Gavop shows you how to buy homeowners insurance in Hampshire 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.
| Hampshire County, WV - Neighbourhoods, Census Blocks & Streets | 3 Bedroom | 2 Bedroom | ||||
|---|---|---|---|---|---|---|
| Average Home Value | Estimated Replacement Value | Recommended Home Insurance Coverage | Average Home Value | Estimated Replacement Value | Recommended Home Insurance Coverage | |
| Marathon Pl, Woodland Ln, Jersey Mountain Rd, Co Rte 28/18, E Birch Ln, Kump Rd, Madie Streets Rd, E Ridge Loop, N River, Green 11/4 Ln | $129,000 | $110,000 | $125,000-$150,000 | $87,000 | $80,000 | $75,000-$100,000 |
| High Cliff Rd, 2 3rd St, Walnut Ln, River Bend Dr, E Ridge Loop Rd, Co Rd 11/1, Co Rte 13/6, Becks Gap, White Pine Ln, Elk Pl | $118,000 | $110,000 | $100,000-$125,000 | $107,000 | $100,000 | $100,000-$125,000 |
| Co Rte 45/17, Co Rte 13, Buffalo Ridge Rd, Valley Dr, Butternut Dr, Eastern Cedar Ct, Hottsville St, Harriott-Wapocomo Rd, W Gravel Ln, Greenspring | $145,000 | $120,000 | $100,000-$125,000 | $115,500 | $110,000 | $100,000-$125,000 |
| S Grafton St, Wild Turkey Trl, Cold Stream Rd, Warden Lake E Dr, Towson Ln, Peaceful Valley Ests, Whippoorwill Ln, Rio Hills Estates Rd, Co Rte 45/1, Long Rd | $167,500 | $150,000 | $150,000-$175,000 | $159,000 | $140,000 | $150,000-$175,000 |
| Loudan Dr, Sandy Ln, Shale Hill Dr, Woodland Way, Co Rte 1-1, Jordans Way, Monroe Rd, Brandy's Blvd, Stoney Mountain Overlook Rd, J R Rannells Rd | $137,500 | $130,000 | $150,000-$175,000 | $161,000 | $130,000 | $150,000-$175,000 |
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$114 | $554 |
| Superior Protection Discount | -$60 | $608 |
| Fire & Security Discount | -$67 | $601 |
| Hail Resistant Roof Discount | -$13 | $654 |
| Newly Constructed Home Discount | -$154 | $514 |
| 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 |
| Hampshire County | $1,000 | $660 | $1,660 | $479 | $1,479 | $180 |
| Hampshire County, WV | $2,500 | $660 | $3,160 | $479 | $2,979 | $180 |
| Midland, MD | $200 | $577 | $777 | $419 | $619 | $158 |
| Moscow, MD | $700 | $630 | $1,330 | $458 | $1,158 | $172 |
| Russell, VA | $500 | $1,130 | $1,630 | $821 | $1,321 | $309 |
| Shenandoah Shores, VA | $2,000 | $836 | $2,836 | $607 | $2,607 | $228 |
| Front Royal, VA | $500 | $711 | $1,211 | $517 | $1,017 | $194 |
| Middleway, WV | $700 | $793 | $1,493 | $576 | $1,276 | $217 |
| Buckmarsh, VA | $400 | $954 | $1,354 | $694 | $1,094 | $261 |
| Loch Lynn Heights, MD | $2,000 | $623 | $2,623 | $453 | $2,453 | $170 |
| Harpers Ferry, WV | $200 | $770 | $970 | $560 | $760 | $210 |
| Sandy Hook, MD | $1,500 | $642 | $2,142 | $467 | $1,967 | $176 |
| Home Insurance Company Hampshire County, WV | Homeowners Insurance Agency Hampshire County, WV | Address | Popularity Score | Distance from Hampshire County (miles) |
|---|---|---|---|---|
| State Farm | Tammy Sirbaugh | 217 Oak Lee Drive, Ranson, WV, 25438-4871 | 41.0 | |
| Erie | Hott Insurance & Financial Services Llc | 207 N Main Street, Petersburg, WV, 26847 | 35.1 | |
| Allstate | Joanna G Berg | 311 Aikens Ctr, Martinsburg, WV, 25404 | 37.0 | |
| Erie | Insurance Outfitters | 7866 Martinsburg Pike, Shepherdstown, WV, 25443 | 43.1 | |
| Allstate | Amber Ritchie | 59 Ruland Rd Ste I, Kearneysville, WV, 25430 | 40.3 | |
| State Farm | Lana Shultz | 1119 S George St, Charles Town, WV, 25414-4433 | 40.8 | |
| Allstate | Louis J. Diguglielmo | 111 Topper Ave Ste 100, Ranson, WV, 25438 | 40.1 | |
| State Farm | Kirk George | 417 Virginia Ave, Petersburg, WV, 26847-1719 | 34.9 | |
| State Farm | Hayward Wilson | Us Route 220 South, Keyser, WV, 26726 | 22.2 | |
| State Farm | Judy Ball | 334 S Main St, Moorefield, WV, 26836-1283 | 26.3 |
| 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 |
| Hampshire County, WV | $136,700 | $668 | $480 | $950 | $470 |
| Hampshire County, WV | $136,700 | $668 | $450 | $930 | $480 |
| Midland, MD | $74,700 | $584 | $460 | $740 | $280 |
| Moscow, MD | $102,500 | $638 | $500 | $800 | $300 |
| Russell, VA | $381,700 | $1,144 | $790 | $1,590 | $800 |
| Shenandoah Shores, VA | $187,500 | $846 | $580 | $1,160 | $580 |
| Front Royal, VA | $193,100 | $720 | $510 | $1,000 | $490 |
| Middleway, WV | $205,900 | $802 | $580 | $1,110 | $530 |
| Buckmarsh, VA | $268,200 | $966 | $650 | $1,360 | $710 |
| Loch Lynn Heights, MD | $98,600 | $631 | $500 | $800 | $300 |
| Harpers Ferry, WV | $192,900 | $780 | $570 | $1,100 | $530 |
| Sandy Hook, MD | $109,100 | $650 | $510 | $820 | $310 |