Gavop's guide to buying homeowners insurance in Roane 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.
| Roane County, 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 | |
| Ridgemont Rd, Ernest St, Co Rte 8, Holbert Dr, Reservoir St, Chambers Fork, Co Rte 15/7, Batten Rd, Rustic Acres, Co Rte 29/8 | $94,000 | $80,000 | $75,000-$100,000 | $76,500 | $70,000 | $75,000-$100,000 |
| Craddock Dr, Delta Rd 4, Stringtown Rd, Co Rte 19/1, Counts Rd, Barrcut Rd, E Main St, Fairview St, Stutlers Run, Slab Fork Rd | $62,000 | $60,000 | $50,000-$75,000 | $75,000 | $70,000 | $75,000-$100,000 |
| Beelick Rd, Dicks Run Rd, Mount Hope Rd, Thorofare Rd, Harper Ln, Co Rte 36/3, Sunset St, Beelick Run Rd, W Main St, Natural Bridge Rd | $77,000 | $70,000 | $50,000-$75,000 | $60,000 | $50,000 | $50,000-$75,000 |
| Co Rte 13/9, Center St, Scaffold Run Rd, Co Rte 11, Vandale Fork Rd, Slate Run Rd, Co Rte 46/4, Knights Run, Jane Run, Liverpool Rd | $78,500 | $70,000 | $50,000-$75,000 | $57,000 | $50,000 | $50,000-$75,000 |
| Millionaire Ln, Co Rte 48, Ambler Ridge, Tuckers Run Rd, Co Rte 5/20, Rock Creek, Folly Run Rd, School Dr, Price Ridge, Middle Fork | $89,500 | $80,000 | $100,000-$125,000 | $70,500 | $60,000 | $75,000-$100,000 |
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$116 | $496 |
| Superior Protection Discount | -$55 | $557 |
| Fire & Security Discount | -$61 | $551 |
| Hail Resistant Roof Discount | -$18 | $594 |
| Newly Constructed Home Discount | -$122 | $490 |
| 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 |
| Roane County | $1,500 | $605 | $2,105 | $439 | $1,939 | $165 |
| Roane County, WV | $700 | $605 | $1,305 | $439 | $1,139 | $165 |
| Glenville, WV | $400 | $617 | $1,017 | $448 | $848 | $168 |
| Winfield, WV | $700 | $858 | $1,558 | $623 | $1,323 | $234 |
| Dunbar, WV | $200 | $606 | $806 | $440 | $640 | $165 |
| Braxton County, WV | $2,000 | $600 | $2,600 | $436 | $2,436 | $164 |
| Glasgow, WV | $100 | $627 | $727 | $456 | $556 | $171 |
| Lubeck, WV | $700 | $645 | $1,345 | $469 | $1,169 | $176 |
| Flatwoods, WV | $400 | $581 | $981 | $422 | $822 | $159 |
| Lewis, WV | $700 | $573 | $1,273 | $417 | $1,117 | $157 |
| Wilderness, WV | $1,000 | $737 | $1,737 | $536 | $1,536 | $201 |
| Home Insurance Company Roane County, WV | Homeowners Insurance Agency Roane County, WV | Address | Popularity Score | Distance from Roane County (miles) |
|---|---|---|---|---|
| State Farm | Bridget Smith | 20 Williams Dr Ste 3, Spencer, WV, 25276-1800 | 3.9 | |
| Erie | Kerby Insurance Agency Llc | 265 Ripley Road, Spencer, WV, 25276 | 4.2 | |
| State Farm | Tyler Courts | 101 Court St N, Ripley, WV, 25271-1207 | 20.0 | |
| Erie | Ashley Insurance Agency | P O Box 823, Spencer, WV, 25276 | 4.1 | |
| Liberty Mutual | Flo Jones | 112 Brent Way, Hurricane, WV, 25526 | 37.6 | |
| Liberty Mutual | Mark A. Truelove | 112 Brent Way, Hurricane, WV, 25526 | 37.6 | |
| State Farm | Norman Daniels | 417 E Main St, Spencer, WV, 25276-1612 | 3.7 | |
| State Farm | Matt Morris | 5 Main Street, Clendenin, WV, 25045 | 17.5 | |
| State Farm | Mike Mcgrew | 3338 Charleston Rd, Ripley, WV, 25271-5559 | 18.4 | |
| State Farm | Bill Mangus | 801 Dunbar Ave, Dunbar, WV, 25064-3218 | 33.4 |
| 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 | $1,030 | $510 |
| Roane County, WV | $92,700 | $612 | $430 | $870 | $440 |
| Roane County, WV | $92,700 | $612 | $440 | $880 | $440 |
| Glenville, WV | $83,200 | $624 | $420 | $890 | $470 |
| Winfield, WV | $165,900 | $868 | $590 | $1,190 | $600 |
| Dunbar, WV | $92,800 | $613 | $420 | $880 | $460 |
| Braxton County, WV | $91,100 | $607 | $410 | $830 | $420 |
| Glasgow, WV | $86,300 | $635 | $430 | $880 | $450 |
| Lubeck, WV | $130,100 | $653 | $470 | $890 | $420 |
| Flatwoods, WV | $74,000 | $588 | $430 | $830 | $400 |
| Lewis, WV | $83,400 | $580 | $420 | $820 | $400 |
| Wilderness, WV | $119,700 | $746 | $500 | $1,060 | $560 |