Gavop's guide to buying homeowners insurance in Fayette 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 | $31,500 | $30,000 | $25,000-$50,000 |
| 2 Bedroom | $59,500 | $50,000 | $50,000-$75,000 |
| 3 Bedroom | $68,500 | $60,000 | $50,000-$75,000 |
| 4 Bedroom | $152,500 | $140,000 | $125,000-$150,000 |
| 5 Bedroom | $105,000 | $90,000 | $100,000-$125,000 |
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$117 | $500 |
| Superior Protection Discount | -$56 | $561 |
| Fire & Security Discount | -$62 | $555 |
| Hail Resistant Roof Discount | -$19 | $598 |
| Newly Constructed Home Discount | -$179 | $438 |
| 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 |
| Fayette County | $2,000 | $610 | $2,610 | $443 | $2,443 | $167 |
| Fayette County, WV | $2,000 | $610 | $2,610 | $443 | $2,443 | $167 |
| Hico, WV | $100 | $672 | $772 | $488 | $588 | $184 |
| Glen Ferris, WV | $1,000 | $587 | $1,587 | $426 | $1,426 | $160 |
| Piney View, WV | $200 | $686 | $886 | $498 | $698 | $187 |
| Sophia, WV | $500 | $502 | $1,002 | $365 | $865 | $137 |
| Pinch, WV | $2,500 | $849 | $3,349 | $617 | $3,117 | $232 |
| Elkview, WV | $200 | $619 | $819 | $450 | $650 | $169 |
| Camden-on-Gauley, WV | $700 | $453 | $1,153 | $330 | $1,030 | $124 |
| Cowen, WV | $300 | $484 | $784 | $352 | $652 | $132 |
| Poca, WV | $2,500 | $813 | $3,313 | $591 | $3,091 | $222 |
| Home Insurance Company Fayette County, WV | Homeowners Insurance Agency Fayette County, WV | Address | Popularity Score | Distance from Fayette County (miles) |
|---|---|---|---|---|
| State Farm | Chris Hall | 237 Gateway Blvd, Lewisburg, WV, 24901-1175 | 38.7 | |
| Liberty Mutual Independent | Morgan Insurance. | 103 Fayette Ave, Fayetteville, WV, 25840 | 1.8 | |
| Erie | Asseff Insurance Agency | 335 2nd Ave South Charleston, South Charleston, WV, 25303 | 40.2 | |
| Erie | Summit Insurance Agency Llc | 211 N Court Street, Fayetteville, WV, 25840 | 1.9 | |
| State Farm | Gary D Davis | 217 N Court St, Fayetteville, WV, 25840-1233 | 1.9 | |
| Allstate | Anne Underwood | 436 12th St, Dunbar, WV, 25064 | 42.2 | |
| State Farm | Jerry Mckinney | 272 Virginia Avenue, Welch, WV, 24801-2423 | 49.3 | |
| Allstate | Tresa L. Davis-Weir | 4848 Maccorkle Ave Sw, South Charleston, WV, 25309 | 41.6 | |
| State Farm | Lisa Godwin | 6434 Sissonville Dr, Charleston, WV, 25320-9709 | 44.3 | |
| State Farm | Donnie Bowling | 1443 Main St E, Oak Hill, WV, 25901-2727 | 4.0 |
| 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 |
| Fayette County, WV | $86,400 | $617 | $450 | $850 | $400 |
| Fayette County, WV | $86,400 | $617 | $420 | $870 | $450 |
| Hico, WV | $98,900 | $680 | $490 | $970 | $480 |
| Glen Ferris, WV | $75,600 | $594 | $430 | $840 | $410 |
| Piney View, WV | $103,200 | $694 | $510 | $950 | $440 |
| Sophia, WV | $55,100 | $508 | $370 | $720 | $350 |
| Pinch, WV | $162,000 | $859 | $580 | $1,180 | $600 |
| Elkview, WV | $84,100 | $627 | $430 | $860 | $430 |
| Camden-on-Gauley, WV | $44,400 | $459 | $330 | $640 | $310 |
| Cowen, WV | $51,000 | $490 | $350 | $690 | $340 |
| Poca, WV | $147,500 | $823 | $600 | $1,170 | $570 |