Gavop shows you how to buy homeowners insurance in Lincoln County, 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 | $47,000 | $40,000 | $25,000-$50,000 |
| 2 Bedroom | $83,500 | $70,000 | $50,000-$75,000 |
| 3 Bedroom | $127,000 | $110,000 | $125,000-$150,000 |
| 4 Bedroom | $129,500 | $120,000 | $125,000-$150,000 |
| 5 Bedroom | $241,500 | $220,000 | $250,000-$300,000 |
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$120 | $588 |
| Superior Protection Discount | -$71 | $638 |
| Fire & Security Discount | -$50 | $659 |
| Hail Resistant Roof Discount | -$14 | $694 |
| Newly Constructed Home Discount | -$184 | $524 |
| 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 |
| Lincoln County | $1,500 | $700 | $2,200 | $509 | $2,009 | $191 |
| Lincoln County, WV | $2,000 | $700 | $2,700 | $509 | $2,509 | $191 |
| Harts, WV | $100 | $612 | $712 | $444 | $544 | $167 |
| Alum Creek, WV | $2,000 | $815 | $2,815 | $592 | $2,592 | $223 |
| Cabell County, WV | $100 | $716 | $816 | $520 | $620 | $196 |
| Dunbar, WV | $700 | $606 | $1,306 | $440 | $1,140 | $165 |
| Racine, WV | $100 | $595 | $695 | $432 | $532 | $163 |
| Logan County, WV | $2,500 | $607 | $3,107 | $441 | $2,941 | $166 |
| Athalia, OH | $100 | $629 | $729 | $457 | $557 | $172 |
| Coal Fork, WV | $1,500 | $638 | $2,138 | $464 | $1,964 | $174 |
| Lawrence County, OH | $200 | $602 | $802 | $437 | $637 | $164 |
| McCarr, KY | $1,000 | $550 | $1,550 | $400 | $1,400 | $150 |
| Home Insurance Company Lincoln County, WV | Homeowners Insurance Agency Lincoln County, WV | Address | Popularity Score | Distance from Lincoln County (miles) |
|---|---|---|---|---|
| Liberty Mutual Independent | Payne & Garlow Insurance | 3744 Teays Valley Rd Ste 101, Hurricane, WV, 25526 | 19.8 | |
| State Farm | Tad Tomblin | 221 Mayors Ln, Hamlin, WV, 25523-1544 | 7.3 | |
| Liberty Mutual Independent | Payne & Garlow Insurance | 3744 Teays Valley Road Suite 101, Hurricane, WV, 25526 | 19.8 | |
| State Farm | Scott Amburgey | 265 Main St Ste A, Chapmanville, WV, 25508-5004 | 14.4 | |
| Nationwide | Hatfield Insurance Agency Llc | 14 Perry Morris Sq, Milton, WV, 25541 | 18.5 | |
| State Farm | Ray Crabtree | 179 Eastern Heights Shp Ctr, Huntington, WV, 25705 | 22.7 | |
| Allstate | Lovejoy & Quintrell | Po Box 9, West Hamlin, WV, 25571 | 10.2 | |
| Allstate | Beth Benson | 3845b Teays Valley Rd Ste 5, Hurricane, WV, 25526 | 19.9 | |
| Allstate | Timothy White | 630 7th St, Huntington, WV, 25701 | 26.2 | |
| Allstate | Lyn Cheslick | 2939 Virginia Ave Ste 2000, Hurricane, WV, 25526 | 18.4 |
| 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 | $1,030 | $520 |
| Lincoln County, WV | $82,000 | $709 | $500 | $980 | $480 |
| Lincoln County, WV | $82,000 | $709 | $500 | $980 | $480 |
| Harts, WV | $82,100 | $619 | $440 | $890 | $450 |
| Alum Creek, WV | $148,100 | $825 | $570 | $1,170 | $600 |
| Cabell County, WV | $119,800 | $725 | $520 | $1,030 | $510 |
| Dunbar, WV | $92,800 | $613 | $420 | $870 | $450 |
| Racine, WV | $77,600 | $602 | $400 | $860 | $460 |
| Logan County, WV | $85,800 | $614 | $420 | $840 | $420 |
| Athalia, OH | $104,800 | $637 | $440 | $900 | $460 |
| Coal Fork, WV | $89,400 | $646 | $450 | $920 | $470 |
| Lawrence County, OH | $101,500 | $609 | $440 | $870 | $430 |
| McCarr, KY | $52,700 | $557 | $380 | $770 | $390 |