Gavop's guide to buying homeowners insurance in Calhoun County, 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 | $32,500 | $30,000 | $25,000-$50,000 |
| 2 Bedroom | $70,000 | $60,000 | $75,000-$100,000 |
| 3 Bedroom | $83,000 | $80,000 | $50,000-$75,000 |
| 4 Bedroom | $119,500 | $110,000 | $100,000-$125,000 |
| 5 Bedroom | $170,500 | $160,000 | $200,000-$250,000 |
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$126 | $576 |
| Superior Protection Discount | -$70 | $632 |
| Fire & Security Discount | -$49 | $653 |
| Hail Resistant Roof Discount | -$14 | $688 |
| Newly Constructed Home Discount | -$148 | $555 |
| 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 |
| Calhoun County | $1,000 | $694 | $1,694 | $504 | $1,504 | $190 |
| Calhoun County, WV | $2,500 | $694 | $3,194 | $504 | $3,004 | $190 |
| Pennsboro, WV | $100 | $512 | $612 | $372 | $472 | $140 |
| Hamilton, WV | $1,000 | $649 | $1,649 | $472 | $1,472 | $177 |
| Elkview, WV | $100 | $619 | $719 | $450 | $550 | $169 |
| Ravenswood, WV | $2,000 | $677 | $2,677 | $492 | $2,492 | $185 |
| Sissonville, WV | $300 | $645 | $945 | $469 | $769 | $176 |
| Parkersburg, WV | $1,500 | $613 | $2,113 | $446 | $1,946 | $168 |
| Third, WV | $700 | $623 | $1,323 | $453 | $1,153 | $170 |
| Buffalo-Union, WV | $400 | $653 | $1,053 | $475 | $875 | $179 |
| Southern, WV | $700 | $674 | $1,374 | $489 | $1,189 | $184 |
| Home Insurance Company Calhoun County, WV | Homeowners Insurance Agency Calhoun County, WV | Address | Popularity Score | Distance from Calhoun County (miles) |
|---|---|---|---|---|
| Erie | Kerby Insurance Agency Llc | 265 Ripley Road, Spencer, WV, 25276 | 13.5 | |
| State Farm | Bridget Smith | 20 Williams Dr Ste 3, Spencer, WV, 25276-1800 | 12.9 | |
| Allstate | Travis Foster | 127 Goff Mountain Rd, Cross Lanes, WV, 25313 | 47.0 | |
| Erie | Ashley Insurance Agency | P O Box 823, Spencer, WV, 25276 | 13.0 | |
| State Farm | Rob Bowers | 801 6th Ave, Saint Albans, WV, 25177-2918 | 50.0 | |
| State Farm | Norman Daniels | 417 E Main St, Spencer, WV, 25276-1612 | 12.4 | |
| Allstate | Kimberly Parker Francisco | 4626 Pennsylvania Ave, Charleston, WV, 25302 | 37.9 | |
| Allstate | Anne Underwood | 436 12th St, Dunbar, WV, 25064 | 47.3 | |
| State Farm | Bill Mangus | 801 Dunbar Ave, Dunbar, WV, 25064-3218 | 47.2 | |
| Allstate | Tresa L. Davis-Weir | 4848 Maccorkle Ave Sw, South Charleston, WV, 25309 | 47.4 |
| Place | Typical Home Value | Typical Home Insurance Costs | 25th Percentile | 75th Percentile | Potential Savings & Difference between 25th & 75th Percentile |
|---|---|---|---|---|---|
| West Virginia | $111,600 | $721 | $500 | $1,030 | $530 |
| Calhoun County, WV | $79,900 | $703 | $480 | $980 | $500 |
| Calhoun County, WV | $79,900 | $703 | $500 | $1,000 | $500 |
| Pennsboro, WV | $57,300 | $518 | $360 | $740 | $380 |
| Hamilton, WV | $92,400 | $657 | $470 | $930 | $460 |
| Elkview, WV | $84,100 | $627 | $430 | $900 | $470 |
| Ravenswood, WV | $100,500 | $685 | $460 | $980 | $520 |
| Sissonville, WV | $105,400 | $653 | $460 | $930 | $470 |
| Parkersburg, WV | $87,600 | $621 | $450 | $880 | $430 |
| Third, WV | $98,300 | $631 | $430 | $870 | $440 |
| Buffalo-Union, WV | $108,400 | $661 | $480 | $950 | $470 |
| Southern, WV | $115,400 | $682 | $460 | $960 | $500 |