Gavop's guide to buying homeowners insurance in Jefferson 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.
| Jefferson County, WV - Neighbourhoods, Census Blocks & Streets | 3 Bedroom | 4 Bedroom | ||||
|---|---|---|---|---|---|---|
| Average Home Value | Estimated Replacement Value | Recommended Home Insurance Coverage | Average Home Value | Estimated Replacement Value | Recommended Home Insurance Coverage | |
| Dark Ln W, Mtn View Dr, Co Rte 16/4, Thouroughbred Dr, Whiskers Way, Hollow Creek Ln, Park Ave, Link Dr, Dogwood Dr, Court Ln | $174,500 | $170,000 | $150,000-$175,000 | $313,500 | $280,000 | $250,000-$300,000 |
| Hilda Ln, Cedar Ln, Lowery Ln, Chestnut, Hinton, Bakerton Rd, Red Cardinal Ct, White Tail Ln, Cider Ln, Engle Moler Rd | $233,500 | $200,000 | $200,000-$250,000 | $233,500 | $200,000 | $250,000-$300,000 |
| Mountain Brook Dr, McGuire Cir, Jefferson Terrace Rd, James Allen Ln, N Partridge Trl, Co Rte 18, Dogwood Ln, Surrey Dr, Pub Rd 19/528 Summit Pt, Bliss Rd | $141,000 | $120,000 | $125,000-$150,000 | $298,500 | $260,000 | $300,000-$350,000 |
| Valley View Rd, Engles-Molers Rd, Old Martinsburd Rd, Maplewood Ct, Woodcock Ave, Conifer Ct, General McClellan Ct, Pub Rd 19/527 Summit Pt, Ceder Hollow Ln, Kidwiler Rd | $237,000 | $210,000 | $200,000-$250,000 | $568,500 | $540,000 | $500,000-$600,000 |
| Evergreen Dr, Homestead Ln, Greyrock Rd, Chestnutwood Way, Dam No 4 Rd, Lemon St, Balsam Ct, Treeline Dr, Fairlane Dr, Co Rte 6 | $289,000 | $260,000 | $300,000-$350,000 | $346,500 | $320,000 | $300,000-$350,000 |
| Iris Way, Patrick Henry Way, Sunlite Dr, Packett Dr, Straight Rd, Midway Farm Ct, Persimmon Knl, Duke Cir, Co Rte 32/1, Echo Valley Ln | $233,000 | $190,000 | $175,000-$200,000 | $395,500 | $360,000 | $400,000-$500,000 |
| Henkle Moore Rd, Clarence Dr, E Beltline Ave, Stanley Ln, Mopar Ave, W Congress St, Douglas Dr, West St, Briar Trl, Gallihugh Ln | $117,000 | $100,000 | $100,000-$125,000 | $250,000 | $230,000 | $250,000-$300,000 |
| Seven Springs Rd, Patent House Rd, Willow Spring Dr, Clarence Ct, Beauregard Blvd, Beagle Run, Pinewood Ln, Shenandoah Junction Rd, Hunters Ct, Berridge Dr | $142,500 | $130,000 | $100,000-$125,000 | $226,000 | $190,000 | $200,000-$250,000 |
| John Brown Farm Rd, General Wright Ct, Dalgo Ln, Huyette Rd, Withers & Larue Rd, N Kimberwicke Dr, Byrd Dr, Kearneysville Pike, Sleepy Hollow Cir, Runnymede Dr | $253,500 | $210,000 | $250,000-$300,000 | $465,000 | $400,000 | $500,000-$600,000 |
| Shannondale Rd, Kearneysville-Virginia Line Rd, E High St, Maryvale Dr, Hunting Horn, Co Rte 48/2, Mineral Springs Rd, Eldon Dr, Hilltop Trl, Huyett Rd | $125,500 | $110,000 | $100,000-$125,000 | $188,500 | $160,000 | $200,000-$250,000 |
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$173 | $786 |
| Superior Protection Discount | -$86 | $873 |
| Fire & Security Discount | -$77 | $882 |
| Hail Resistant Roof Discount | -$29 | $930 |
| Newly Constructed Home Discount | -$278 | $681 |
| 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 |
| Jefferson County | $1,000 | $948 | $1,948 | $689 | $1,689 | $259 |
| Jefferson County, WV | $1,000 | $948 | $1,948 | $689 | $1,689 | $259 |
| Shepherdstown, WV | $300 | $1,270 | $1,570 | $923 | $1,223 | $347 |
| Martinsburg, WV | $1,500 | $688 | $2,188 | $500 | $2,000 | $188 |
| Washington County, MD | $300 | $786 | $1,086 | $571 | $871 | $215 |
| Mount Aetna, MD | $2,500 | $1,115 | $3,615 | $811 | $3,311 | $305 |
| Back Creek, VA | $200 | $788 | $988 | $572 | $772 | $215 |
| Bartonsville, MD | $1,500 | $1,134 | $2,634 | $824 | $2,324 | $310 |
| Bull Run Mountain Estates, VA | $300 | $1,020 | $1,320 | $741 | $1,041 | $279 |
| Marshall, VA | $2,000 | $962 | $2,962 | $699 | $2,699 | $263 |
| Washington, PA | $200 | $695 | $895 | $505 | $705 | $190 |
| Home Insurance Company Jefferson County, WV | Homeowners Insurance Agency Jefferson County, WV | Address | Popularity Score | Distance from Jefferson County (miles) |
|---|---|---|---|---|
| State Farm | Tammy Sirbaugh | 217 Oak Lee Drive, Ranson, WV, 25438-4871 | 1.3 | |
| Erie | Insurance Outfitters | 7866 Martinsburg Pike, Shepherdstown, WV, 25443 | 9.1 | |
| Allstate | Amber Ritchie | 59 Ruland Rd Ste I, Kearneysville, WV, 25430 | 3.7 | |
| Nationwide | Jeff Jenkins | 127 Hovatter Drive, Inwood, WV, 25428-9998 | 10.1 | |
| Allstate | Greg Smith | 39 Meadow Ln, Martinsburg, WV, 25404 | 12.7 | |
| State Farm | Lana Shultz | 1119 S George St, Charles Town, WV, 25414-4433 | 2.1 | |
| Allstate | Louis J. Diguglielmo | 111 Topper Ave Ste 100, Ranson, WV, 25438 | 0.0 | |
| Allstate | Timothy B Close Agy | 1680 Valley Road, Berkeley Springs, WV, 25411 | 28.8 | |
| Erie | Fleming Insurance Agency Llc | 14840 Apple Harvest Drive, Martinsburg, WV, 25405 | 11.3 | |
| Nationwide | Jeffrey Mark Burnell Clu | 2433 Hedgesville Rd, Martinsburg, WV, 25403 | 16.0 |
| Place | Typical Home Value | Typical Home Insurance Costs | 25th Percentile | 75th Percentile | Potential Savings & Difference between 25th & 75th Percentile |
|---|---|---|---|---|---|
| West Virginia | $111,600 | $721 | $480 | $990 | $510 |
| Jefferson County, WV | $227,300 | $959 | $700 | $1,370 | $670 |
| Jefferson County, WV | $227,300 | $959 | $640 | $1,360 | $720 |
| Shepherdstown, WV | $350,000 | $1,285 | $890 | $1,790 | $900 |
| Martinsburg, WV | $149,800 | $696 | $510 | $970 | $460 |
| Washington County, MD | $205,300 | $795 | $630 | $1,000 | $370 |
| Mount Aetna, MD | $341,400 | $1,129 | $890 | $1,420 | $530 |
| Back Creek, VA | $253,900 | $797 | $580 | $1,120 | $540 |
| Bartonsville, MD | $347,700 | $1,148 | $910 | $1,450 | $540 |
| Bull Run Mountain Estates, VA | $321,700 | $1,032 | $710 | $1,460 | $750 |
| Marshall, VA | $446,400 | $974 | $670 | $1,350 | $680 |
| Washington, PA | $176,500 | $703 | $470 | $960 | $490 |