Clayton Insurance Rates:

Clayton, NY homeowners insurance is approximately $505 to $689, about $42-$57/month. Our complete analysis shows customers can save as much as $238 by getting different quotes. Enter your zipcode below and click “GO” to get multiple free quotes.

Compare Quotes from Top Providers and Save now!

Clayton, NY Homeowners Insurance By Home Value

Clayton, NY Home Value Total Homes % of Total Average Clayton, NY Homeowners Insurance
Less than $50,000 126 8.0% $95
$50,000 to $59,999 59 4.0% $202
$60,000 to $69,999 34 2.0% $256
$70,000 to $79,999 60 4.0% $292
$80,000 to $89,999 75 5.0% $334
$90,000 to $99,999 99 7.0% $370
$100,000 to $124,999 179 12.0% $429
$125,000 to $149,999 107 7.0% $543
$150,000 to $174,999 216 15.0% $638
$175,000 to $199,999 93 6.0% $740
$200,000 to $249,999 105 7.0% $889
$250,000 to $299,999 189 13.0% $1086
$300,000 to $399,999 67 4.0% $1385

Top Home Insurance Agents Near Clayton, NY

Home Insurance Company Near Clayton, NY Homeowners Insurance Agency Near Clayton, NY Address
Liberty Mutual Independent Agency Specialists Of Mexico 3853 STATE ROUTE 13, PULASKI, NY, 13142
Travelers Haylor Freyer & Coon Inc 1402 Washington St, Watertown, NY, 13601
Travelers J T Phillips Insurance Agency Inc 422 STATE STREET, OGDENSBURG, NY, 13669
Travelers Robbins Grandjean Agency 122 S POINT ST, CAPE VINCENT, NY, 13618
Allstate Thousand Islands Agency 853 JAMES ST, CLAYTON, NY, 13624

Cost Of Homeowners Insurance By Street Near Clayton, NY

Streets in Clayton Area Homeowners Insurance Cost
Smithville Rd, Cheever Rd, Nys Rte 180, S James St, Waterson Point Rd, Co Rd 55, State Hwy 180, Bubba Ln, Aunt Janes Bay, Root Rd$593
Fire Rd 472, Murrock Cir, Vance Shores Rd, Failing Shores Ln, Five Corner Rd, Outlook Ave, Blanchard Rd, Rivershore Dr, Tibbets Point Rd, Greenizen Rd$598
Pier 65, Apple Wood Rd, Co Rd 5, Brown Shores Rd, Fr 35, Hounsfield St, Fawdry Rd, S Real St, Falling Shores Dr, Schell Rd$593
Ransom Rd, Walrath Rd, Co Rte 181, Point St, Humphrey Ln, Cantwell Ter, Ledges Rd, Underbluff Rd, Keyser Rd, Forest Ave$598
Ledgerock Ln, French Creek Rd, Co Rte 12, Boat Launch Rd, Morris Track Rd, Moffatt Rd, Rock Bed Rd, Pike St, Reinman Ln, Lowe Rd$597

Clayton, NY Home Insurance Savings For Senior Occupied Homes

PlaceSavings For Senior Occupied Homes
Clayton$88 to $90
Depauville$88
Fishers Landing$89
Thousand Island Park$93

Clayton, 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
Depauville CDP, New York $88 $117 $176
La Fargeville CDP, New York $89 $118 $177
Fishers Landing CDP, New York $89 $119 $179

Clayton, 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
Clayton, NY3.7%9.3%
Depauville5.64%9.33%
La Fargeville3.2%8.15%
Orleans4.18%9.68%

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
Less than $200 30 5.0% $345
$200 to $299 23 4.0% $795
$300 to $499 28 5.0% $1245
$500 to $749 59 11.0% $1920
$750 to $999 163 31.0% $2670
$1,000 to $1,499 164 31.0% $3795
$1,500 or more 52 10.0% $5445

Clayton, NY Home Insurance Costs With Deductible Scenario

Low DeductibleHigh Deductible
Deductible$1,800$2,800
Yearly Clayton Homeowner Insurance Premium Example $3,000$2,500
Out of Pocket Expense During Claim$1,800$2,800
Total Home Insurance Premium for 3 years + Out of Pocket Expense for Claim $10,800$10,300
Net Savings to Clayton Home Owner from High Deductible Plan $500

Clayton, NY Home Insurance Costs With Home Replacement Value Scenarios

Scenario Clayton, NY Home Replacement Value MORE than Home Value Clayton, NY Home Replacement Value LESS than Home Value
Replacement Value $170,500 $104,500
Insurance Premium based on Replacement Value $1,375 $825
Risk Exposure from Under Insuring Coverage Unnecessary Home Insurance Coverage of $31,000 Risk Exposure from Under Insuring Coverage is $35,000
Premium Impact Insurance cheaper by $300/year Insurance costlier by $250/year

Example Clayton Homeowners Insurance Comparison Table to Compare The Cheapest Quotes

Insurance Company Chubb Group of InsuranceGEICO InsuranceLiberty Mutual
Monthly Premium 70176244
Year Built 199719481987
Home Details 3 Beds, 1 Baths4 Beds, 2 Baths5 Beds, 3 Baths
Coverage Amount $125000-$150000$200000-$250000$350000-$400000
Deductible $2500-$5000 Deductible$500 Deductible$2500-$5000 Deductible

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

Year Built Home Value Roof Type Sqft Number of Bedrooms Deductible Premium Premium Months Siding Type Smoker/Non Smoker
1989 190,000 Wood Shake Roof 1,720 4 $5000 to $10,000 Deductible 650 6 Fiber-Cement Siding No
1994 125,000 Membrane Roof 1,210 3 $2500-$5000 Deductible 680 7 Brick siding No
1986 285,000 Membrane Roof 3,410 5 $5000 to $10,000 Deductible 2410 12 Brick siding No
1981 335,000 Tile Roof 3,240 5 $500 Deductible 3480 12 Fiber-Cement Siding yes
1990 260,000 Shingles Roof 3,250 5 $1000-$2500 Deductible 1850 12 Wood siding yes
1985 150,000 Slate Shingles Roof 1,630 4 $500 Deductible 290 3 Vinyl siding yes
1986 260,000 Asphalt Shingles Roof 3,450 5 $2500-$5000 Deductible 1400 9 Fiber-Cement Siding yes
1946 150,000 Metal Roof 1,420 3 $5000 to $10,000 Deductible 620 7 Brick siding No
1942 170,000 Shingles Roof 1,940 3 $500- $1000 Deductible 1270 9 Stone Siding yes
1997 245,000 Asphalt Shingles Roof 2,920 4 $5000 to $10,000 Deductible 110 1 Fiber-Cement Siding No
1999 255,000 Asphalt Shingles Roof 2,990 4 $2500-$5000 Deductible 840 6 Brick siding No
1948 190,000 Tile Roof 1,740 5 $2500-$5000 Deductible 630 4 Brick siding yes
1985 160,000 Composition Roof 1,890 3 $5000 to $10,000 Deductible 820 12 Wood siding yes
1995 375,000 Metal Roof 4,520 5 $1000-$2500 Deductible 1300 5 Fiber-Cement Siding No
1981 345,000 Slate Shingles Roof 4,030 5 $500- $1000 Deductible 780 3 Stone Siding yes
1981 190,000 Asphalt Shingles Roof 2,250 5 $1000-$2500 Deductible 750 8 Vinyl siding yes
1997 150,000 Composition Roof 2,050 5 $5000 to $10,000 Deductible 150 2 Stone Siding No
1995 230,000 Shingles Roof 2,430 4 > $10,000 Deductible 490 5 Stone Siding No
1997 160,000 Tile Roof 1,810 3 $2500-$5000 Deductible 280 4 Fiber-Cement Siding yes
1994 175,000 Wood Shake Roof 1,820 5 $500- $1000 Deductible 240 2 Wood siding No
1946 180,000 Tile Roof 1,780 4 $500- $1000 Deductible 170 1 Vinyl siding yes
1986 170,000 Wood Shake Roof 1,700 5 $1000-$2500 Deductible 820 8 Vinyl siding No
1984 300,000 Composition Roof 3,870 5 $2500-$5000 Deductible 810 5 Stone Siding No
1949 285,000 Slate Shingles Roof 2,990 4 $5000 to $10,000 Deductible 430 3 Vinyl siding yes
1944 155,000 Wood Shake Roof 1,680 3 $1000-$2500 Deductible 110 1 Brick siding yes
1985 230,000 Slate Shingles Roof 2,220 4 $500 Deductible 220 1 Brick siding No
1983 270,000 Composition Roof 3,390 5 $500- $1000 Deductible 210 1 Stucco siding yes
1983 295,000 Asphalt Shingles Roof 3,030 4 $2500-$5000 Deductible 830 4 Wood siding yes
1949 280,000 Slate Shingles Roof 2,830 4 $500 Deductible 370 2 Vinyl siding yes
1944 215,000 Wood Shake Roof 2,300 3 $2500-$5000 Deductible 560 6 Fiber-Cement Siding No
1987 310,000 Shingles Roof 3,000 4 $5000 to $10,000 Deductible 1430 10 Brick siding yes
1993 120,000 Composition Roof 1,500 3 $2500-$5000 Deductible 210 3 Brick siding yes
1997 175,000 Metal Roof 1,820 5 $5000 to $10,000 Deductible 520 6 Stucco siding yes
1992 290,000 Shingles Roof 2,640 4 $500- $1000 Deductible 480 2 Wood siding No