Gavop shows you how to buy homeowners insurance in Clayton, OH 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 | $43,000 | $40,000 | $25,000-$50,000 |
| 2 Bedroom | $131,000 | $120,000 | $125,000-$150,000 |
| 3 Bedroom | $119,500 | $110,000 | $100,000-$125,000 |
| 4 Bedroom | $245,000 | $220,000 | $250,000-$300,000 |
| 5 Bedroom | $227,000 | $180,000 | $175,000-$200,000 |
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$112 | $547 |
| Superior Protection Discount | -$66 | $593 |
| Fire & Security Discount | -$46 | $612 |
| Hail Resistant Roof Discount | -$13 | $645 |
| Newly Constructed Home Discount | -$178 | $481 |
| 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 | $2,000 | $630 | $2,630 | $458 | $2,458 | $172 |
| Clayton, OH | $700 | $651 | $1,351 | $473 | $1,173 | $178 |
| Phillipsburg, OH | $500 | $574 | $1,074 | $417 | $917 | $157 |
| Fletcher, OH | $2,500 | $561 | $3,061 | $408 | $2,908 | $153 |
| Greenville, OH | $100 | $613 | $713 | $445 | $545 | $167 |
| Lemon, OH | $1,000 | $635 | $1,635 | $461 | $1,461 | $174 |
| New Miami, OH | $300 | $536 | $836 | $390 | $690 | $147 |
| Sharonville, OH | $1,000 | $673 | $1,673 | $489 | $1,489 | $184 |
| Lincoln Heights, OH | $200 | $562 | $762 | $409 | $609 | $154 |
| St. Marys, OH | $2,500 | $613 | $3,113 | $445 | $2,945 | $167 |
| New Baltimore, OH | $500 | $700 | $1,200 | $509 | $1,009 | $191 |
| Monfort Heights, OH | $2,000 | $635 | $2,635 | $461 | $2,461 | $174 |
| Home Insurance Company Clayton, OH | Homeowners Insurance Agency Clayton, OH | Address | Popularity Score | Distance from Clayton (miles) |
|---|---|---|---|---|
| Erie | Jeff Williamson Insurance Llc | 733 Columbus Avenue, Lebanon, OH, 45036 | 30.3 | |
| State Farm | Gary Baggett | 927 Shroyer Rd, Dayton, OH, 45419-3633 | 13.4 | |
| State Farm | Sandy Williams | 625 W National Rd, Englewood, OH, 45322-1162 | 0.7 | |
| State Farm | Gabe Landes | 1490 N Fairfield Rd Ste C, Beavercreek, OH, 45432-2680 | 17.1 | |
| State Farm | Steve Reed | 8600 N Main St Ste A, Dayton, OH, 45415-1396 | 3.3 | |
| State Farm | David Bahr | 901 Congress Park Dr, Dayton, OH, 45459-4009 | 18.0 | |
| State Farm | Ken Kunkel | 6708 Cheviot Rd, Cincinnati, OH, 45247-5116 | 47.8 | |
| Travelers | Dayton Assoc Ins Agy Inc | 3131 S Dixie Dr Ste 109, Moraine, OH, 45439 | 13.2 | |
| Nationwide | Kevin Murphy And Assoc Agency Inc | 6229 N Dixie Dr, Dayton, OH, 45414 | 7.4 | |
| Erie | Alan Galvez Insurance Ltd | 134 W Columbus Avenue, Bellefontaine, OH, 43311 | 45.2 |
| Place | Typical Home Value | Typical Home Insurance Costs | 25th Percentile | 75th Percentile | Potential Savings & Difference between 25th & 75th Percentile |
|---|---|---|---|---|---|
| Ohio | $135,100 | $712 | $490 | $1,000 | $510 |
| Montgomery County, OH | $112,100 | $637 | $430 | $910 | $480 |
| Clayton, OH | $133,600 | $658 | $480 | $940 | $460 |
| Phillipsburg, OH | $85,300 | $581 | $400 | $830 | $430 |
| Fletcher, OH | $81,200 | $568 | $400 | $780 | $380 |
| Greenville, OH | $98,400 | $620 | $420 | $860 | $440 |
| Lemon, OH | $160,900 | $643 | $460 | $880 | $420 |
| New Miami, OH | $73,600 | $543 | $370 | $750 | $380 |
| Sharonville, OH | $144,500 | $681 | $490 | $970 | $480 |
| Lincoln Heights, OH | $81,500 | $569 | $420 | $790 | $370 |
| St. Marys, OH | $116,100 | $620 | $420 | $860 | $440 |
| New Baltimore, OH | $134,100 | $709 | $510 | $970 | $460 |
| Monfort Heights, OH | $160,900 | $643 | $460 | $880 | $420 |