Gavop's guide to buying homeowners insurance in Clay, PA 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 | $72,000 | $60,000 | $75,000-$100,000 |
| 2 Bedroom | $186,000 | $170,000 | $150,000-$175,000 |
| 3 Bedroom | $245,500 | $230,000 | $200,000-$250,000 |
| 4 Bedroom | $276,500 | $250,000 | $200,000-$250,000 |
| 5 Bedroom | $646,000 | $570,000 | $600,000-$700,000 |
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$116 | $564 |
| Superior Protection Discount | -$68 | $612 |
| Fire & Security Discount | -$68 | $612 |
| Hail Resistant Roof Discount | -$20 | $659 |
| Newly Constructed Home Discount | -$170 | $510 |
| 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 |
| Lancaster County | $700 | $754 | $1,454 | $548 | $1,248 | $206 |
| Clay, PA | $700 | $671 | $1,371 | $488 | $1,188 | $183 |
| Lebanon County, PA | $500 | $707 | $1,207 | $514 | $1,014 | $193 |
| Skyline View, PA | $1,000 | $801 | $1,801 | $582 | $1,582 | $219 |
| Downingtown, PA | $500 | $696 | $1,196 | $506 | $1,006 | $190 |
| Pottsgrove, PA | $700 | $873 | $1,573 | $635 | $1,335 | $239 |
| Breinigsville, PA | $400 | $992 | $1,392 | $721 | $1,121 | $271 |
| Ryan, PA | $700 | $708 | $1,408 | $515 | $1,215 | $194 |
| Jefferson borough, PA | $500 | $707 | $1,207 | $514 | $1,014 | $193 |
| Audubon, PA | $1,000 | $900 | $1,900 | $654 | $1,654 | $246 |
| Schnecksville, PA | $500 | $867 | $1,367 | $630 | $1,130 | $237 |
| Bethel, PA | $700 | $991 | $1,691 | $720 | $1,420 | $271 |
| Home Insurance Company Clay, PA | Homeowners Insurance Agency Clay, PA | Address | Popularity Score | Distance from Clay (miles) |
|---|---|---|---|---|
| Liberty Mutual Independent | Keller Brown Insurance Services | 9 S Main St, Shrewsbury, PA, 17361 | 39.9 | |
| Travelers | Turley Insurance Agency Inc | 123 W Fourth St, Bridgeport, PA, 19405 | 48.1 | |
| Travelers | Evans Hauseman & Richard Inc | 343 E High St, Pottstown, PA, 19464 | 31.4 | |
| Allstate | Rich Kahmer | 941 N Providence Rd, Media, PA, 19063 | 49.8 | |
| Travelers | A & S Insurance Associates | 882 E High St, Pottstown, PA, 19464 | 32.1 | |
| Nationwide | Mark Raubenstine | 1000 Millersville Rd. Ste A, Lancaster, PA, 17603 | 16.1 | |
| Allstate | Dolores Fleming | 1800 E High St Ste 325, Pottstown, PA, 19464 | 33.3 | |
| State Farm | Dave Ladley | 1710 Swamp Pike, Gilbertsville, PA, 19525-9434 | 34.2 | |
| State Farm | Matt Mangold | 485 Baltimore Pike Ste 105, Glen Mills, PA, 19342-1161 | 45.6 | |
| Nationwide | Joseph A. Fino Jr | 409 Main Street, Harleysville, PA, 19438-3173 | 45.3 |
| Place | Typical Home Value | Typical Home Insurance Costs | 25th Percentile | 75th Percentile | Potential Savings & Difference between 25th & 75th Percentile |
|---|---|---|---|---|---|
| Pennsylvania | $170,500 | $745 | $510 | $1,020 | $510 |
| Lancaster County, PA | $193,200 | $763 | $530 | $1,060 | $530 |
| Clay, PA | $205,300 | $680 | $490 | $940 | $450 |
| Lebanon County, PA | $166,600 | $716 | $490 | $1,020 | $530 |
| Skyline View, PA | $206,500 | $811 | $590 | $1,110 | $520 |
| Downingtown, PA | $222,000 | $705 | $480 | $970 | $490 |
| Pottsgrove, PA | $245,500 | $884 | $590 | $1,210 | $620 |
| Breinigsville, PA | $300,800 | $1,004 | $730 | $1,430 | $700 |
| Ryan, PA | $156,000 | $717 | $490 | $1,030 | $540 |
| Jefferson borough, PA | $155,400 | $716 | $510 | $1,020 | $510 |
| Audubon, PA | $330,900 | $911 | $610 | $1,290 | $680 |
| Schnecksville, PA | $242,600 | $878 | $610 | $1,220 | $610 |
| Bethel, PA | $416,300 | $1,003 | $730 | $1,390 | $660 |