How Can I Make My Valley, WV Home Insurance Cheaper

Gavop's guide to buying homeowners insurance in Valley, 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.

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Select the Suitable Coverage Value for your Valley, WV Home | Back to Top

Bedrooms Average Home Value Estimated Replacement Value Recommended Home Insurance Coverage
1 Bedroom $56,500 $50,000 $50,000-$75,000
2 Bedroom $101,000 $90,000 $75,000-$100,000
3 Bedroom $181,000 $170,000 $175,000-$200,000
4 Bedroom $267,500 $240,000 $200,000-$250,000
5 Bedroom $405,000 $350,000 $400,000-$500,000

Estimate your Savings with Home Insurance Discounts in Valley, WV | Back to Top

Type Discount ($) Premium After Discount ($)
Multipolicy Discount -$115 $653
Superior Protection Discount -$69 $699
Fire & Security Discount -$69 $699
Hail Resistant Roof Discount -$15 $752
Newly Constructed Home Discount -$215 $553

Choose the Right Deductible for your Valley, WV Home | Back to Top

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
Berkeley County $1,000 $838 $1,838 $609 $1,609 $229
Valley, WV $1,500 $759 $2,259 $551 $2,051 $207
Middleway, WV $100 $793 $893 $576 $676 $217
Pecktonville, MD $2,500 $696 $3,196 $505 $3,005 $190
Frederick County, VA $100 $883 $983 $642 $742 $241
Kabletown, WV $1,000 $869 $1,869 $631 $1,631 $237
Lovettsville, VA $700 $1,036 $1,736 $753 $1,453 $283
Greencastle, PA $500 $761 $1,261 $553 $1,053 $208
Strasburg, VA $2,500 $716 $3,216 $520 $3,020 $196

Identify Top Home Insurance Agents near Valley, WV | Back to Top

Home Insurance Company Valley, WV Homeowners Insurance Agency Valley, WV Address Popularity Score Distance from Valley (miles)
Erie Smallwood & Small Insurance 121 Administrative Drive Suite 200, Martinsburg, WV, 25404
7.6
Allstate Joanna G Berg 311 Aikens Ctr, Martinsburg, WV, 25404
7.6
State Farm Kay Lewis 1885 Edwin Miller Blvd, Martinsburg, WV, 25404-7572
7.7
Nationwide Jeff Jenkins 127 Hovatter Drive, Inwood, WV, 25428-9998
8.3
Allstate Greg Smith 39 Meadow Ln, Martinsburg, WV, 25404
7.9
State Farm Lana Shultz 1119 S George St, Charles Town, WV, 25414-4433
18.8
State Farm Jerry Williams 1885 Edwin Miller Blvd, Martinsburg, WV, 25404-7572
7.7
State Farm Dawn Newland 1664 Winchester Ave Ste 4, Martinsburg, WV, 25405-3881
6.5
State Farm Dave Piepenbrink 15 Hovatter Dr, Inwood, WV, 25428
8.3
Nationwide Eckenrode Financial Services Llc 519 Winchester Ave, Martinsburg, WV, 25401
6.8

Compare Rates for Valley, WV Home Insurance Providers | Back to Top

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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
Berkeley County, WV $168,200 $848 $580 $1,200 $620
Valley, WV $186,100 $768 $550 $1,050 $500
Middleway, WV $205,900 $802 $550 $1,150 $600
Pecktonville, MD $139,000 $704 $560 $890 $330
Frederick County, VA $239,100 $894 $630 $1,240 $610
Kabletown, WV $251,800 $879 $630 $1,200 $570
Lovettsville, VA $333,500 $1,049 $700 $1,460 $760
Greencastle, PA $184,100 $770 $550 $1,070 $520
Strasburg, VA $195,900 $725 $510 $1,000 $490