Gavop's guide to buying homeowners insurance in Wirt County, WV covers how to get the right coverage, optimize deductibles, identify the best agents, understand claim requirements, avail discount options, compare cheap quotes and research reviews.
| Bedrooms | Average Home Value | Estimated Replacement Value | Recommended Home Insurance Coverage |
|---|---|---|---|
| 1 Bedroom | $37,000 | $30,000 | $25,000-$50,000 |
| 2 Bedroom | $84,500 | $80,000 | $75,000-$100,000 |
| 3 Bedroom | $95,500 | $80,000 | $100,000-$125,000 |
| 4 Bedroom | $109,000 | $90,000 | $100,000-$125,000 |
| 5 Bedroom | $315,500 | $270,000 | $250,000-$300,000 |
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$131 | $559 |
| Superior Protection Discount | -$62 | $628 |
| Fire & Security Discount | -$55 | $635 |
| Hail Resistant Roof Discount | -$14 | $677 |
| Newly Constructed Home Discount | -$152 | $539 |
| Low Deductible ($500) | High Deductible ($2500) | |||||
|---|---|---|---|---|---|---|
| Place | Example Claim Amount | Yearly Premium | Total Yearly Cost | Yearly Premium | Total Yearly Cost | Net Savings for High Deductible Plan |
| Wirt County | $1,500 | $682 | $2,182 | $496 | $1,996 | $186 |
| Wirt County, WV | $1,500 | $682 | $2,182 | $496 | $1,996 | $186 |
| Ritchie County, WV | $100 | $682 | $782 | $496 | $596 | $186 |
| Coolville, OH | $1,500 | $578 | $2,078 | $420 | $1,920 | $158 |
| Watertown, OH | $500 | $693 | $1,193 | $503 | $1,003 | $189 |
| Bern, OH | $1,000 | $744 | $1,744 | $541 | $1,541 | $203 |
| Sissonville, WV | $200 | $645 | $845 | $469 | $669 | $176 |
| Doddridge County, WV | $2,000 | $646 | $2,646 | $469 | $2,469 | $177 |
| Tyler County, WV | $400 | $604 | $1,004 | $439 | $839 | $165 |
| Henderson, WV | $2,000 | $482 | $2,482 | $350 | $2,350 | $132 |
| Winfield, WV | $400 | $858 | $1,258 | $623 | $1,023 | $234 |
| Athens, OH | $1,000 | $743 | $1,743 | $540 | $1,540 | $203 |
| Home Insurance Company Wirt County, WV | Homeowners Insurance Agency Wirt County, WV | Address | Popularity Score | Distance from Wirt County (miles) |
|---|---|---|---|---|
| Erie | Kerby Insurance Agency Llc | 265 Ripley Road, Spencer, WV, 25276 | 15.0 | |
| Allstate | Travis Foster | 127 Goff Mountain Rd, Cross Lanes, WV, 25313 | 47.1 | |
| Erie | Ashley Insurance Agency | P O Box 823, Spencer, WV, 25276 | 15.1 | |
| Liberty Mutual | Flo Jones | 112 Brent Way, Hurricane, WV, 25526 | 49.5 | |
| Allstate | Mark Mckinniss | 1809 Dupont Rd Ste 2, Parkersburg, WV, 26101 | 18.3 | |
| Allstate | Anne Underwood | 436 12th St, Dunbar, WV, 25064 | 49.3 | |
| Allstate | Tresa L. Davis-Weir | 4848 Maccorkle Ave Sw, South Charleston, WV, 25309 | 49.6 | |
| State Farm | Roy Alltop | Pike Street, Elizabeth, WV, 26143 | 7.5 | |
| State Farm | Scott Whorton | 4801 Mccorkle Ave Se, Charleston, WV, 25304-1948 | 49.4 | |
| Nationwide | Mccrady-Jones Insurance Llc | 2121 Pike Street, Parkersburg, WV, 26101-6955 | 17.1 |
| Place | Typical Home Value | Typical Home Insurance Costs | 25th Percentile | 75th Percentile | Potential Savings & Difference between 25th & 75th Percentile |
|---|---|---|---|---|---|
| West Virginia | $111,600 | $721 | $490 | $1,020 | $530 |
| Wirt County, WV | $81,400 | $690 | $490 | $980 | $490 |
| Wirt County, WV | $81,400 | $690 | $470 | $960 | $490 |
| Ritchie County, WV | $82,100 | $690 | $470 | $980 | $510 |
| Coolville, OH | $86,600 | $585 | $400 | $830 | $430 |
| Watertown, OH | $130,400 | $701 | $470 | $970 | $500 |
| Bern, OH | $154,800 | $753 | $550 | $1,070 | $520 |
| Sissonville, WV | $105,400 | $653 | $470 | $930 | $460 |
| Doddridge County, WV | $105,900 | $654 | $450 | $920 | $470 |
| Tyler County, WV | $92,400 | $611 | $430 | $840 | $410 |
| Henderson, WV | $50,600 | $488 | $330 | $670 | $340 |
| Winfield, WV | $165,900 | $868 | $620 | $1,230 | $610 |
| Athens, OH | $166,400 | $752 | $520 | $1,040 | $520 |