Gavop shows you how to buy homeowners insurance in Morgan 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 | $58,500 | $50,000 | $50,000-$75,000 |
| 2 Bedroom | $151,000 | $130,000 | $125,000-$150,000 |
| 3 Bedroom | $182,500 | $160,000 | $150,000-$175,000 |
| 4 Bedroom | $328,500 | $300,000 | $250,000-$300,000 |
| 5 Bedroom | $252,500 | $210,000 | $200,000-$250,000 |
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$126 | $613 |
| Superior Protection Discount | -$66 | $672 |
| Fire & Security Discount | -$74 | $665 |
| Hail Resistant Roof Discount | -$22 | $716 |
| Newly Constructed Home Discount | -$170 | $569 |
| 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 |
| Morgan County | $700 | $729 | $1,429 | $530 | $1,230 | $199 |
| Morgan County, WV | $1,500 | $729 | $2,229 | $530 | $2,030 | $199 |
| Gore, WV | $500 | $766 | $1,266 | $556 | $1,056 | $209 |
| Wilson-Conococheague, MD | $2,500 | $747 | $3,247 | $543 | $3,043 | $204 |
| Brush Creek, PA | $100 | $701 | $801 | $510 | $610 | $192 |
| Cumberland, MD | $2,000 | $814 | $2,814 | $592 | $2,592 | $223 |
| Cresaptown, MD | $100 | $700 | $800 | $509 | $609 | $191 |
| Beaver Creek, MD | $1,500 | $1,404 | $2,904 | $1,020 | $2,520 | $384 |
| Frostburg, MD | $200 | $669 | $869 | $486 | $686 | $183 |
| Toms Brook, VA | $700 | $766 | $1,466 | $556 | $1,256 | $209 |
| Indian Lake, PA | $500 | $923 | $1,423 | $671 | $1,171 | $252 |
| Shade, PA | $1,500 | $526 | $2,026 | $382 | $1,882 | $144 |
| Home Insurance Company Morgan County, WV | Homeowners Insurance Agency Morgan County, WV | Address | Popularity Score | Distance from Morgan County (miles) |
|---|---|---|---|---|
| Erie | Smallwood & Small Insurance | 121 Administrative Drive Suite 200, Martinsburg, WV, 25404 | 16.8 | |
| State Farm | Pam Neely | 5724 Hammonds Mill Rd Ste D, Martinsburg, WV, 25404-6481 | 18.7 | |
| State Farm | Kay Lewis | 1885 Edwin Miller Blvd, Martinsburg, WV, 25404-7572 | 16.6 | |
| State Farm | Lana Shultz | 1119 S George St, Charles Town, WV, 25414-4433 | 28.9 | |
| State Farm | Jerry Williams | 1885 Edwin Miller Blvd, Martinsburg, WV, 25404-7572 | 16.6 | |
| State Farm | Dawn Newland | 1664 Winchester Ave Ste 4, Martinsburg, WV, 25405-3881 | 16.7 | |
| State Farm | Dave Piepenbrink | 15 Hovatter Dr, Inwood, WV, 25428 | 17.8 | |
| Allstate | Timothy B Close Agy | 1680 Valley Road, Berkeley Springs, WV, 25411 | 3.8 | |
| Erie | Fleming Insurance Agency Llc | 14840 Apple Harvest Drive, Martinsburg, WV, 25405 | 16.6 | |
| State Farm | Eric Gates | 1802 W King St, Martinsburg, WV, 25401-2004 | 15.7 |
| Place | Typical Home Value | Typical Home Insurance Costs | 25th Percentile | 75th Percentile | Potential Savings & Difference between 25th & 75th Percentile |
|---|---|---|---|---|---|
| West Virginia | $111,600 | $721 | $500 | $1,020 | $520 |
| Morgan County, WV | $170,600 | $738 | $530 | $1,020 | $490 |
| Morgan County, WV | $170,600 | $738 | $520 | $1,040 | $520 |
| Gore, WV | $129,400 | $775 | $550 | $1,070 | $520 |
| Wilson-Conococheague, MD | $168,800 | $756 | $600 | $950 | $350 |
| Brush Creek, PA | $152,400 | $710 | $480 | $980 | $500 |
| Cumberland, MD | $89,600 | $824 | $650 | $1,040 | $390 |
| Cresaptown, MD | $141,900 | $709 | $560 | $890 | $330 |
| Beaver Creek, MD | $422,200 | $1,421 | $1,120 | $1,790 | $670 |
| Frostburg, MD | $152,800 | $677 | $530 | $850 | $320 |
| Toms Brook, VA | $158,500 | $775 | $530 | $1,110 | $580 |
| Indian Lake, PA | $270,600 | $934 | $640 | $1,330 | $690 |
| Shade, PA | $76,600 | $532 | $360 | $750 | $390 |