Gavop shows you how to buy homeowners insurance in Clay County, MS by estimating coverage, choosing the right deductible, contacting the best agents, understanding claim requirements, comparing cheap rates, using discount options and reading reviews.
| Bedrooms | Average Home Value | Estimated Replacement Value | Recommended Home Insurance Coverage |
|---|---|---|---|
| 1 Bedroom | $30,000 | $30,000 | $25,000-$50,000 |
| 2 Bedroom | $57,500 | $50,000 | $50,000-$75,000 |
| 3 Bedroom | $106,500 | $100,000 | $100,000-$125,000 |
| 4 Bedroom | $98,000 | $90,000 | $75,000-$100,000 |
| 5 Bedroom | $155,500 | $130,000 | $175,000-$200,000 |
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$155 | $661 |
| Superior Protection Discount | -$73 | $742 |
| Fire & Security Discount | -$82 | $734 |
| Hail Resistant Roof Discount | -$16 | $799 |
| Newly Constructed Home Discount | -$163 | $653 |
| Low Deductible ($500) | High Deductible ($2500) | |||||
|---|---|---|---|---|---|---|
| Place | Example Claim Amount | Yearly Premium | Total Yearly Cost | Yearly Premium | Total Yearly Cost | Net Savings for High Deductible Plan |
| Clay County | $2,500 | $806 | $3,306 | $586 | $3,086 | $220 |
| Clay County, MS | $2,000 | $806 | $2,806 | $586 | $2,586 | $220 |
| Oktibbeha County, MS | $100 | $1,224 | $1,324 | $890 | $990 | $335 |
| Chickasaw County, MS | $2,000 | $701 | $2,701 | $510 | $2,510 | $192 |
| Hamilton, MS | $200 | $1,185 | $1,385 | $861 | $1,061 | $324 |
| Columbus, MS | $1,500 | $809 | $2,309 | $588 | $2,088 | $221 |
| Ackerman, MS | $500 | $1,118 | $1,618 | $813 | $1,313 | $306 |
| Winston County, MS | $1,500 | $784 | $2,284 | $570 | $2,070 | $214 |
| Mooreville, MS | $100 | $1,286 | $1,386 | $935 | $1,035 | $352 |
| Lee County, MS | $700 | $1,156 | $1,856 | $840 | $1,540 | $316 |
| Mantachie, MS | $200 | $1,060 | $1,260 | $770 | $970 | $290 |
| Home Insurance Company Clay County, MS | Homeowners Insurance Agency Clay County, MS | Address | Popularity Score | Distance from Clay County (miles) |
|---|---|---|---|---|
| State Farm | Amanda Parish | 223 E Madison St, Houston, MS, 38851-2320 | 20.4 | |
| State Farm | Amy Shelton | 617 18th Ave N, Columbus, MS, 39701-2237 | 23.1 | |
| Allstate | Cockerham Insurance | 100 W Commerce St, Aberdeen, MS, 39730 | 17.8 | |
| Liberty Mutual Independent | Lyon Insurance Agency Inc | 325 Commerce St, West Point, MS, 39773 | 8.8 | |
| Liberty Mutual Independent | Lyon Insurance Agency Inc | 325 Commerce Street West Point , West Point, MS, 39773 | 8.8 | |
| State Farm | Jack Forbus | 600 Hogan St Ste 1c, Starkville, MS, 39759-3384 | 13.9 | |
| State Farm | Jamey Ballard | 421 E Main St, West Point, MS, 39773-3003 | 8.7 | |
| State Farm | Brian Mccaskill | 823 Highway 12 W Ste A, Starkville, MS, 39759-3593 | 15.0 | |
| Allstate | Nathan Dyson | 704 Hillcrest Dr Ste B, Tupelo, MS, 38804 | 42.6 | |
| State Farm | Frank Chiles | 306 Highway 12 W, Starkville, MS, 39759-3633 | 14.5 |
| Place | Typical Home Value | Typical Home Insurance Costs | 25th Percentile | 75th Percentile | Potential Savings & Difference between 25th & 75th Percentile |
|---|---|---|---|---|---|
| Mississippi | $109,300 | $1,158 | $850 | $1,660 | $810 |
| Clay County, MS | $81,200 | $816 | $600 | $1,130 | $530 |
| Clay County, MS | $81,200 | $816 | $580 | $1,130 | $550 |
| Oktibbeha County, MS | $146,400 | $1,239 | $860 | $1,710 | $850 |
| Chickasaw County, MS | $63,800 | $710 | $480 | $1,000 | $520 |
| Hamilton, MS | $115,900 | $1,199 | $800 | $1,640 | $840 |
| Columbus, MS | $108,400 | $819 | $560 | $1,130 | $570 |
| Ackerman, MS | $105,200 | $1,132 | $800 | $1,610 | $810 |
| Winston County, MS | $77,600 | $794 | $570 | $1,100 | $530 |
| Mooreville, MS | $133,100 | $1,302 | $920 | $1,800 | $880 |
| Lee County, MS | $125,600 | $1,170 | $840 | $1,600 | $760 |
| Mantachie, MS | $96,200 | $1,073 | $730 | $1,490 | $760 |