Gavop's guide to buying homeowners insurance in Clay County, TN 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.
| Bedrooms | Average Home Value | Estimated Replacement Value | Recommended Home Insurance Coverage |
|---|---|---|---|
| 1 Bedroom | $33,000 | $30,000 | $25,000-$50,000 |
| 2 Bedroom | $86,500 | $80,000 | $100,000-$125,000 |
| 3 Bedroom | $122,000 | $110,000 | $100,000-$125,000 |
| 4 Bedroom | $97,500 | $90,000 | $100,000-$125,000 |
| 5 Bedroom | $267,000 | $240,000 | $250,000-$300,000 |
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$119 | $579 |
| Superior Protection Discount | -$70 | $627 |
| Fire & Security Discount | -$77 | $621 |
| Hail Resistant Roof Discount | -$21 | $676 |
| Newly Constructed Home Discount | -$160 | $537 |
| 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 | $689 | $3,189 | $501 | $3,001 | $188 |
| Clay County, TN | $1,000 | $689 | $1,689 | $501 | $1,501 | $188 |
| Celina, TN | $200 | $864 | $1,064 | $628 | $828 | $236 |
| Monroe County, KY | $700 | $617 | $1,317 | $449 | $1,149 | $169 |
| Byrdstown, TN | $200 | $747 | $947 | $543 | $743 | $204 |
| South Carthage, TN | $700 | $896 | $1,596 | $651 | $1,351 | $245 |
| Zula-Powersburg, KY | $200 | $475 | $675 | $345 | $545 | $130 |
| Fentress County, TN | $1,500 | $734 | $2,234 | $534 | $2,034 | $201 |
| Dowelltown, TN | $400 | $789 | $1,189 | $574 | $974 | $216 |
| Bowman, TN | $2,500 | $944 | $3,444 | $686 | $3,186 | $258 |
| Hardyville, KY | $200 | $790 | $990 | $574 | $774 | $216 |
| Wilson County, TN | $1,000 | $1,118 | $2,118 | $813 | $1,813 | $306 |
| Home Insurance Company Clay County, TN | Homeowners Insurance Agency Clay County, TN | Address | Popularity Score | Distance from Clay County (miles) |
|---|---|---|---|---|
| Liberty Mutual Independent | Don Scott Insurance Inc | 1102 W Main St, Lebanon, TN, 37087 | 48.8 | |
| Allstate | Cheek Insurance | 185 Mose Dr, Sparta, TN, 38583 | 41.6 | |
| Allstate | Cheek Insurance | 185 Moses Dr, Sparta, TN, 38583 | 41.7 | |
| State Farm | Leah Cox | 124 E Bockman Way, Sparta, TN, 38583-2036 | 43.0 | |
| Liberty Mutual Independent | Cumberland Insurance - Sparta | 287 N Spring St, Sparta, TN, 38583 | 41.9 | |
| State Farm | Scotty Yeaman | 1011 Main St N, Carthage, TN, 37030-1004 | 30.0 | |
| State Farm | Bob Folger | 848 Livingston Rd Ste 104, Crossville, TN, 38555-6719 | 49.2 | |
| State Farm | Rob Gwynne | 1333 W Main St Ste B, Lebanon, TN, 37087-3378 | 49.1 | |
| State Farm | Andrew Locke | 238 B N. Grundy Quarles Hwy, Gainesboro, TN, 38562 | 14.1 | |
| Allstate | Cherisse Sells | 2348 Cookeville Hwy, Livingston, TN, 38570 | 18.0 |
| Place | Typical Home Value | Typical Home Insurance Costs | 25th Percentile | 75th Percentile | Potential Savings & Difference between 25th & 75th Percentile |
|---|---|---|---|---|---|
| Tennessee | $151,700 | $1,044 | $750 | $1,450 | $700 |
| Clay County, TN | $90,300 | $697 | $510 | $1,000 | $490 |
| Clay County, TN | $90,300 | $697 | $500 | $1,000 | $500 |
| Celina, TN | $100,700 | $874 | $590 | $1,210 | $620 |
| Monroe County, KY | $74,500 | $625 | $420 | $860 | $440 |
| Byrdstown, TN | $74,100 | $756 | $520 | $1,070 | $550 |
| South Carthage, TN | $109,400 | $907 | $660 | $1,260 | $600 |
| Zula-Powersburg, KY | $39,900 | $481 | $330 | $660 | $330 |
| Fentress County, TN | $103,700 | $743 | $540 | $1,030 | $490 |
| Dowelltown, TN | $83,300 | $799 | $540 | $1,140 | $600 |
| Bowman, TN | $122,800 | $955 | $660 | $1,350 | $690 |
| Hardyville, KY | $103,400 | $800 | $580 | $1,110 | $530 |
| Wilson County, TN | $227,100 | $1,132 | $770 | $1,560 | $790 |