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.
| 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-$500,000 |
| Type | Discount ($) | 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 |
| 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 |
| 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 |
| 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 |