Gavop's guide to buying homeowners insurance in First, 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.
| Bundling Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Newly Constructed Home | -$163 | $489 |
| 30 year old | +$10 | $662 |
| 40 year old | +$17 | $669 |
| 50 year old | +$25 | $677 |
| Above 50 year old | +$31 | $683 |
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$98 | $554 |
| Superior Protection Discount | -$65 | $587 |
| Fire & Security Discount | -$72 | $580 |
| Hail Resistant Roof Discount | -$13 | $639 |
| Newly Constructed Home Discount | -$137 | $515 |
| 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 |
| Upshur County | $700 | $663 | $1,363 | $482 | $1,182 | $181 |
| First, WV | $700 | $644 | $1,344 | $468 | $1,168 | $176 |
| Hackers Creek-Skin Creek, WV | $200 | $785 | $985 | $571 | $771 | $215 |
| Lost Creek, WV | $2,500 | $657 | $3,157 | $477 | $2,977 | $180 |
| Courthouse-Collins Settlement, WV | $400 | $700 | $1,100 | $509 | $909 | $191 |
| West Milford, WV | $1,500 | $640 | $2,140 | $465 | $1,965 | $175 |
| Wolf Summit, WV | $200 | $626 | $826 | $455 | $655 | $171 |
| Randolph County, WV | $700 | $628 | $1,328 | $456 | $1,156 | $172 |
| Braxton County, WV | $300 | $600 | $900 | $436 | $736 | $164 |
| Durbin, WV | $2,000 | $524 | $2,524 | $381 | $2,381 | $143 |
| Fourth, WV | $700 | $614 | $1,314 | $446 | $1,146 | $168 |
| Home Insurance Company First, WV | Homeowners Insurance Agency First, WV | Address | Popularity Score | Distance from First (miles) |
|---|---|---|---|---|
| Erie | Cvechko Insurance Services | 16356 Barbour County Hwy, Philippi, WV, 26416 | 19.2 | |
| Allstate | Erin Knippenberg | 1201 E Pike St, Clarksburg, WV, 26302 | 20.0 | |
| Allstate | Mark Scott | 1b College Ave, Buckhannon, WV, 26201 | 2.5 | |
| Nationwide | Insurance For Less | 126 Marshall St, Clarksburg, WV, 26301-2264 | 19.6 | |
| State Farm | Jenny Garton | 51 Circle Heights Rd, Weston, WV, 26452-8338 | 9.2 | |
| State Farm | Sharon Sabo | 830 Route 20 South Rd., Buckhannon, WV, 26201-3910 | 2.5 | |
| State Farm | Kelley Tierney | 115 E Main St, Buckhannon, WV, 26201-2735 | 2.6 | |
| State Farm | Mike Kroll | Rt 250 S, Philippi, WV, 26416 | 18.9 | |
| Erie | Betterway Insurance Center | 6 Weston Road, Buckhannon, WV, 26201 | 1.9 | |
| Nationwide | Rcb Llc | 100 N Elk St, Gassaway, WV, 26624-1121 | 34.6 |
| Place | Typical Home Value | Typical Home Insurance Costs | 25th Percentile | 75th Percentile | Potential Savings & Difference between 25th & 75th Percentile |
|---|---|---|---|---|---|
| West Virginia | $111,600 | $721 | $520 | $1,030 | $510 |
| Upshur County, WV | $111,900 | $671 | $490 | $950 | $460 |
| First, WV | $129,900 | $652 | $450 | $900 | $450 |
| Hackers Creek-Skin Creek, WV | $136,800 | $795 | $530 | $1,090 | $560 |
| Lost Creek, WV | $94,700 | $665 | $470 | $940 | $470 |
| Courthouse-Collins Settlement, WV | $68,400 | $709 | $480 | $1,010 | $530 |
| West Milford, WV | $89,700 | $648 | $470 | $900 | $430 |
| Wolf Summit, WV | $86,000 | $634 | $420 | $870 | $450 |
| Randolph County, WV | $99,800 | $635 | $430 | $880 | $450 |
| Braxton County, WV | $91,100 | $607 | $430 | $870 | $440 |
| Durbin, WV | $60,000 | $530 | $380 | $750 | $370 |
| Fourth, WV | $95,600 | $621 | $420 | $860 | $440 |