Home Insurance Costs with Deductible Scenarios in Clay County, MO & Nearby Areas

Place Name/Near by place	Typical Insured Amount ($)	High Deductible($) ($2500)	Low Deductible($) ($500)
Clay County, MO	$160900	$751	$1,033
Wood Heights, MO	$116400	$718	$988
Pawnee, MO	$190200	$609	$838
Oakwood Park, MO	$133600	$755	$1,039
Pettis, MO	$138000	$764	$1,051
Smithville, MO	$176300	$593	$816
Sugar Creek, MO	$82700	$633	$871
Avondale, MO	$86100	$643	$884
Independence, MO	$102800	$659	$907
Plattsburg, MO	$104900	$691	$951

---

Impact of Coverage Amount on Home Insurance Cost In Clay County, MO

Coverage Amount	Home Insurance Cost ($)
$100,000	$671
$200,000	$1,903
$300,000	$2,551
$400,000	$3,126
$500,000	$4,001
$750,000 to $1000,000	$4,626
Above $1000,000	$5,471

---

---

Clay County, MO Homeowners Insurance Rates Compared to State & National Average Rates

	Average Home Insurance Cost($) National Average $1224
Clay County, MO Average Home Insurance Cost	$1,045.32
State Average Home Insurance Cost	$1,084
Difference Vs national Average	-178.68

---

Top Homeowners Insurance Companies in Clay County, MO

Insurance Provider	Average Homeowners Insurance Cost($)
Shelter	$2,066
Amco	$1,960
State Farm	$1,847
Safeco	$1,405

---

Clay County, MO Home Insurance Discounts For Different Number of Claims

Type	Discount/Extra Cost in ($)	Premium After Claim Payout ($)
Claim Free	-136	909
One Claim	+73	1118
Two Claims	+125	1171

---