Clay County Homeowners Insurance

Clay County homeowners have specific needs when it comes to shopping for a homeowners insurance policy. Did you know that Clay County homeowners pay $609.00/year for home insurance coverage? That's why we make it our job to find you the best rates and most comprehensive coverage in South Dakota.

Get comparative rates from the top insurance providers in the country including Travelers, Safeco, The Hartford, Progressive, ASI/Ark Royal and Foremost.

For home insurance quotes in Clay County, select your city below:

Homeowners Insurance Discounts in Clay County

• Retiree Discount: If you are retired, 55 or older and your home is your primary resident, you may be eligible for up to 20% off your Clay County homeowners policy.
• Home Security Discount: We believe that any time you can make your Clay County home less susceptible to theft your home insurance company should reward you for it! That’s why we have partnered with providers who offer a discount of up to 15% off your home insurance premium if you have a home security system. Ask your agent if you qualify.
• New Home Discount: If your Clay County home has been built within the past 10 years you may be eligible for up to 20% off your homeowners premium. Ask your agent if you qualify!

Why You Pay What You Do in Clay County

South Dakota homeowners insurance rates vary for many reasons from one county to the next in South Dakota. And with over 13,537 residents in Clay County (with an average household income of $31,217) we know how much time you all spend shopping for the best quotes available. But don’t let shopping for home insurance become a chore. Fill out one easy quote form, starting with your zip code, and let us shop for you.

One of the top factors affecting your home insurance premium is the amount of dwelling coverage you need. Dwelling coverage is calculated by multiplying the square footage of your home by the average building costs in your area. (Figure, on average, building costs in Clay County are around $90 per square foot.) Dwelling coverage should not be confused with your home’s market value, which includes land value and is the value of your home if it were listed for sale. (The average home value in Clay County is $66,756.)

Rates in the area may also be affected by the amount of liability coverage you choose to include in your Clay County homeowners insurance policy. Liability coverage protects you and your family against lawsuits. The average household in Clay County is home to 2.40 people, so it’s important to make sure you are all protected by liability insurance.

Get the best rates on Clay County home insurance by filling out a free quote form and talking with a licensed agent in your area today.