Gavop's guide to buying homeowners insurance in Hardy 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.
| Hardy 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 | |
| Co Rte 6, Saville St, Howards Lick Rd, Quincy Dr, Co Rte 23/9 Sauerkraut, E Brighton Ave, Harper Ct, Timber Mountain Rd, Wright Farm Rd, Jennifer's Ln | $146,500 | $140,000 | $125,000-$150,000 | $134,500 | $110,000 | $150,000-$175,000 |
| Jenkens Hollow Rd, Issac St, Rolling Acres Dr, Co Rte 7/2, Rig Co Rte 10 Rd, Co Rte 16, State Rte 259, Needmore-Rock Oak, Co Rte 55/3, Vance Dr | $162,500 | $130,000 | $175,000-$200,000 | $134,500 | $120,000 | $100,000-$125,000 |
| Co Rd 8/1, Fort Run Rd, Capon Rd, Mountain Acres Lp, Sawmill Ln, Sugar Camp Rd, See Ln, Haggerty Ln, Bottom Rd, Hickory Patch Rd | $129,500 | $110,000 | $125,000-$150,000 | $102,000 | $90,000 | $100,000-$125,000 |
| Apache Rd, Washington St, Shawnee Rd, Olivet Dr, Leisure Ln, Dove Hollow, Welton Orchard Rd, 2nd St, Ridgetop Dr, Never Ending Dr | $138,000 | $120,000 | $150,000-$175,000 | $143,500 | $130,000 | $150,000-$175,000 |
| Co Rd 1/4, Farm View Ln, Highland Springs Ter, 8th St, Needmore Rd, Welton Rd, Co Rte 10/5, River Bridge Ln, Shockeyville Ln, Frosty Hollow | $95,000 | $80,000 | $100,000-$125,000 | $103,500 | $90,000 | $100,000-$125,000 |
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$98 | $602 |
| Superior Protection Discount | -$63 | $637 |
| Fire & Security Discount | -$70 | $630 |
| Hail Resistant Roof Discount | -$14 | $686 |
| Newly Constructed Home Discount | -$154 | $546 |
| 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 |
| Hardy County | $2,000 | $692 | $2,692 | $503 | $2,503 | $189 |
| Hardy County, WV | $1,500 | $692 | $2,192 | $503 | $2,003 | $189 |
| Maurertown, VA | $400 | $816 | $1,216 | $593 | $993 | $223 |
| Mineral County, WV | $2,500 | $644 | $3,144 | $468 | $2,968 | $176 |
| Middletown, VA | $500 | $826 | $1,326 | $600 | $1,100 | $226 |
| Winchester, VA | $1,500 | $758 | $2,258 | $551 | $2,051 | $207 |
| Bier, MD | $500 | $632 | $1,132 | $460 | $960 | $173 |
| Paw Paw, WV | $1,500 | $625 | $2,125 | $454 | $1,954 | $171 |
| Allegany County, MD | $200 | $642 | $842 | $467 | $667 | $175 |
| Clarke County, VA | $700 | $870 | $1,570 | $632 | $1,332 | $238 |
| Home Insurance Company Hardy County, WV | Homeowners Insurance Agency Hardy County, WV | Address | Popularity Score | Distance from Hardy County (miles) |
|---|---|---|---|---|
| Erie | Baker Insurance Services Llc | 109 Washington Street, Moorefield, WV, 26836 | 7.7 | |
| Erie | Hott Insurance & Financial Services Llc | 207 N Main Street, Petersburg, WV, 26847 | 15.1 | |
| Nationwide | Jeff Jenkins | 127 Hovatter Drive, Inwood, WV, 25428-9998 | 49.4 | |
| Allstate | Evans Agency | 56 N Main St, Keyser, WV, 26726 | 30.4 | |
| State Farm | Kirk George | 417 Virginia Ave, Petersburg, WV, 26847-1719 | 14.8 | |
| Nationwide | Jack L Floyd | 373 S Mineral St, Keyser, WV, 26726-2955 | 30.2 | |
| State Farm | Hayward Wilson | Us Route 220 South, Keyser, WV, 26726 | 28.1 | |
| State Farm | Judy Ball | 334 S Main St, Moorefield, WV, 26836-1283 | 7.5 | |
| State Farm | Dave Piepenbrink | 15 Hovatter Dr, Inwood, WV, 25428 | 49.4 | |
| Allstate | Evans Agency | 56 N Main St, Keyser, WV, 26726 | 30.4 |
| Place | Typical Home Value | Typical Home Insurance Costs | 25th Percentile | 75th Percentile | Potential Savings & Difference between 25th & 75th Percentile |
|---|---|---|---|---|---|
| West Virginia | $111,600 | $721 | $490 | $1,020 | $530 |
| Hardy County, WV | $121,900 | $700 | $480 | $970 | $490 |
| Hardy County, WV | $121,900 | $700 | $480 | $990 | $510 |
| Maurertown, VA | $178,700 | $826 | $550 | $1,130 | $580 |
| Mineral County, WV | $129,800 | $652 | $450 | $930 | $480 |
| Middletown, VA | $183,100 | $836 | $570 | $1,150 | $580 |
| Winchester, VA | $226,200 | $767 | $510 | $1,050 | $540 |
| Bier, MD | $103,300 | $640 | $510 | $810 | $300 |
| Paw Paw, WV | $85,700 | $633 | $430 | $910 | $480 |
| Allegany County, MD | $119,900 | $650 | $510 | $820 | $310 |
| Clarke County, VA | $333,100 | $880 | $590 | $1,240 | $650 |