Gavop shows you how to buy homeowners insurance in Cross Lanes, WV by estimating coverage, choosing the right deductible, contacting the best agents, understanding claim requirements, comparing cheap rates, using discount options and reading reviews.
| Bedrooms | Average Home Value | Estimated Replacement Value | Recommended Home Insurance Coverage |
|---|---|---|---|
| 1 Bedroom | $50,500 | $50,000 | $50,000-$75,000 |
| 2 Bedroom | $160,000 | $150,000 | $150,000-$175,000 |
| 3 Bedroom | $138,500 | $130,000 | $150,000-$175,000 |
| 4 Bedroom | $294,000 | $280,000 | $300,000-$350,000 |
| 5 Bedroom | $187,000 | $150,000 | $175,000-$200,000 |
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$109 | $574 |
| Superior Protection Discount | -$61 | $621 |
| Fire & Security Discount | -$48 | $635 |
| Hail Resistant Roof Discount | -$14 | $669 |
| Newly Constructed Home Discount | -$164 | $519 |
| Claim Type | Average Claim Cost |
|---|---|
| General Claims | |
| Water Damage | $5,854 |
| Physical Damage | $2,513 |
| Hail Damage | $4,524 |
| Wind Damage | $6,624 |
| Expensive Claims | |
| Fire | $44,229 |
| Smoke | $15,884 |
| Home Insurance Company Cross Lanes, WV | Homeowners Insurance Agency Cross Lanes, WV | Address | Popularity Score | Distance from Cross Lanes (miles) |
|---|---|---|---|---|
| Erie | Asseff Insurance Agency | 335 2nd Ave South Charleston, South Charleston, WV, 25303 | 6.8 | |
| Allstate | Travis Foster | 127 Goff Mountain Rd, Cross Lanes, WV, 25313 | 1.8 | |
| State Farm | Mick Hager | 120 Walnut St, Saint Albans, WV, 25177-2040 | 4.3 | |
| Liberty Mutual | Jon Duggan | 112 Brent Way, Hurricane, WV, 25526 | 9.2 | |
| Liberty Mutual | Luke Sanson | 112 Brent Way, Hurricane, WV, 25526 | 9.2 | |
| Liberty Mutual | Mark A. Truelove | 112 Brent Way, Hurricane, WV, 25526 | 9.2 | |
| State Farm | Brandon Huffman | 5506 Big Tyler Road, Cross Lanes, WV, 25313 | 1.4 | |
| Erie | Swor Insurance Agency Llc | 1618 Bigley Avenue, Charleston, WV, 25302 | 9.9 | |
| Allstate | Anne Underwood | 436 12th St, Dunbar, WV, 25064 | 5.7 | |
| Allstate | James Beheler | 203 B St, Saint Albans, WV, 25177 | 4.9 |
| Place | Typical Home Value | Typical Home Insurance Costs | 25th Percentile | 75th Percentile | Potential Savings & Difference between 25th & 75th Percentile |
|---|---|---|---|---|---|
| West Virginia | $111,600 | $721 | $480 | $1,030 | $550 |
| Kanawha County, WV | $111,200 | $698 | $470 | $970 | $500 |
| Cross Lanes, WV | $143,600 | $683 | $500 | $960 | $460 |
| Teays Valley, WV | $215,700 | $819 | $570 | $1,120 | $550 |
| Milton, WV | $124,100 | $759 | $550 | $1,050 | $500 |
| Crown City, OH | $83,300 | $575 | $390 | $790 | $400 |
| Guyan, OH | $89,100 | $593 | $410 | $840 | $430 |
| Page, WV | $44,700 | $460 | $330 | $650 | $320 |
| Hartford City, WV | $69,500 | $570 | $390 | $800 | $410 |
| Rio Grande, OH | $146,200 | $736 | $530 | $1,050 | $520 |
| Oak Hill, WV | $93,500 | $615 | $440 | $870 | $430 |