Gavop shows you how to buy homeowners insurance in Clay, AL by estimating coverage, choosing the right deductible, contacting the best agents, understanding claim requirements, comparing cheap rates, using discount options and reading reviews.
| Clay, AL - Neighbourhoods, Census Blocks & Streets | 3 Bedroom | 4 Bedroom | ||||
|---|---|---|---|---|---|---|
| Average Home Value | Estimated Replacement Value | Recommended Home Insurance Coverage | Average Home Value | Estimated Replacement Value | Recommended Home Insurance Coverage | |
| Glenn Rd, Moss Rock Dr, Davison Rd, Pamela Dr, Lake in the Woods Rd, Hines Ln, Hummingbird Cir, Freda Dr, Twin Lakes Rd, Carrolwood Way | $129,500 | $110,000 | $100,000-$125,000 | $201,000 | $170,000 | $175,000-$200,000 |
| Bentwood Dr, Wind Gap Ln, Mack Hicks Rd, Vera Cruz Dr, Goodner Mt Rd, Mountain Heights Dr, Mountain Heights Rd, Harness Ln, Oak Hollow Rd, Darlene Cir | $155,000 | $150,000 | $175,000-$200,000 | $250,500 | $220,000 | $200,000-$250,000 |
| Kimberly Loop, Heather Ln, Harness Way, Kemberton Way, McDuffie Rd, Carmel Rd, Patriots Pass, Mobley Dr, Bob White Ln, Deerfoot Crossing Dr | $120,500 | $100,000 | $125,000-$150,000 | $220,000 | $190,000 | $200,000-$250,000 |
| Bridget Cir, Mountain Top Cir, Ziklag Pl, Misty Ridge Dr, Walnut Dr, Arrowhead Ln, Oxford Cir, Spring Glade Cir, Zoba Cir, Leighaven Way | $206,500 | $180,000 | $200,000-$250,000 | $255,500 | $210,000 | $250,000-$300,000 |
| Quail Ridge Dr, Misty Ln, Hickory Hill Dr, Self Rd, Alexandria Dr, Stone Mill Rd, Matson Cir, Deerfoot Pkwy, Old Mill Trl, Janice Cir NE | $248,500 | $230,000 | $200,000-$250,000 | $204,000 | $180,000 | $200,000-$250,000 |
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$162 | $790 |
| Superior Protection Discount | -$95 | $857 |
| Fire & Security Discount | -$86 | $866 |
| Hail Resistant Roof Discount | -$19 | $933 |
| Newly Constructed Home Discount | -$209 | $743 |
| 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 |
| Jefferson County | $700 | $1,148 | $1,848 | $834 | $1,534 | $314 |
| Clay, AL | $2,500 | $941 | $3,441 | $684 | $3,184 | $257 |
| Pinson, AL | $300 | $819 | $1,119 | $595 | $895 | $224 |
| Gardendale, AL | $400 | $883 | $1,283 | $642 | $1,042 | $241 |
| Blount County, AL | $1,500 | $1,025 | $2,525 | $745 | $2,245 | $280 |
| Susan Moore, AL | $500 | $1,028 | $1,528 | $747 | $1,247 | $281 |
| Gallant, AL | $700 | $1,108 | $1,808 | $805 | $1,505 | $303 |
| Holly Pond, AL | $300 | $895 | $1,195 | $651 | $951 | $245 |
| Rock Creek, AL | $1,000 | $1,085 | $2,085 | $788 | $1,788 | $296 |
| Childersburg, AL | $300 | $754 | $1,054 | $548 | $848 | $206 |
| Addison, AL | $1,000 | $891 | $1,891 | $647 | $1,647 | $243 |
| Home Insurance Company Clay, AL | Homeowners Insurance Agency Clay, AL | Address | Popularity Score | Distance from Clay (miles) |
|---|---|---|---|---|
| Allstate | Cynthia Stuman | 4308 Center Point Rd, Pinson, AL, 35126 | 6.4 | |
| Travelers | Crawford-Skinner Agency | 6412 Us Highway 11, Springville, AL, 35146 | 7.5 | |
| Allstate | Jeff Crumpton | 201 Yeager Pkwy Ste 201a, Pelham, AL, 35124 | 32.0 | |
| Allstate | Chuck Burns | 5451 Chalkville Rd, Birmingham, AL, 35235 | 5.4 | |
| Travelers | Best Insurance Agency Llc | 122 Chalkville Rd, Trussville, AL, 35173 | 6.4 | |
| Nationwide | Leo Blankenship | 2025 Center Point Pkwy, Birmingham, AL, 35215-4619 | 7.9 | |
| Travelers | Best Insurance Agency Llc | 122 N Chalkville Rd Ste 101, Trussville, AL, 35173 | 6.4 | |
| State Farm | Cammie Cooper | 6612 Old Bradford Rd, Pinson, AL, 35126-2848 | 6.5 | |
| State Farm | Aaron Kidder | 1483 Gadsden Hwy Ste 124, Birmingham, AL, 35235-3162 | 8.7 | |
| State Farm | Brian Worley | 1000 Plantation Pkwy Ste 100, Moody, AL, 35004-3044 | 9.9 |
| Place | Typical Home Value | Typical Home Insurance Costs | 25th Percentile | 75th Percentile | Potential Savings & Difference between 25th & 75th Percentile |
|---|---|---|---|---|---|
| Alabama | $132,100 | $1,168 | $850 | $1,610 | $760 |
| Jefferson County, AL | $149,000 | $1,162 | $790 | $1,650 | $860 |
| Clay, AL | $170,200 | $952 | $680 | $1,350 | $670 |
| Pinson, AL | $131,700 | $829 | $610 | $1,180 | $570 |
| Gardendale, AL | $150,800 | $894 | $630 | $1,260 | $630 |
| Blount County, AL | $122,200 | $1,038 | $750 | $1,470 | $720 |
| Susan Moore, AL | $108,600 | $1,040 | $700 | $1,440 | $740 |
| Gallant, AL | $123,100 | $1,121 | $800 | $1,540 | $740 |
| Holly Pond, AL | $115,500 | $906 | $620 | $1,290 | $670 |
| Rock Creek, AL | $118,900 | $1,098 | $750 | $1,570 | $820 |
| Childersburg, AL | $87,500 | $764 | $520 | $1,060 | $540 |
| Addison, AL | $114,400 | $901 | $620 | $1,290 | $670 |