Gavop's guide to buying homeowners insurance in Putnam 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.
| Putnam 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 | |
| Saturn Way, Wellington Dr, Walker Dr, Dairy Rd, Etta St, Putnam Ave, Manila Cr Stumpy Cherry Fork Rd, Sulug Rd, Countryside Ests, Parkview Dr | $225,500 | $190,000 | $200,000-$250,000 | $239,000 | $200,000 | $200,000-$250,000 |
| Trail Dr, Kapps Ln, Stone Ridge Dr, Henderson Ave, Johnson Rd, Spruce Ln, Cline St, Allison Ln, Hemlock St, Ivywood St | $129,500 | $110,000 | $100,000-$125,000 | $253,000 | $240,000 | $250,000-$300,000 |
| Taylor Dr, Honeycutt Rd, Northwoods Dr, Co Rte 10/2, Co Rte 21, Co Rte 34/5, Wilkie Rd, Co Rte 24, Sleepy Hollow Dr, Eaton Pl | $94,000 | $80,000 | $75,000-$100,000 | $151,000 | $140,000 | $175,000-$200,000 |
| Bailes Dr, Tacketts Branch Rd, Smiley Dr, Shinn Ln, Co Rte 60/23, Putnam Ave, W Chestnut St, Northwest Way, Co Rte 34/31, Co Rte 60/3 | $96,500 | $80,000 | $75,000-$100,000 | $183,000 | $160,000 | $175,000-$200,000 |
| State Rte 62, Glen Oaks Ct, Quail Ct, Charles Ln, Co Rte 26/2, Circle Dr, Anchors Way, Co Rte 48, Ridgeview Ln, Church Camp Rd | $170,500 | $140,000 | $175,000-$200,000 | $171,000 | $160,000 | $175,000-$200,000 |
| Paul Rd, Sabre Dr, Red Rock Dr, Hampton Xing, Fox Run Rd, Smith Ln, Timberlake Cir, Decker Dr, Teays Valley Rd, Harmon Branch Rd | $221,000 | $210,000 | $200,000-$250,000 | $312,000 | $270,000 | $300,000-$350,000 |
| Rolling Meadows, Cabern Dr, 34th St, Woodclyffe Rd, Eagle Rd, Mount Vernon Ln, Arbaugh Dr, Birch, Percivale Ct, Cherry St | $333,000 | $290,000 | $250,000-$300,000 | $449,500 | $380,000 | $350,000-$400,000 |
| Walnut Dr, Marshall Rd, Poplar Estates Dr, Red Deer Dr, Clayton Ave, Co Rte 60/14, Charleys Creek Rd, Mount Union-Evergreen Rd, Oak Dr, Laurel Ridge Ln | $124,000 | $120,000 | $125,000-$150,000 | $205,500 | $170,000 | $175,000-$200,000 |
| Beech Hill Dr, Luikart Ridge, 2nd St, Eighteen Mile Creek, Conner Ave, Co Rte 27, Tucker Ridge Rd, Kilgore, River St, Circle Dr | $87,500 | $80,000 | $75,000-$100,000 | $182,000 | $150,000 | $150,000-$175,000 |
| Co Rte 13/1, Quarterhorse Dr, US Hwy 60, Sweetbriar, Mount Vernon Valley Rd, Co Rte 13/6, Country Ln, Hickory Knob Rd, High St, Cedar Dr | $154,000 | $130,000 | $150,000-$175,000 | $276,000 | $250,000 | $200,000-$250,000 |
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$140 | $683 |
| Superior Protection Discount | -$74 | $749 |
| Fire & Security Discount | -$58 | $765 |
| Hail Resistant Roof Discount | -$16 | $806 |
| Newly Constructed Home Discount | -$239 | $584 |
| 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 |
| Putnam County | $1,000 | $813 | $1,813 | $591 | $1,591 | $222 |
| Putnam County, WV | $1,000 | $813 | $1,813 | $591 | $1,591 | $222 |
| Buffalo, WV | $100 | $597 | $697 | $434 | $534 | $163 |
| Point Pleasant, WV | $2,500 | $608 | $3,108 | $442 | $2,942 | $166 |
| Letart, OH | $500 | $549 | $1,049 | $399 | $899 | $150 |
| Lavalette, WV | $1,500 | $582 | $2,082 | $423 | $1,923 | $159 |
| Sutton, OH | $400 | $578 | $978 | $420 | $820 | $158 |
| Rio Grande, OH | $2,000 | $727 | $2,727 | $528 | $2,528 | $199 |
| Sylvester, WV | $500 | $554 | $1,054 | $403 | $903 | $151 |
| Flatwoods-Russell, KY | $700 | $687 | $1,387 | $499 | $1,199 | $188 |
| Louisa, KY | $700 | $666 | $1,366 | $484 | $1,184 | $182 |
| Home Insurance Company Putnam County, WV | Homeowners Insurance Agency Putnam County, WV | Address | Popularity Score | Distance from Putnam County (miles) |
|---|---|---|---|---|
| Liberty Mutual Independent | Payne & Garlow Insurance | 3744 Teays Valley Rd Ste 101, Hurricane, WV, 25526 | 5.6 | |
| Liberty Mutual Independent | Payne & Garlow Insurance | 3744 Teays Valley Road Suite 101, Hurricane, WV, 25526 | 5.6 | |
| State Farm | Lori Mccown | 3550 Teays Valley Rd Ste 1, Hurricane, WV, 25526-9054 | 6.3 | |
| Allstate | Travis Foster | 127 Goff Mountain Rd, Cross Lanes, WV, 25313 | 8.8 | |
| Allstate | Beth Benson | 3845b Teays Valley Rd Ste 5, Hurricane, WV, 25526 | 5.6 | |
| Liberty Mutual | Jon Duggan | 112 Brent Way, Hurricane, WV, 25526 | 4.5 | |
| Liberty Mutual | Luke Sanson | 112 Brent Way, Hurricane, WV, 25526 | 4.5 | |
| State Farm | Rob Bowers | 801 6th Ave, Saint Albans, WV, 25177-2918 | 9.6 | |
| Liberty Mutual | Flo Jones | 112 Brent Way, Hurricane, WV, 25526 | 4.5 | |
| State Farm | Brandon Huffman | 5506 Big Tyler Road, Cross Lanes, WV, 25313 | 8.8 |
| 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 |
| Putnam County, WV | $157,500 | $823 | $580 | $1,170 | $590 |
| Putnam County, WV | $157,500 | $823 | $580 | $1,140 | $560 |
| Buffalo, WV | $78,100 | $604 | $400 | $840 | $440 |
| Point Pleasant, WV | $80,800 | $615 | $440 | $880 | $440 |
| Letart, OH | $77,500 | $556 | $380 | $800 | $420 |
| Lavalette, WV | $74,200 | $589 | $390 | $820 | $430 |
| Sutton, OH | $86,500 | $585 | $420 | $820 | $400 |
| Rio Grande, OH | $146,200 | $736 | $490 | $1,050 | $560 |
| Sylvester, WV | $67,300 | $561 | $400 | $790 | $390 |
| Flatwoods-Russell, KY | $110,800 | $696 | $490 | $980 | $490 |
| Louisa, KY | $104,300 | $675 | $450 | $960 | $510 |