Clayton, MO Homeowners Insurance

Compare homeowners insurance quotes in Clayton, MO. Choose from Travelers, Safeco, Nationwide and dozens of other top companies.

5.0  google review 5 stars partners insurance   186 Google Reviews

example of auto insurance quotes in affton, mo

Key takeaways

The average homeowners insurance cost in Clayton, MO is $1,611 per year.
Clayton homeowners insurance is 4% lower than the Missouri average.
Cincinnati Insurance is our top pick for homeowners insurance in Clayton, MO.
Table of Contents
    Add a header to begin generating the table of contents

    How much is homeowners insurance in Clayton, Missouri?

    The average homeowners insurance cost in Clayton is $1,611 per year according to our client data. That's 4% lower than the Missouri state average.

    The average in the United States is $1,406, putting Clayton 13% higher than the rest of the country. Some factors in determining premiums include historical weather patterns, claims history, local labor costs and credit score.

    Homeowners insurance in Clayton vs Missouri Average annual cost
    Clayton $1,611
    Missouri $1,678

    Who are the best homeowners insurance companies in Clayton, MO?

    There is no single insurance company that will be the best for everyone. Coverages and options vary from company to company, so it depends on your individual situation. Not all insurance companies that offer Missouri homeowners insurance will be available in Clayton.

    Some factors determining the right fit could be:

    age of home
    age of roof
    type of structure (frame vs solid brick)
    flood insurance
    earthquake insurance
    your dog is on the restricted breeds list

    Our recommendations

    Rank Company Reasoning
    #1 Cincinnati One of the strongest homeowners insurance policies available. Very few coverage exclusions. Not always the cheapest but you get what you pay for.
    #2 Travelers Exceptional claims process. Long standing A-rated company who has always done right by our clients.
    #3 Safeco Liberty Mutual is their parent company. Over 100 years in business and dedicated to delivering their policies through the independent insurance agency channel.
    #4 Openly A newcomer to homeowners insurance. What they lack in experience they make up for in a robust policy. Very few coverage exclusions and a $5 million guaranteed replacement cost. They don't offer auto insurance yet so you'll have to forfeit a bundling discount.
    #5 Nationwide Peyton Manning is in their commercials so they must be winners right? In all seriousness, Nationwide is a great company with strong financial backing. Claims are handled well and the policy is strong. The reason they're further down on our list is they shut off taking new clients for a period in 2023 and have struggled getting their rates competitive again.

    How did we determine the rankings?

    Our rankings are based on our real world experience working with insurance companies in Clayton over the last 15 years. We consider our personal experience placing clients with different carriers. We feel this real life experience is more valuable than some anonymous survey!

    Our rating criteria includes rate stabilization, financial stability, customer service and ease of doing business among other factors. As an independent insurance agency, we can choose from over 2 dozen homeowners insurance companies for our clients.

    Clayton, MO homeowners insurance coverage

    Some of the basic coverages on homeowners policies are for your dwelling, personal property and personal liability. There are also endorsements available such as sewer and water backup, earthquake and service line.

    Basic coverages

    Coverage type What it covers
    Coverage A: Dwelling Your home and attached structures such as a garage
    Coverage B: Other Structures Stand-alone structures on your property such as a fence, garage or shed
    Coverage C: Personal Property Items inside your home that aren't permanently attached
    Coverage D: Loss of Use Covers the cost of temporary housing if you can't live in your home due to a covered loss
    Coverage E: Medical Payments Pays to treat a non-household member injured on your property, regardless of fault
    Coverage F: Personal Liability Covers your legal liability for causing injury or property damage to someone else

    Check out our full list of homeowners insurance coverage options along with our recommendations.

    Does Clayton, MO homeowners insurance cover flood damage?

    Flood damage is not covered by homeowners insurance policies regardless of where you are located. To get coverage, you can purchase flood insurance through a private flood insurance company or the National Flood Insurance Program (NFIP).

    The NFIP is limited to $250,000 for structural coverage and $100,000 for personal property so it may not be an option for everyone.

    Our agency can help you get quotes from both to determine the best fit.

    Should I purchase earthquake coverage in Clayton?

    Earthquake insurance is definitely worth considering as the New Madrid Seismic Zone in southern Missouri is only about 168 miles from Clayton. Of course everyone's risk tolerance is different so this is a decision you'll have to make.

    Not all insurance companies offer earthquake coverage. For those who do, it's simply a coverage endorsement that can be added on to your homeowners policy. For those companies who do not offer the coverage, you can purchase a stand alone policy from a different company.

    Clayton, MO homeowners insurance deductibles

    Clayton homeowners face a high risk of hail damage. Anyone who has lived here for at least a few years has experienced this. Many insurance companies in the area now require you to have a separate deductible for wind and hail damage. These deductibles are usually higher than your deductible for all other causes of loss so it's important to know how they work.

    You may have a dollar amount deductible or a percent deductible. A dollar amount deductible could be something like $1,500. The percentage deductible is calculated as a percent of the dwelling coverage amount. For example, if you have a $300,000 home and your deductible is 1% of the dwelling covered amount, your deductible is actually $3,000.

    Percent deductible

    Dwelling Coverage Percent Deductible Deductible
    $300,000 1% $3,000
    $300,000 2% $6,000
    $300,000 3% $9,000

    Clayton, and the state of Missouri as a whole, has had the luxury of fixed dollar amount deductible options for wind and hail damage for a long time. However, the insurance landscape is changing and companies are increasingly phasing out fixed dollar amount deductibles in favor of percent deductibles.

    Many other states such as Oklahoma and Texas have been doing this for the last ten years so it's nothing new. So, while it may be new to Missouri, it isn't new to homeowners in other states.

    Clayton, MO homeowners insurance discounts

    Did you know you could save up to 40% on your premium just by taking advantage of discounts? It's a good idea to periodically check with your agent and review your policy.

    Some of the biggest discounts are:

    Multi-policy
    Protective devices
    Smart home
    No mortgage
    Paperless policy
    Claims free
    Quote in advance

    Check out our list of 24 homeowners insurance discounts to help you get the best deal possible.

    Other Personal Insurance Policies

    We offer many other personal insurance policies such as auto, motorcycle, boat, life, umbrella, rental property and more. The more you bundle, the more you can potentially save.

    Did you know that bunding your homeowners insurance with your auto insurance saves an average of 18%?

    Another great benefit to having all your policies with one agency is only having to call one place with any questions you may have. Whether that be for renewals, claims or billing, our customer service delivers a smooth and connected experience.

    What our customers are saying

    5.0 Google Reviews  google review 5 stars

    Ryan Robinson
    2 months ago
    Brian has helped me, my family, and girlfriend with auto and home policies and has been fantastic every time! Not only gets the best rate, but takes the time to educate you when you have a question. It is always a pleasure to do business with him
    Kimbra Hess
    2 months ago
    Brian Risk/ Partners Insurance handles my policies quickly and efficiently. Any time I have questions or need policies updated, Brian makes the process seemless and easy. Furthermore, Brian handles every inquiry immediately. I’m very satisfied as a customer.
    funnyman KAOZ
    4 months ago
    The service agent gave me top-notch customer service. He knew what he was talking about and made the whole experience an enjoyable one. You're very lucky to have him on your team. He was very knowledgeable and made things simple to understand. I will always go to him in the...

    The best way to compare and buy Clayton, MO homeowners insurance.

    Let us do the work.

    About Clayton, MO

    arial photo of clayton, mo

    Clayton is located in St. Louis county and has a population of 16,913. The city has an area of about 3 square miles. The average home value is $776,137.

    Established in 1935, Shaw Park is a beautiful outdoor attraction featuring Century Garden, Treetop Playground and a massive pavilion. There's also an indoor and outdoor aquatic center. The outdoor ice skating rink is a unique experience and one of the few remaining in the area.

    The restaurant options are plentiful. You can go fancy steakhouse dinner at The Captial Grille or laid back pizza joint at Peel Wood Fired Pizza.

    Roofers serving Clayton, MO

    Living in the midwest, we're no strangers to roof damage from hail. Having a reputable roofer to work with alongside your homeowners insurance company is important to ensure the best possible claims experience.

    Roofers serving Clayton, MO Phone number
    Advocate Construction (314) 266-6811 https://www.advocateconstruction.com/
    Innovative Construction & Roofing (314) 546-4047 http://www.innovativeroofs.com/
    Frederic Roofing Company (314) 645-2000 https://www.fredericroofing.com/

    Fire departments serving Clayton, MO

    Fire Department Address Phone Number Website
    Clayton Fire Department 10 N. Bemiston, Clayton, MO 63105 (314) 727-8100 https://www.claytonmo.gov/government/fire

    Local fire departments provide many services in addition to responding to fires. Many of them perform inspections for permits for both commercial and residential buildings.

    Partners Insurance proudly supports these brave men and women who make up our emergency services professionals. Thank a firefighter or first responder today.

    clayton, mo fire department

    Frequently Asked Questions

    The average cost of homeowners insurance in Clayton, MO is $1,611 per year, according to our client data.

    Our favorites for Clayton, MO based on our personal experience:

    1. Cincinnati
    2. Travelers
    3. Safeco
    4. Openly
    5. Nationwide

    With the New Madrid fault only about 168 miles from Clayton, it's worth considering purchasing earthquake insurance.

    Flood damage is not covered by homeowners insurance policies regardless of where you are located. To get coverage, you can purchase flood insurance through a private flood insurance company or the National Flood Insurance Program (NFIP).

    More from our blog

    service line insurance

    Service Line Insurance | Is it Covered by Homeowners?

    By Jason Wamsganz | June 29, 2023

    Do you know if Service Line Insurance is included in your homeowners policy? Your service […]

    Read More
    personal property insurance

    What is Personal Property Insurance?

    By Jason Wamsganz | June 15, 2023

    So, what is personal property insurance? Do you own a home, or rent, and are […]

    Read More
    Does homeowners insurance cover storage units

    Does Homeowners Insurance Cover Storage Units?

    By Jason Wamsganz | June 14, 2023

    Does homeowners insurance cover storage units? Do you have a storage unit and keep personal […]

    Read More
    insure home trust

    How to Insure a Home in a Trust

    By Jason Wamsganz | June 9, 2023

    Placing your home in a trust is a common estate planning strategy, especially for those […]

    Read More
    home renovation insurance

    Home Renovation & Insurance

    By Jason Wamsganz | June 5, 2023

    Home renovation can be an exciting project, but it comes with its own unique set […]

    Read More
    earthquake insurance

    Earthquake Insurance | Worth the Cost?

    By Jason Wamsganz | May 24, 2023

    Natural disasters can strike at any time, and the devastation that earthquakes can cause is […]

    Read More
    Call Email Policy Service Payments