Gavop's guide to buying homeowners insurance in Clay, OH covers how to get the right coverage, optimize deductibles, identify the best agents, understand claim requirements, avail discount options, compare cheap quotes and research reviews.
| Clay, OH - Neighbourhoods, Census Blocks & Streets | 3 Bedroom | 2 Bedroom | ||||
|---|---|---|---|---|---|---|
| Average Home Value | Estimated Replacement Value | Recommended Home Insurance Coverage | Average Home Value | Estimated Replacement Value | Recommended Home Insurance Coverage | |
| Perkins St, Co Rd 2, Karrland Dr, Brookville Phillipsburg Rd, Mulberry St, W Walnut St, Poplar St, Triggs Rd, Plymouth Ave, Fernwood Dr | $146,000 | $130,000 | $100,000-$125,000 | $103,000 | $90,000 | $75,000-$100,000 |
| Beechwood Ave, Bruns Dr, N Lutheran Rd, Number Nine Rd, Columbia St, Patricia Faye Ct, Market St, Temple Rd, Terri Dr, Brookville Phillipsburg Pike | $175,500 | $140,000 | $175,000-$200,000 | $117,000 | $90,000 | $125,000-$150,000 |
| S State St, Ganyard St, Hood St, Golden Maple Ave, Jessica Ct, Madrid Ave, Osage Aly, Oak St, E Walnut St, Brookside Dr | $142,500 | $130,000 | $150,000-$175,000 | $153,500 | $140,000 | $150,000-$175,000 |
| E Poplar St, Welsh Rd, Vinnie Ct, Pleasant Plains Rd, Lutheran Rd, Joanna St, Montgomery-Darke County Line Rd, Dayton Greenville Pike, Carr Dr, Twp Hwy 2 | $117,500 | $100,000 | $100,000-$125,000 | $150,500 | $140,000 | $100,000-$125,000 |
| N Wolf Creek St, Adrian Ct, Sunrise Ave, Urban Ln, Arlington Rd, Salem St, Park Dr, Darke-Montgomery County Line Rd, W Salem St, Baltimore Phillipsburg Pike | $217,500 | $200,000 | $200,000-$250,000 | $142,500 | $130,000 | $150,000-$175,000 |
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$105 | $554 |
| Superior Protection Discount | -$59 | $600 |
| Fire & Security Discount | -$53 | $607 |
| Hail Resistant Roof Discount | -$20 | $640 |
| Newly Constructed Home Discount | -$171 | $488 |
| 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 |
| Montgomery County | $2,500 | $630 | $3,130 | $458 | $2,958 | $172 |
| Clay, OH | $1,000 | $651 | $1,651 | $473 | $1,473 | $178 |
| Potsdam, OH | $300 | $598 | $898 | $434 | $734 | $163 |
| Farmersville, OH | $1,500 | $631 | $2,131 | $459 | $1,959 | $173 |
| Green Meadows, OH | $100 | $635 | $735 | $462 | $562 | $174 |
| Rossburg, OH | $1,000 | $506 | $1,506 | $368 | $1,368 | $138 |
| Springfield, OH | $200 | $778 | $978 | $565 | $765 | $213 |
| Woodlawn, OH | $1,000 | $583 | $1,583 | $424 | $1,424 | $159 |
| North College Hill, OH | $100 | $691 | $791 | $502 | $602 | $189 |
| Taylor Creek, OH | $700 | $827 | $1,527 | $601 | $1,301 | $226 |
| Sabina, OH | $2,500 | $571 | $3,071 | $415 | $2,915 | $156 |
| Home Insurance Company Clay, OH | Homeowners Insurance Agency Clay, OH | Address | Popularity Score | Distance from Clay (miles) |
|---|---|---|---|---|
| Allstate | Michael Hild | 119 N Main St, Union, OH, 45322 | 6.6 | |
| Nationwide | Houghton Financial Inc | 7108 N Main St, Dayton, OH, 45415-2538 | 9.9 | |
| Allstate | John Frey | 5158 Cedar Village Dr Suite G, Mason, OH, 45040 | 38.2 | |
| State Farm | Jim Shea | 1013 Harrison Ave, Harrison, OH, 45030-1553 | 47.1 | |
| State Farm | Brian Gruber | 114 S Main St, Union, OH, 45322-3392 | 6.5 | |
| State Farm | Sandy Williams | 625 W National Rd, Englewood, OH, 45322-1162 | 5.9 | |
| Allstate | Taylor And Assoc | 221 N Commerce St # 69, Lewisburg, OH, 45338 | 6.3 | |
| Allstate | Evron Colhoun | 7200 N Main St Rear Apt, Dayton, OH, 45415 | 9.8 | |
| State Farm | Dave Leonard | 5898 Salem Ave, Dayton, OH, 45426-1448 | 7.4 | |
| State Farm | Steve Reed | 8600 N Main St Ste A, Dayton, OH, 45415-1396 | 8.6 |
| Place | Typical Home Value | Typical Home Insurance Costs | 25th Percentile | 75th Percentile | Potential Savings & Difference between 25th & 75th Percentile |
|---|---|---|---|---|---|
| Ohio | $135,100 | $712 | $510 | $990 | $480 |
| Montgomery County, OH | $112,100 | $637 | $460 | $910 | $450 |
| Clay, OH | $134,000 | $659 | $470 | $940 | $470 |
| Potsdam, OH | $93,300 | $605 | $410 | $830 | $420 |
| Farmersville, OH | $105,600 | $639 | $470 | $900 | $430 |
| Green Meadows, OH | $106,800 | $643 | $460 | $910 | $450 |
| Rossburg, OH | $64,400 | $512 | $360 | $730 | $370 |
| Springfield, OH | $77,400 | $787 | $560 | $1,090 | $530 |
| Woodlawn, OH | $88,400 | $590 | $410 | $840 | $430 |
| North College Hill, OH | $82,800 | $700 | $470 | $1,000 | $530 |
| Taylor Creek, OH | $202,700 | $837 | $600 | $1,160 | $560 |
| Sabina, OH | $84,300 | $578 | $410 | $810 | $400 |