Gavop's guide to buying homeowners insurance in Westmoreland, 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.
| Westmoreland, 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 | |
| Brentwood Terrace Rd, Carson St, Craig Rd, Co Hwy 52/54, Wayne St, Hall St, Co Hwy 6/1, Cliff Woods Dr, Pinto Ln, Coal Branch Rd | $157,500 | $130,000 | $150,000-$175,000 | $120,500 | $110,000 | $100,000-$125,000 |
| Co Hwy 75/19, Sky Oak Dr, Norfolk Ave, Hatfield Branch, Hubbards Branch Rd, Right Fork of Garretts Creek, Hidden Valley, Broadhollow Rd, State Rte 75, Dunroven | $132,000 | $120,000 | $100,000-$125,000 | $111,000 | $90,000 | $100,000-$125,000 |
| Co Hwy 7/9, Scott Dr, Alabama St, Wayne Ave, Florence St, 29th St W, East Rd, Perdue Dr, Pioneer Ests, Lotus Dr | $98,500 | $80,000 | $100,000-$125,000 | $64,000 | $50,000 | $75,000-$100,000 |
| Cole Branch Rd, Parkside Pl, Vista Crest Dr, Co Hwy 52/43, Twin Vw, Right Fork Hutchinson Branch, Dicubamb Creek Rd, Bluefield St, Co Hwy 7/1, Left Fork Bobs Branch | $147,500 | $130,000 | $100,000-$125,000 | $107,500 | $100,000 | $100,000-$125,000 |
| Garretts Creek, Co Hwy 7/3, Co Hwy 8/1, Donna Hts, Co Hwy 911, Newcomb Creek Rd, Brooks Dr, Ivy Hill Dr, Bowman Hill Rd, Waverly Rd | $97,500 | $80,000 | $100,000-$125,000 | $85,500 | $70,000 | $75,000-$100,000 |
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$120 | $545 |
| Superior Protection Discount | -$60 | $605 |
| Fire & Security Discount | -$47 | $618 |
| Hail Resistant Roof Discount | -$13 | $652 |
| Newly Constructed Home Discount | -$160 | $505 |
| 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 |
| Wayne County | $1,000 | $624 | $1,624 | $453 | $1,453 | $170 |
| Westmoreland, WV | $2,000 | $657 | $2,657 | $477 | $2,477 | $180 |
| Huntington, WV | $400 | $639 | $1,039 | $465 | $865 | $175 |
| Wurtland, KY | $1,500 | $717 | $2,217 | $521 | $2,021 | $196 |
| Hannan, WV | $100 | $609 | $709 | $442 | $542 | $166 |
| Lincoln County, WV | $1,500 | $700 | $2,200 | $509 | $2,009 | $191 |
| Scott, WV | $200 | $724 | $924 | $526 | $726 | $198 |
| South Shore, KY | $700 | $718 | $1,418 | $522 | $1,222 | $196 |
| Poca, WV | $400 | $813 | $1,213 | $591 | $991 | $222 |
| Johnson County, KY | $700 | $685 | $1,385 | $497 | $1,197 | $187 |
| Auxier, KY | $400 | $673 | $1,073 | $489 | $889 | $184 |
| Graham, WV | $2,500 | $592 | $3,092 | $430 | $2,930 | $162 |
| Home Insurance Company Westmoreland, WV | Homeowners Insurance Agency Westmoreland, WV | Address | Popularity Score | Distance from Westmoreland (miles) |
|---|---|---|---|---|
| State Farm | Tyler Bullington | 4640 Us Route 60 Ste 3, Huntington, WV, 25705-1968 | 7.8 | |
| State Farm | Ray Crabtree | 179 Eastern Heights Shp Ctr, Huntington, WV, 25705 | 7.1 | |
| Erie | Gesner Insurance Agency Inc. | 526 6th Avenue, Huntington, WV, 25701 | 3.8 | |
| Allstate | Timothy White | 630 7th St, Huntington, WV, 25701 | 3.9 | |
| Erie | Lipscomb Tomblin Insurance Agency | 5199c Yeich Avenue, Huntington, WV, 25705 | 8.5 | |
| State Farm | Jason Moore | 302 Main St Ste A, Ceredo, WV, 25507 | 3.9 | |
| State Farm | Jim Moreland | 512 Adams Ave, Huntington, WV, 25701-1030 | 3.3 | |
| State Farm | Patty Edwards | W, Ceredo, WV, 25507 | 4.0 | |
| State Farm | Vicki Tabor | 9210 Rt 152, Wayne, WV, 25570 | 8.7 | |
| Nationwide | Todd Andrew Boggs | 2961 Piedmont Rd, Huntington, WV, 25704-2727 | 2.0 |
| Place | Typical Home Value | Typical Home Insurance Costs | 25th Percentile | 75th Percentile | Potential Savings & Difference between 25th & 75th Percentile |
|---|---|---|---|---|---|
| West Virginia | $111,600 | $721 | $490 | $1,030 | $540 |
| Wayne County, WV | $90,600 | $631 | $460 | $870 | $410 |
| Westmoreland, WV | $109,600 | $665 | $490 | $940 | $450 |
| Huntington, WV | $95,200 | $647 | $430 | $920 | $490 |
| Wurtland, KY | $120,500 | $726 | $530 | $1,020 | $490 |
| Hannan, WV | $81,100 | $616 | $450 | $840 | $390 |
| Lincoln County, WV | $82,000 | $709 | $470 | $1,010 | $540 |
| Scott, WV | $167,500 | $732 | $520 | $1,040 | $520 |
| South Shore, KY | $86,200 | $727 | $500 | $1,030 | $530 |
| Poca, WV | $147,500 | $823 | $560 | $1,140 | $580 |
| Johnson County, KY | $90,300 | $693 | $490 | $980 | $490 |
| Auxier, KY | $76,300 | $681 | $500 | $970 | $470 |
| Graham, WV | $76,800 | $599 | $400 | $840 | $440 |