Gavop's guide to buying homeowners insurance in Braxton 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 | $35,500 | $30,000 | $25,000-$50,000 |
| 2 Bedroom | $111,500 | $90,000 | $75,000-$100,000 |
| 3 Bedroom | $81,000 | $70,000 | $75,000-$100,000 |
| 4 Bedroom | $178,000 | $160,000 | $175,000-$200,000 |
| 5 Bedroom | $281,500 | $250,000 | $250,000-$300,000 |
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$115 | $492 |
| Superior Protection Discount | -$55 | $553 |
| Fire & Security Discount | -$49 | $559 |
| Hail Resistant Roof Discount | -$18 | $589 |
| Newly Constructed Home Discount | -$134 | $474 |
| 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 |
| Braxton County | $1,000 | $600 | $1,600 | $436 | $1,436 | $164 |
| Braxton County, WV | $2,500 | $600 | $3,100 | $436 | $2,936 | $164 |
| Calhoun County, WV | $300 | $694 | $994 | $504 | $804 | $190 |
| Weston, WV | $2,000 | $580 | $2,580 | $421 | $2,421 | $158 |
| Kentucky, WV | $200 | $641 | $841 | $466 | $666 | $175 |
| Fenwick, WV | $1,500 | $473 | $1,973 | $344 | $1,844 | $129 |
| Second, WV | $100 | $664 | $764 | $483 | $583 | $182 |
| Pine, WV | $2,500 | $698 | $3,198 | $507 | $3,007 | $191 |
| Southwest, WV | $500 | $670 | $1,170 | $487 | $987 | $183 |
| Roaring Creek, WV | $2,000 | $626 | $2,626 | $455 | $2,455 | $171 |
| Harrison County, WV | $400 | $686 | $1,086 | $499 | $899 | $188 |
| Elkins, WV | $2,500 | $670 | $3,170 | $487 | $2,987 | $183 |
| Home Insurance Company Braxton County, WV | Homeowners Insurance Agency Braxton County, WV | Address | Popularity Score | Distance from Braxton County (miles) |
|---|---|---|---|---|
| State Farm | Bridget Smith | 20 Williams Dr Ste 3, Spencer, WV, 25276-1800 | 34.0 | |
| Erie | Kerby Insurance Agency Llc | 265 Ripley Road, Spencer, WV, 25276 | 34.7 | |
| Liberty Mutual Independent | Morgan Insurance. | 103 Fayette Ave, Fayetteville, WV, 25840 | 48.9 | |
| State Farm | Dean Jeffries | 85 Credes Lndg, Elkview, WV, 25071-8168 | 44.6 | |
| Erie | Summit Insurance Agency Llc | 211 N Court Street, Fayetteville, WV, 25840 | 48.9 | |
| State Farm | Darren Jackson | 204 8th St, Marlinton, WV, 24954-1031 | 47.7 | |
| Erie | Ashley Insurance Agency | P O Box 823, Spencer, WV, 25276 | 34.2 | |
| State Farm | Timothy Hopkins | 2279 Main Street, Clay, WV, 25043-7001 | 24.7 | |
| Allstate | Kimberly Parker Francisco | 4626 Pennsylvania Ave, Charleston, WV, 25302 | 48.1 | |
| Erie | Elkview Insurance Agency | 2 Reynolds Avenue, Elkview, WV, 25071 | 44.2 |
| 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 | $990 | $480 |
| Braxton County, WV | $91,100 | $607 | $430 | $860 | $430 |
| Braxton County, WV | $91,100 | $607 | $440 | $860 | $420 |
| Calhoun County, WV | $79,900 | $703 | $480 | $990 | $510 |
| Weston, WV | $73,800 | $587 | $410 | $800 | $390 |
| Kentucky, WV | $90,100 | $649 | $430 | $920 | $490 |
| Fenwick, WV | $48,800 | $479 | $330 | $680 | $350 |
| Second, WV | $112,000 | $672 | $460 | $950 | $490 |
| Pine, WV | $106,900 | $706 | $520 | $1,010 | $490 |
| Southwest, WV | $98,500 | $678 | $470 | $940 | $470 |
| Roaring Creek, WV | $86,100 | $634 | $450 | $870 | $420 |
| Harrison County, WV | $110,000 | $695 | $500 | $970 | $470 |
| Elkins, WV | $113,900 | $678 | $470 | $960 | $490 |