Clay County, MN Homeowners Insurance Quotes

Shopping online for home insurance rates in Clay County is much easier and faster with our online quoting application. We can provide the most affordable premiums and coverage options while comparing up to 12 top insurance providers to help you find the best homeowners policy for you and your family in Minnesota.

For Clay County MN 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 or hail damage and so much more.

Clay County Home Insurance Rates

Clay County, MN homeowners insurance is now costing homeowners around $123.42 per month for a basic homeowners policy. For Minnesota residents, this amounts to $1481 per year for homeowners living in Clay County, MN. In comparison, the national average for home insurance rates costs around 1,249 per year. Minnesota is ranked #13 in the country for the highest home insurance rates. Would you like to get up to 12 free competitive home insurance quotes for your home in Clay County, MN? We can help you save up to 40% or more on these average rates. If this interest you, we look forward to working with you and providing an 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 top rates and coverage options for you.

For all Clay County, MN 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 Minnesota homeowners insurance quotes and receive up to 12 competitive quotes and coverage options in your area.

Clay County, MN Housing Demographics

With 58,999 residents living within the Clay County area there are over 23,959 homeowners looking for more affordable home insurance rates. Your homeowners policy is written to help protect your home and family. With an estimated 14,186 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.

• How can I lower my homeowners insurance rate? Posted on Monday 18th August, 2025

  According to a recent report from the National Association of Realtors, homeowner insurance premiums have jumped up 10% since last year which follows a similar increase in 2023. Premium increases were even higher in states where severe weather and wildfires were more common.  In a recent AOL.com article, Paul Burns commented on how he had […]

• 5 Perils Not Covered by Homeowners Insurance Posted on Tuesday 29th July, 2025

  Homeowners insurance is an absolute necessity to protect your home and its contents. If you have a mortgage on your home, it is also required. While homeowners insurance offers plenty of protection, there are gaps in coverage that you should be aware of because they can lead to massive out of pocket costs if you […]

• Compare 2025 Homeowners Insurance Rates in Every State Posted on Thursday 24th July, 2025

  According to a recent study by Insurify, homeowners in every state will be paying more for insurance coverage by the end of the year.  The study found that climate change fueled natural disaster are the main cause of ever-increasing homeowner premiums. Wildfires out west, hailstorms in the Midwest and hurricanes and flooding in the South […]

• Texas Homeowner Insurance Claims Were Closed Without Any Payment Posted on Monday 14th July, 2025

  According to a recent study that was reported on in the Houston Chronicle, almost half of all Texas homeowner insurance claims were closed without any payment to the homeowner. A company called Weiss Ratings was in charge of the study and they found that 47% of claims filed by Texas homeowners have been closed by […]

• What causes North Carolina home insurance to go up? Posted on Monday 7th July, 2025

  A homeowner in North Carolina was greeted with a nasty surprise this year, a 41% increase in his insurance premium.  On average, homeowners in North Carolina saw a rate jump of 7.5% on June 1st due to a settlement reached by the North Carolina Department of Insurance but this certainly doesn’t explain a 41% increase.  Doug Corkhill is […]

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 Minnesota 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.