Clayton, NC Home Insurance - Analysis On Quotes, Rates & Agents

Clayton, NC Insurance Rates:

The average cost of home insurance in Clayton, NC is $902 while the average cost of insurance in the state is $894 Home insurance is lower/higher than the average home insurance rates in the state. vHome Insurance stresses the importance of comparing home insurance quotes provided by different insurers. Enter your Zip Code in the banner below to get instant home insurance quotes.

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Average Home Insurance Premium in Clayton, NC

National Average Premium State Average Premium Clayton Average Premium
$1,438 $894 $902

Top Home Insurance Companies in Clayton, NC | Back to Top

The following is a list of home insurance companies that provide the best home insurance quotes in Clayton, NC.

Company Name Coverage $70,000 Coverage $150,000 Coverage $200,000 Coverage $350,000
North Carolina Farm Bureau $661 $793 $1,031 $1,423
Safeco $725 $870 $1,131 $1,561
State Farm $1,515 $1,818 $2,364 $3,262
Erie Insurance $1,244 $1,493 $1,941 $2,679

Clayton, NC Homeowners Insurance for Different Coverages | Back to Top

Coverage Type Home Insurance Cost($)
$100,000 To $124,999 607.6
$150,000 To $174,999 837.52
$175,000 To $199,999 989.18
$200,000 To $249,999 1,120.19
$250,000 To $299,999 1,737.75
$300,000 To $399,999 2,129.21
$400,000 To $499,999 2,701.48
$500,000 To $749,999 3,457.89
$750,000 To $999,999 3,998.19
$1000,000 To $1499,999 4,403.41
$1500,000 To $2000,000 4,727.59

Visual Guide for Clayton, NC Home Insurance Buyers on Insurance Companies and Rates

Top Home Insurance Agents Near Clayton, NC | Back to Top

Home Insurance Company Near Clayton, NC Homeowners Insurance Agency Near Clayton, NC Address
Travelers All Insurance Services Llc 12450 CLEVELAND ROAD STE 101, GARNER, NC, 27529
Nationwide James Epps Agency Inc. 414 North Main St, Creedmoor, NC, 27522-8844
State Farm Karen Boone 5603 Creedmoor Rd, Raleigh, NC, 27612-6316
State Farm Leslie Miller 105 W Nc Highway 54 Ste 255, Durham, NC, 27713-6648
State Farm Sara Donaldson 547 Hillsboro St, Pittsboro, NC, 27312

List of Clayton, NC Home Insurance Agents by Companies

Clayton, NC Homeowners Insurance Rates Based on Claims Filed | Back to Top

Homeowners in Clayton, NC who have no previous history of filing for claims are eligible for a discount of $117.26. Homeowners in Clayton, NC who have filed one claim previously have to pay an additional home insurance rate of $81, while homeowners who have filed 2 claims previously have to pay $126 on their home insurance premium.

Type of Claim Homeowners Insurance Cost Increase/Decrease($) Homeowners Insurance Cost($)
No Claim Discount -117 785
One Claim +81 983
Two Claim +126 1,028

Clayton, NC Homeowners Insurance by Zip Code | Back to Top

Zip Code Median Home Value($) Home Insurance Cost($)
27520 150,400 848

Factors Affecting Home Insurance Premiums in Clayton, NC

Homeowners staying in Clayton, NC have to pay an average of $902 as the home insurance cost. There are several factors that affect home insurance premiums in Clayton, NC. vHome Insurance lists the factors that could help homeowners lower their homeowners insurance premiums.

Clayton, NC Home Insurance Premium Based on the Number of Bedrooms | Back to Top

Bedroom Size Average Homeowners Insurance Cost($)
2 Bedroom 430
3 Bedroom 1,182
4 Bedroom 1,236
5 Bedroom 1,827

Clayton, NC Home Insurance Premiums for Different Deductibles | Back to Top

Clayton, NC homeowners who pay a low deductible rate of $500 pay a higher rate for their home insurance, while Clayton, NC homeowners who pay a deductible rate as high as $2500 pay a lower rate as part of their home insurance, as seen in the table below.

Deductible Type Average Homeowners Insurance Cost($)
$500 Deductible 891
$1000 Deductible 806
$1500 Deductible 759
$2000 Deductible 689
$2500 Deductible 648

Clayton, NC Homeowners Insurance Premium Based on the Age of the Home | Back to Top

Homeowners in Clayton, NC pay a much lower home insurance rate if their homes are newly constructed. Homeowners with homes that are older than 50 years pay a much higher rate on their home insurance premium as seen in the table below.

Home Age Homeowners Insurance Cost($)
Newly Constructed Home 667
Year 30 Old 916
Year 40 Old 925
Year 50 Old 936
Above Year 50 945

Clayton, NC Homeowners Insurance Cost Based on the Construction Type of the Home | Back to Top

Construction Type Home Insurance Cost Savings($) Home Insurance Cost($)
Fire Resistive 126 776
Masonry 45 857
Brick 45 857
Superior 81 821
Hail Resistant Roof 27 875

Top Saving Tips on Clayton, NC Homeowners Insurance | Back to Top

Depending upon the construction type and the construction materials of the home, Clayton, NC homeowners receive a considerable amount of discounts. Clayton, NC homeowners can also make use of bundling discounts to lower home insurance premiums. Furthermore, senior citizens residing in Clayton, NC receive additional discounts on their homeowners insurance. Homes installed with security devices are considered a safe bet for home insurers. As a result, home insurance companies tend to offer discounts to Clayton, NC homes with enhanced security features.

The tables below contain the complete list of discounts that Clayton, NC homeowners can take advantage of to increase their savings.

Clayton, NC Auto & Homeowners Insurance Bundling Discounts and Senior Citizen Discounts

Discount Type Home Insurance Cost Savings($) Home Insurance Cost($)
Bundle Discount 144 758
Retiree Discount (Senior Citizen Discount) 126 1,028
Newly Constructed Home 235 667

Clayton, NC Home Insurance Discounts for Home Safety Devices | Back to Top

Home Safety Devices Home Insurance Cost Savings($) Home Insurance Cost($)
Deadbolts 72 830
Fire Extinguishers 99 803
Smoke Detectors 117 785
Sprinkler System 99 803
Fire Alarm 63 839
Burglar Alarm 81 821
Lightning Protection 36 866

Latest Home Insurance Reviews

I am extremely satisfied with Progressive Home Insurance. I would give them a 5. They got my coverage in less than an hour and that made me feel very comfortable.
State Farm
I would highly recommend the home insurance company thank you very much for your questions
The Hartford
I am satisfied with the offerings the insurance company provides. Not all companies offer earthquake ins. But I believe their rates are a little high
The deductible I have for my home owners insurance is a fair price and one that I am comfortable making if something were to arise.
State Farm
They are backed by Buffett and will pay if anything goes wrong. I think they have a good reputation and will not shy away if there is a claim.
National General
I recently switched to National General and they have competitive premium pricing and good customer service. I recently made a homeowners claim, and it took almost a month to get the damage estimate.
Universal Property & Casualty Insurance Company
I would recommend this company to my family and friends to insure there property and automobiles. good on providing the coverage information when ask to send to other companies.
My deductible is very high for my home insurance now in return for keeping the same premium since there have been adjustments.
They were very helpful when i needed to submit a claim. quick to respond to any questions i had.
Erie Insurance
I really don't dislike anything about them they are always helpful and nice maybe insist have to pay my premiums lol but that is not their fault
Erie Insurance
I have never had to deal with the customer service of my home insurance company. Everything I need to do is done through my insurance agent, but I’ve not had any claims, and my payments are automatically withdrawn, so there has been no interaction. This in itself is a positive though, as I would only be communicating with them if there was a problem.
State Farm
I can email my local agent in the morning and I have a response by mid-afternoon. If he can't help us with the problem immediately, he at least acknowledges the email and that he is working on it for us.
I would recommend Nationwide because I have been satisfied with their benefits and customer service. The price is comparable to other companies.