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Clay County, AL Home Insurance Rates - What Affects It?

The issues listed mainly affect Clay County, Alabama Home Insurance Rates & getting on top of them can keep your costs really cheap.

Replacement Value of your home in Clay County, AL is the biggest driver of your coverage & home insurance.

Here is a list of replacement costs & home insurance for Clay County, AL & nearby areas

Place Typical Home Size Replacement Cost Monthly Home Insurance Cost
Clay County 3 Beds, 1 Bath, 1880 sqft $124,000 $46
Centralhatchee, GA 2 Beds, 1 Bath, 1,410 sqft $54,000 $18
Glencoe 3 Beds, 2 Baths, 2,270 sqft $158,000 $50
Texas, GA 2 Beds, 1 Bath, 1,440 sqft $77,000 $30
Webster Chapel 3 Beds, 1 Bath, 2,350 sqft $134,000 $49
Lincoln 4 Beds, 3 Baths, 2,920 sqft $188,000 $78
Roanoke 2 Beds, 1 Bath, 1,600 sqft $82,000 $23
White Plains 3 Beds, 1 Bath, 1,900 sqft $133,000 $46
Hillcrest, GA 4 Beds, 1 Bath, 3,150 sqft $152,000 $80
Hollis Crossroads 2 Beds, 1 Bath, 1,430 sqft $78,000 $30
Camp Hill 3 Beds, 2 Baths, 2,150 sqft $175,000 $60
Eclectic 2 Beds, 1 Bath, 1,190 sqft $88,000 $28
Our Town 4 Beds, 2 Baths, 2,910 sqft $194,000 $70
Goldville 2 Beds, 1 Bath, 1,480 sqft $75,000 $35
Hollins 4 Beds, 3 Baths, 2,100 sqft $109,000 $39
Odenville 3 Beds, 2 Baths, 1,410 sqft $54,000 $22
Pell City 3 Beds, 2 Baths, 1,900 sqft $108,000 $33
Waco, GA 4 Beds, 2 Baths, 1,690 sqft $123,000 $32
Cobb Town 2 Beds, 1 Bath, 1,620 sqft $123,000 $27
Stewartville 2 Beds, 1 Bath, 1,110 sqft $57,000 $22
Harpersville 2 Beds, 1 Bath, 1,740 sqft $106,000 $29

If your Clay County, AL home has prior claims, your insurance is likelier to be higher

Here are some typical claims filed in Clay County:

Claim Typical Claim Amount
HAIL $6,000
LIGHTNING $3,000
OPTIONAL COVERAGE LOSSES $12,000

Your Clay County, AL insurance agent (see examples below) can help with your claims.

  • Travelers: Wright-Sprayberry Ins Llc, 120 court square, Ashland, AL, 36251 256-354-4100
  • State Farm: Doug Camp, 719b battle st e, Talladega, AL, 35160-2546 256-362-4930
  • Allstate: Clarks Ins Cntr, 106 court sq s, Talladega, AL, 35160 (256) 362-3548
  • State Farm: Rex Griffin, 212 e battle street, Talladega, AL, 35160-2420 256-761-9192
  • Travelers: Adamson Insurance Agency Inc, 88861 hwy 9, Lineville, AL, 36266 256-396-2055

Your Background Impacts Your Home Insurance Quotes

Here is a list of Clay County, AL homeowners with differing backgrounds & their changing home insurance.

Employment Status Credit Score Income Level Other Details Monthly Home Insurance Rate
Freelancer 700-749 Credit Score <$25,000 2 Pets, Smoker $790
Part Time Job 600-649 Credit Score <$25,000 No Pets, Non-Smoker $470
Full Time Job 550-599 Credit Score >$150,000 More than 3 Pets at home, Non-Smoker $320