Shop multiple homeowners insurance carriers in one place providing service and consultation from a licensed Clay County, FL agent.

Clay County, FL Homeowners Insurance Quotes

Shopping online for homeowners insurance rates in Clay County is easy with our online quoting application process. We can provide the most affordable premiums and coverage options while comparing up to 12 major carriers to help you find the best home insurance policy for you and your family in Florida.

For Clay County FL homeowners, it's important to know your home is protected from hurricanes, lightning and home fires. With our enhanced coverage option process, we can help you get the added coverage you need in case of flooding issues, wind and hail damage and so much more.

Clay County Home Insurance Rates

Clay County, FL homeowners are now averaging around $180.42 per month for a basic homeowners policy. For Florida residents, this amounts to $2165 per year for a standard home policy for homeowners living in Clay County, FL. In comparison, the national average for home insurance premiums is around 1,249 per year. Florida is now ranked #1 in the country for the highest home insurance rates. Would you like to get up to 12 free home insurance quotes for your home in Clay County, FL so you can save up to 40% or more? If so, we look forward to working with you and providing a excellent home insurance shopping experience. Just enter your zip code to start the online quoting process, it only takes a minute and we will present the best rates and coverage options for you.

For all Clay County, FL residents, you can select your city below to review more information about homeowners insurance in your local area. Information includes city demographics, facts and average premium rates for homeowners on an annual and montly basis. If you are searching for insurance rates nearby then click your city below.


Are you looking for a homeowners insurance quote in Clay County? Simply enter your zip code to get your Florida homeowners insurance quotes and receive up to 12 competitive quotes and coverage options in your area.

Clay County, FL Housing Demographics

With 190,865 residents living within the Clay County area there are over 75,478 homeowners looking for more affordable home insurance rates. Your homeowners policy is written to help protect your home and family. With an estimated 52,419 families living within the local area, it is safe to say that great coverage at an affordable price is most desired amongst every homeowner living in Clay County.

DemographicValues
Total Occupied Households68,792
Family Households (families)52,419
Average Owner Occupied Household Size3
Average Family Size3
Total Housing Units75,478

Clay County, FL Coastal Wind, Hail & Flood Information

For all homeowners living in Clay County (FIPS: 12019), it's important to understand that this county is in a coastal area and has great risk of damage due to hurricanes, windstorms, hail and flooding. The wind and hail insurance program provided through the state of Florida is the states opportunity to help provide additional wind/hail coverage when insurance companies exclude it from homeowners and other policies sold to coastal residents. You can buy wind and hail insurance coverage through us and we will shop multiple companies to package the best coverage option for you. If you are shopping for quotes in Clay County, FL, it's important that you look into hurricane and windstorm insurance options.

Clay County boarders a shoreline which increases the risk of wind, hail and flood damage. We will look into providing the best rates possible considering your home is located in the coastal area of Florida.

Helpful Articles:

Clay County, FL Home Insurance Average Premiums

Local Clay, FL homeowners insurance quotes comparison

$1,735 /yr.

Florida's Average Home Insurance Rates Overall

For the state of Florida, homeowners insurance premiums have changed based on a variety of different factors related to risk and is currently ranked 1 in the nation for highest premiums in the U.S.

Average RatingAnnual Premium
Minimum Range:$929 /yr.
Current Average Cost:$1,735 /yr.
Maximum Range:$2165 /yr.

Clay County, FL Coastal Wind, Hail & Flood Information

Clay is a coastal county which greatly increases the risk of hurricanes and windstorms. Our quoting process will include wind and hail coverage options to give you the best protection you need against high winds and storm damage.

Flood Zone Notice: The beautiful coastal county of Clay is know for it's beautiful beaches and waterways. Because Clay County (FIPS: 12019) has a shoreline and is in a coastal area it is important to purchase flood insurance. The risk is very high in this area and we will work with you to provide the best flood insurance coverage you need for your home in Clay County.

Coastal Clay County Information: To obtain flood insurance coverage, the process usually takes more than 30 days to finalize, if you need flood insurance coverage now, please call us at 888-620-1954.
For more information about your area, please click Coastal Homeowners Insurance in Florida

Florida Homeowners Insurance News & Information

  • Florida has 7 New Home Insurance Companies Entering the Market Posted on Friday 1st March, 2024

    Recently, Florida has seen seven new insurance companies enter the market for homeowners coverage. Currently, the average premium for homeowners coverage is $6,000 a year in the Sunshine state compared to a nationwide average of just $1,700 a year, according to the Insurance Information Institute.  The Insurance Information Institute is hopeful that the new insurance […]

  • What exactly is a FAIR Plan? Posted on Tuesday 2nd January, 2024

    If you live in an area where severe weather is common, or wildfires pop up every summer you may have trouble finding affordable home insurance coverage. If homes in your area are repeatedly damaged or destroyed by a covered peril, insurers may pull out of the entire area, refusing to write policies in your neighborhood. […]

  • Florida Homeowners Advance From Citizens into Private Companies Posted on Tuesday 5th December, 2023

    Homeowners Choice Property and Casualty Insurance Co. has assumed approximately 53,750 policies from Citizens Property Insurance Corp., Florida’s state-backed insurance company, the parent company says in a Tuesday news release. Homeowners Choice is owned by HCI Group Inc., a holding company with operations in homeowners insurance, information technology services, real estate and reinsurance. Homeowners Choice […]

  • 2024 Homeowners Insurance Outlook Receives Negative Rating Posted on Tuesday 21st November, 2023

    The insurance news for 2024 is certainly not great. Experts expect that extreme weather and increasing costs will push up insurance costs and make insurance companies more selective when deciding where they will write policies.  Recently, credit rating agency AM Best downgraded the entire home insurance industry from stable to negative. According to Richard Attanasio, […]

  • Fall 2023: Florida Homeowners Insurance Premium Update Posted on Tuesday 24th October, 2023

    Despite the fact that the Florida legislation finally passed a couple of bills to deal with the ever-increasing cost of homeowners insurance, it seems unlikely that premiums will start to fall anytime soon according to a report put out by Karen Clark & Company (KCC), a risk modelling firm. The recent report, titled “Managing Expectations: […]

  • Citizens Property Insurance Corporation Citizens Property Sends Out Letters Posted on Wednesday 27th September, 2023

    Soon, hundreds of thousands of Citizens Property Insurance Company policyholders will be getting a letter in their mailbox asking them to move their policy to a private insurance company and away from Citizens, the state-backed insurer of last resort. Citizens Property is using the letters as part of its “Depopulation” effort that was approved by […]

  • 5 New Homeowners Insurance Companies Step into the Florida Insurance Market Posted on Wednesday 27th September, 2023

    Florida’s property insurance disaster may be taking baby steps in the right direction as five new insurers step into the Florida market, taking over hundreds of thousands from Citizens Property, Florida’s insurer of last resort. This could lead to more insurance options for residents of the Sunshine State soon. The five companies in the mix […]

  • Why is Florida homeowners insurance so expensive? Posted on Friday 22nd September, 2023

    Homeowner insurance premiums are dramatically heading up this year, particularly in states that are prone to natural disasters. According to a new report from Policygenius, the average homeowner policy went up 21% nationally which is on top of a 12% increase that homeowners endured last year.  As usual, Florida is at the top of the […]

Discounts For Homeowners in Clay County

As a homeowner, you have to understand that insurance companies see homes as a risk. If you can decrease any of the risk factors that will determine your premium, then it's best to follow these important guidelines in order to save money on your Florida homeowners insurance.

  • Install A Smoke Alarm in Every Room: It's important you do this for your own safety, so why not install a smoke detector in every room. Show your home insurance company that safety comes first. Once you have them installed, shop for home insurance and mentioned you have taken the right safety precautions to reduce house fires. For homeowners in Clay County, this discount can save you up to 20% on your home insurance premium.
  • Combine Your Home and Auto Insurance Into One Package: Any home insurance provider is going to want your business. It's important you offer this opportunity to combine your home and auto insurance together in one package. You may want to also see if you can open up a life or health insurance account as well. Merging all your insurance into one company will save you money. Homeowners in Clay County that do combine their home and auto can save over $500 with this discount.
  • Install A Home Security System: Your home insurance company should reward you for installing a home security system, sometimes up to 22%. It's important that you take precautions and reduce the risk of someone breaking into your Clay County home. This will be one of the questions that you will want to ask your home insurance agent to see if you qualify for this discount. If you don't, make sure you shop other companies to get the "Home Security Discount"
  • Purchase A Fire Exstinguisher: Although smoke alarms provide warnings, it's best to be prepared. This may or may not provide any stand alone discount, but it shows your serious when it comes to reducing risk.
  • Stop Smoking: It's important to protect your health and your home. If you don't smoke or don't have anyone living with you that smokes then this can save you up to 18% on your home insurance premium.

Clay County Housing & Real Estate Data

Details:Statistics
Total Housing Units75478
Occupied Housing Units68792
Vacant Housing Units6686
Vacant Housing Units for Rent1687
Vacant Housing Units Rented Not Occupied67
Vacant Housing Units For Sale1560
Vacant Housing Units Sold Not Occupied236
Vacant Housing Units For Seasonal Occasional Use877
Vacant Housing Units All Other Vacants2259
Housing Units Homeowner Vacancy Rate Percent3
Housing Units Rental Vacancy Rate Percent9
Housing Tenure Occupied Units68792
Housing Tenure Occupied Units Owner Occupied52567
Housing Tenure Occupied Units Owner Occupied Population145070
Housing Tenure Occupied Units Owner Occupied Averge Household Size3
Housing Tenure Occupied Units Renter Occupied16225
Housing Tenure Occupied Units Renter Occupied Population44544
Housing Tenure Occupied Units Renter Occupied Average Household Size3