Gavop shows you how to buy homeowners insurance in Teays Valley, 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 | $83,000 | $80,000 | $75,000-$100,000 |
| 2 Bedroom | $160,000 | $140,000 | $175,000-$200,000 |
| 3 Bedroom | $166,500 | $160,000 | $150,000-$175,000 |
| 4 Bedroom | $368,500 | $320,000 | $350,000-$400,000 |
| 5 Bedroom | $251,000 | $220,000 | $250,000-$300,000 |
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$147 | $672 |
| Superior Protection Discount | -$82 | $737 |
| Fire & Security Discount | -$57 | $762 |
| Hail Resistant Roof Discount | -$25 | $794 |
| Newly Constructed Home Discount | -$238 | $581 |
| 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 | $700 | $813 | $1,513 | $591 | $1,291 | $222 |
| Teays Valley, WV | $2,000 | $809 | $2,809 | $588 | $2,588 | $221 |
| Charleston, WV | $100 | $794 | $894 | $577 | $677 | $217 |
| Guyan, OH | $500 | $586 | $1,086 | $426 | $926 | $160 |
| Point Pleasant, WV | $2,500 | $608 | $3,108 | $442 | $2,942 | $166 |
| Gallipolis, OH | $300 | $644 | $944 | $468 | $768 | $176 |
| Gallia County, OH | $2,000 | $607 | $2,607 | $441 | $2,441 | $166 |
| Fayette, OH | $500 | $608 | $1,108 | $442 | $942 | $166 |
| Flatwoods-Russell, KY | $2,000 | $687 | $2,687 | $499 | $2,499 | $188 |
| Charlton Heights, WV | $100 | $690 | $790 | $501 | $601 | $188 |
| Home Insurance Company Teays Valley, WV | Homeowners Insurance Agency Teays Valley, WV | Address | Popularity Score | Distance from Teays Valley (miles) |
|---|---|---|---|---|
| Liberty Mutual Independent | Payne & Garlow Insurance | 3744 Teays Valley Rd Ste 101, Hurricane, WV, 25526 | 2.5 | |
| Liberty Mutual Independent | Payne & Garlow Insurance | 3744 Teays Valley Road Suite 101, Hurricane, WV, 25526 | 2.5 | |
| State Farm | Lori Mccown | 3550 Teays Valley Rd Ste 1, Hurricane, WV, 25526-9054 | 3.3 | |
| Allstate | Travis Foster | 127 Goff Mountain Rd, Cross Lanes, WV, 25313 | 7.4 | |
| State Farm | Mick Hager | 120 Walnut St, Saint Albans, WV, 25177-2040 | 7.8 | |
| Liberty Mutual | Melissa Oxley | 112 Brent Way, Hurricane, WV, 25526 | 1.1 | |
| Liberty Mutual | Luke Sanson | 112 Brent Way, Hurricane, WV, 25526 | 1.1 | |
| State Farm | Rob Bowers | 801 6th Ave, Saint Albans, WV, 25177-2918 | 6.7 | |
| Liberty Mutual | Flo Jones | 112 Brent Way, Hurricane, WV, 25526 | 1.1 | |
| Liberty Mutual | Mark A. Truelove | 112 Brent Way, Hurricane, WV, 25526 | 1.1 |
| 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 | $1,020 | $510 |
| Putnam County, WV | $157,500 | $823 | $580 | $1,140 | $560 |
| Teays Valley, WV | $215,700 | $819 | $550 | $1,170 | $620 |
| Charleston, WV | $149,800 | $804 | $550 | $1,110 | $560 |
| Guyan, OH | $89,100 | $593 | $410 | $810 | $400 |
| Point Pleasant, WV | $80,800 | $615 | $420 | $840 | $420 |
| Gallipolis, OH | $130,300 | $652 | $480 | $890 | $410 |
| Gallia County, OH | $103,200 | $614 | $410 | $850 | $440 |
| Fayette, OH | $114,200 | $616 | $420 | $870 | $450 |
| Flatwoods-Russell, KY | $110,800 | $696 | $510 | $950 | $440 |
| Charlton Heights, WV | $104,400 | $698 | $500 | $960 | $460 |