $5000 to $10,000 Deductible 1070 8 Fiber-Cement Siding yes
2010 405,000 Metal Roof 2,530 4 $500- $1000 Deductible 1130 8 Brick siding yes
1972 165,000 Slate Shingles Roof 1,090 2 $500 Deductible 780 12 Stone Siding No
2011 145,000 Composition Roof 1,010 2 $1000-$2500 Deductible 420 8 Vinyl siding yes
1974 800,000 Slate Shingles Roof 4,450 5 $2500-$5000 Deductible 1440 7 Stone Siding No
1964 660,000 Shingles Roof 3,960 5 $2500-$5000 Deductible 620 4 Vinyl siding yes
1969 190,000 Asphalt Shingles Roof 1,280 3 $500 Deductible 950 10 Wood siding yes
1971 335,000 Slate Shingles Roof 1,760 4 $1000-$2500 Deductible 1140 12 Wood siding yes
2012 265,000 Tile Roof 1,270 2 $500 Deductible 310 4 Wood siding No
1974 445,000 Tile Roof 2,090 3 $2500-$5000 Deductible 190 1 Stone Siding No
1956 275,000 Tile Roof 1,610 4 $500- $1000 Deductible 1490 12 Vinyl siding yes
1964 615,000 Shingles Roof 3,080 4 $5000 to $10,000 Deductible 1090 6 Stucco siding yes
1972 320,000 Asphalt Shingles Roof 2,110 3 $5000 to $10,000 Deductible 90 1 Stucco siding No
1945 465,000 Composition Roof 3,160 4 $500- $1000 Deductible 1130 8 Brick siding yes
1976 580,000 Membrane Roof 3,010 5 > $10,000 Deductible 590 5 Fiber-Cement Siding yes