Comparison Shop Home Insurance in Clayton from Multiple Carriers Instantly!
Being an independent insurance agency means we shop and compare the best Clayton homeowners insurance options on your behalf to find you the best combination of cost and coverage. If you want an easier insurance experience, you’ll love doing business with us. How do you get started? Easy! First, all we need is your address, and you’ll get an instant quote in 15 seconds or less. Next, our agents will tailor and further customize your policy to fit your specific insurance needs. Also, did we mention we re-shop your policy renewal to ensure you are still getting the best deal year after year?
You’re one click away from never worrying about home insurance again!
Clayton Home Insurance Coverage
The beauty of home insurance is that it can be tailored to fit you and your situation. Typically, a standard home insurance policy covers the following:
- Coverage for your home and other structures on your property, like detached garages
- Coverage for your belongings inside your home, like clothes and furniture
- Liability coverage for guests that may be injured on your property
- It covers additional living expenses if you need temporary lodging while your home is being repaired
What is the Cost of Home Insurance in Clayton, North Carolina?
Your home insurance policy is crafted to fit your needs as a homeowner and protect your home. Your specific policy will look different from anybody else’s since it is built to protect your home and belongings. Look at how Clayton compares to other averages.
National Average: $1,477
North Carolina Average: $1,215
Clayton, North Carolina Average: $1,376
Your home insurance premium can vary from these averages, but it is always good to compare. If your current homeowners insurance policy is much less expensive than the city average, you may not have enough coverage and be underinsured. If you pay much more than these averages, you could simply be overpaying for home insurance.
Average Clayton Home Insurance Cost By Coverage Level
Dwelling coverage is a fundamental element of home insurance that protects the physical structure of your home against covered hazards. The intention is to cover the expenses of repairing or rebuilding your home if it is damaged or destroyed due to a covered event. So, the amount of dwelling coverage needed depends on the cost of rebuilding your home. Your home insurance covers the policy limit- which is coverage for up to a specified dollar amount. It is critical to ensure that your dwelling coverage limit is sufficient to cover the cost of rebuilding your home in case of a complete loss. Dwelling coverage limits can significantly impact home insurance premiums, with higher limits resulting in higher premiums since the insurance company is assuming more risk.
In Clayton, North Carolina, if you need $200,000 in dwelling coverage, you’ll pay an average of $1,260 per year. However, if your home is worth more, you’ll want more coverage, so homeowners wanting $400,000 in dwelling coverage will pay an average of $1,766 in Clayton, North Carolina.
Dwelling Coverage Limits Average Annual Premium (incl. Windstorm & Hail Coverage)
$100,000.00 - $199,999.00 $962.05
$200,000.00 - $299,999.00 $1,259.68
$300,000.00 - $399,999.00 $1,486.97
$400,000.00 - $499,999.00 $1,765.95
How Clayton Home Insurance is Affected By the Size of Your Home
When it comes to determining the cost of your home insurance, there’s a lot that goes into it. Carriers will look at your home’s age, location, and size- among other things. The size of your home is a factor because it affects your replacement cost.
If you have a house with higher square footage, your home will be more expensive to rebuild if a total covered loss damages it. If you think about it, a larger house requires more building materials, time, and manpower to rebuild from the ground up. It goes the other way for smaller homes. If you have less house to rebuild, your home insurance premium will be lower.
Looking at the numbers, houses in Clayton, North Carolina, that are over 2,000 square feet average about $1,615 per year to insure. In comparison, houses that are under 2,000 square feet cost $1,180 to insure a year.
Does My Location Affect Home Insurance Premiums in Clayton?
Determining home insurance rates is very similar to determining auto insurance rates. Providers look at factors in your area, like the potential dangers you face and the crime rates. So, your premiums could be lower if you live in a relatively low crime rate area. In addition, if your area is known for having floods or severe weather, you may have to pay more for your premium. In Clayton, the ZIP code with the highest average premium is 27527, and the average cost for that ZIP code is $1,463. Below is a comparison of the average cost of auto insurance within the ZIP codes of Clayton:
Who is the Most Popular Home Insurance Carrier in Clayton, North Carolina?
We want you to find the perfect homeowners insurance in Clayton, North Carolina. Knowing what the best insurance carriers in your area charge for home insurance is a great way to know if your policy is competitive. So, we pulled together some data from TGS customers in your area and found that SageSure is the most popular in Clayton. People with SageSure pay an average of $1,046 annually. Another popular carrier in Clayton is Travelers. Travelers’ rates differ slightly from SageSure, with an average cost of $1,206 annually. So, check out our data below for Clayton’s four most popular carriers and their average annual home insurance premiums.
Zip Codes in Clayton We Insure
Don’t see your zip code? Not a problem! We can help homeowners throughout North Carolina find the best home coverage for their needs. So, get started with a free instant quote by providing your address above.