Gavop's guide to buying homeowners insurance in Scott, 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 | $48,000 | $40,000 | $25,000-$50,000 |
| 2 Bedroom | $138,000 | $120,000 | $125,000-$150,000 |
| 3 Bedroom | $143,000 | $130,000 | $150,000-$175,000 |
| 4 Bedroom | $167,500 | $140,000 | $175,000-$200,000 |
| 5 Bedroom | $411,000 | $360,000 | $400,000-$500,000 |
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$103 | $630 |
| Superior Protection Discount | -$73 | $659 |
| Fire & Security Discount | -$51 | $681 |
| Hail Resistant Roof Discount | -$22 | $711 |
| Newly Constructed Home Discount | -$190 | $542 |
| 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 | $2,000 | $813 | $2,813 | $591 | $2,591 | $222 |
| Scott, WV | $2,500 | $724 | $3,224 | $526 | $3,026 | $198 |
| Pocatalico, WV | $500 | $653 | $1,153 | $475 | $975 | $179 |
| Barboursville, WV | $2,000 | $792 | $2,792 | $576 | $2,576 | $217 |
| Jackson County, WV | $300 | $668 | $968 | $485 | $785 | $183 |
| Racine, WV | $1,500 | $595 | $2,095 | $432 | $1,932 | $163 |
| Waggener, WV | $500 | $545 | $1,045 | $396 | $896 | $149 |
| Boomer, WV | $2,500 | $524 | $3,024 | $381 | $2,881 | $143 |
| Boyd County, KY | $100 | $769 | $869 | $559 | $659 | $210 |
| Stollings, WV | $1,500 | $498 | $1,998 | $362 | $1,862 | $136 |
| Kermit Harvey, WV | $200 | $551 | $751 | $401 | $601 | $151 |
| Elizabeth, WV | $1,000 | $510 | $1,510 | $370 | $1,370 | $139 |
| Home Insurance Company Scott, WV | Homeowners Insurance Agency Scott, WV | Address | Popularity Score | Distance from Scott (miles) |
|---|---|---|---|---|
| Liberty Mutual Independent | Payne & Garlow Insurance | 3744 Teays Valley Rd Ste 101, Hurricane, WV, 25526 | 4.9 | |
| State Farm | Lori Mccown | 3550 Teays Valley Rd Ste 1, Hurricane, WV, 25526-9054 | 5.7 | |
| Allstate | Travis Foster | 127 Goff Mountain Rd, Cross Lanes, WV, 25313 | 7.8 | |
| Allstate | Beth Benson | 3845b Teays Valley Rd Ste 5, Hurricane, WV, 25526 | 4.8 | |
| State Farm | Mick Hager | 120 Walnut St, Saint Albans, WV, 25177-2040 | 9.2 | |
| Liberty Mutual | Jon Duggan | 112 Brent Way, Hurricane, WV, 25526 | 3.6 | |
| Liberty Mutual | Luke Sanson | 112 Brent Way, Hurricane, WV, 25526 | 3.6 | |
| State Farm | Rob Bowers | 801 6th Ave, Saint Albans, WV, 25177-2918 | 8.4 | |
| Liberty Mutual | Mark A. Truelove | 112 Brent Way, Hurricane, WV, 25526 | 3.6 | |
| State Farm | Brandon Huffman | 5506 Big Tyler Road, Cross Lanes, WV, 25313 | 7.8 |
| Place | Typical Home Value | Typical Home Insurance Costs | 25th Percentile | 75th Percentile | Potential Savings & Difference between 25th & 75th Percentile |
|---|---|---|---|---|---|
| West Virginia | $111,600 | $721 | $510 | $1,000 | $490 |
| Putnam County, WV | $157,500 | $823 | $560 | $1,160 | $600 |
| Scott, WV | $167,500 | $732 | $520 | $1,050 | $530 |
| Pocatalico, WV | $108,300 | $661 | $470 | $930 | $460 |
| Barboursville, WV | $139,300 | $802 | $580 | $1,100 | $520 |
| Jackson County, WV | $113,300 | $676 | $490 | $950 | $460 |
| Racine, WV | $77,600 | $602 | $430 | $840 | $410 |
| Waggener, WV | $65,300 | $552 | $400 | $790 | $390 |
| Boomer, WV | $60,100 | $530 | $360 | $760 | $400 |
| Boyd County, KY | $103,900 | $778 | $560 | $1,100 | $540 |
| Stollings, WV | $54,200 | $504 | $340 | $710 | $370 |
| Kermit Harvey, WV | $66,600 | $558 | $400 | $800 | $400 |
| Elizabeth, WV | $56,900 | $516 | $380 | $740 | $360 |