Gavop's guide to buying homeowners insurance in South Charleston, 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 | $42,000 | $40,000 | $25,000-$50,000 |
| 2 Bedroom | $108,000 | $100,000 | $75,000-$100,000 |
| 3 Bedroom | $135,000 | $130,000 | $125,000-$150,000 |
| 4 Bedroom | $153,000 | $140,000 | $125,000-$150,000 |
| 5 Bedroom | $103,000 | $100,000 | $100,000-$125,000 |
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$111 | $581 |
| Superior Protection Discount | -$62 | $630 |
| Fire & Security Discount | -$48 | $643 |
| Hail Resistant Roof Discount | -$14 | $678 |
| Newly Constructed Home Discount | -$145 | $547 |
| Claim Type | Average Claim Cost |
|---|---|
| General Claims | |
| Water Damage | $6,337 |
| Physical Damage | $2,392 |
| Hail Damage | $4,618 |
| Wind Damage | $6,178 |
| Expensive Claims | |
| Fire | $46,016 |
| Smoke | $16,218 |
| Home Insurance Company South Charleston, WV | Homeowners Insurance Agency South Charleston, WV | Address | Popularity Score | Distance from South Charleston (miles) |
|---|---|---|---|---|
| State Farm | Mick Hager | 120 Walnut St, Saint Albans, WV, 25177-2040 | 5.9 | |
| State Farm | Brandon Huffman | 5506 Big Tyler Road, Cross Lanes, WV, 25313 | 6.8 | |
| Allstate | David Kline | 424 Maccorkle Ave Sw, South Charleston, WV, 25303 | 1.6 | |
| Allstate | James Beheler | 203 B St, Saint Albans, WV, 25177 | 7.7 | |
| State Farm | Jim Triplett | 1198 Fledderjohn Rd, Charleston, WV, 25314-4210 | 1.6 | |
| State Farm | Terry Bowe | 401 58th St Se, Charleston, WV, 25304-2801 | 8.2 | |
| State Farm | Scott Whorton | 4801 Mccorkle Ave Se, Charleston, WV, 25304-1948 | 7.1 | |
| State Farm | Tom Midkiff | 11878 Winfield Rd, Winfield, WV, 25213-7914 | 9.9 | |
| Liberty Mutual Independent | Payne & Garlow Insurance | 1217 Quarrier St, Charleston, WV, 25301 | 4.2 | |
| State Farm | David Smyer | 1615 Kanawha Blvd W, Charleston, WV, 25387-2535 | 2.5 |
| Place | Typical Home Value | Typical Home Insurance Costs | 25th Percentile | 75th Percentile | Potential Savings & Difference between 25th & 75th Percentile |
|---|---|---|---|---|---|
| West Virginia | $111,600 | $721 | $520 | $990 | $470 |
| Kanawha County, WV | $111,200 | $698 | $470 | $990 | $520 |
| South Charleston, WV | $119,000 | $692 | $470 | $990 | $520 |
| Kanawha County, WV | $111,200 | $698 | $470 | $990 | $520 |
| Montgomery, WV | $81,200 | $616 | $410 | $880 | $470 |
| Van, WV | $51,400 | $491 | $330 | $690 | $360 |
| Deep Water, WV | $40,900 | $442 | $300 | $610 | $310 |
| Cooper, WV | $95,700 | $669 | $460 | $940 | $480 |
| Fayette County, WV | $86,400 | $617 | $440 | $860 | $420 |
| Kermit Harvey, WV | $66,600 | $558 | $400 | $770 | $370 |
| Catlettsburg, KY | $94,300 | $640 | $430 | $910 | $480 |
| MacArthur, WV | $108,000 | $710 | $490 | $990 | $500 |