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

Place Name/Near by place Typical Insured Amount ($) High Deductible($)
(> $10,000 Deductible)
Low Deductible($)
($500- $1000 Deductible)
Clay County $155,000 $531 $864
Wood Heights $115,000 $355 $628
Pawnee $175,000 $644 $985
Oakwood Park $135,000 $468 $808
Pettis $140,000 $408 $1,340
Smithville $180,000 $1,098 $944
Sugar Creek $85,000 $432 $755
Avondale $95,000 $285 $949
Independence $100,000 $308 $519
Plattsburg $100,000 $291 $502

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

Coverage Amount Home Insurance Cost ($)
$100000 $1,100
$250000 $1,320
$500000 $2,112
$750000 $2,746
$1000000 $3,514
More than $1000000 $4,063


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$1,000
State Average Home Insurance Cost$1,188
Difference Vs national Average-224

Best Home Insurance Quotes & Estimates for Properties Near Clay County, MO

Deductible ($) Home Value ($) Homeowners Insurance Cost ($) Location
$500- $1000 Deductible $186,500 $790 E Stockdale
$1000-$2500 Deductible $231,000 $720 N McKinley St
$5000 to $10,000 Deductible $188,500 $540 NW Cookingham Dr
$2500-$5000 Deductible $138,500 $380 Armour Rd
$500 Deductible $64,000 $290 NW 72nd St
$5000 to $10,000 Deductible $353,000 $890 Canterbury Ct, Bingaman Ct
$2500-$5000 Deductible $80,500 $180 75th Ter
$2500-$5000 Deductible $216,000 $670 NE Meadow Ln

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 ($) Premium After Claim Payout ($)
Claims Free -130 870
One Claim +50 1050
Two Claims +120 1120