Gavop shows you how to buy homeowners insurance in Fourth, WV by estimating coverage, choosing the right deductible, contacting the best agents, understanding claim requirements, comparing cheap rates, using discount options and reading reviews.
| Bedrooms | Average Home Value | Estimated Replacement Value | Recommended Home Insurance Coverage |
|---|---|---|---|
| 1 Bedroom | $45,000 | $40,000 | $25,000-$50,000 |
| 2 Bedroom | $59,000 | $60,000 | $50,000-$75,000 |
| 3 Bedroom | $123,000 | $110,000 | $125,000-$150,000 |
| 4 Bedroom | $154,500 | $130,000 | $175,000-$200,000 |
| 5 Bedroom | $101,500 | $80,000 | $75,000-$100,000 |
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$87 | $534 |
| Superior Protection Discount | -$56 | $565 |
| Fire & Security Discount | -$56 | $565 |
| Hail Resistant Roof Discount | -$12 | $609 |
| Newly Constructed Home Discount | -$143 | $478 |
| 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 |
| Preston County | $700 | $676 | $1,376 | $491 | $1,191 | $185 |
| Fourth, WV | $700 | $614 | $1,314 | $446 | $1,146 | $168 |
| Cheat Lake, WV | $200 | $907 | $1,107 | $659 | $859 | $248 |
| Pleasant Valley, WV | $1,000 | $799 | $1,799 | $581 | $1,581 | $218 |
| Fairchance, PA | $100 | $560 | $660 | $407 | $507 | $153 |
| White Hall, WV | $1,500 | $875 | $2,375 | $636 | $2,136 | $239 |
| McCoole, MD | $400 | $590 | $990 | $429 | $829 | $161 |
| Moorefield, WV | $1,500 | $658 | $2,158 | $478 | $1,978 | $180 |
| Carpendale, WV | $300 | $745 | $1,045 | $541 | $841 | $204 |
| Scottdale, PA | $2,500 | $584 | $3,084 | $424 | $2,924 | $160 |
| Roscoe, PA | $200 | $530 | $730 | $385 | $585 | $145 |
| Home Insurance Company Fourth, WV | Homeowners Insurance Agency Fourth, WV | Address | Popularity Score | Distance from Fourth (miles) |
|---|---|---|---|---|
| Erie | Baker Insurance Services Llc | 109 Washington Street, Moorefield, WV, 26836 | 41.4 | |
| Erie | Insurance Centers Inc. | 205 E Main Street, Kingwood, WV, 26537 | 6.5 | |
| State Farm | Ray Thompson | 436 E Main St, Kingwood, WV, 26537-1722 | 5.8 | |
| Erie | Hott Insurance & Financial Services Llc | 207 N Main Street, Petersburg, WV, 26847 | 38.0 | |
| Erie | Insurance Centers Inc. | 10 S Tan Street, Bruceton Mills, WV, 26525 | 18.1 | |
| Erie | Goff Insurance Services | 3280 University Avenue Suite 4, Morgantown, WV, 26505 | 26.5 | |
| Erie | Goff Insurance Services | 227 W Main Street, Bridgeport, WV, 26330 | 35.4 | |
| State Farm | Jim Mccartney | 400 Morgantown St, Kingwood, WV, 26537-1093 | 7.3 | |
| State Farm | Kirk George | 417 Virginia Ave, Petersburg, WV, 26847-1719 | 38.4 | |
| State Farm | Rick Bailey | 2868 White Hall Blvd, Fairmont, WV, 26554-8227 | 30.8 |
| Place | Typical Home Value | Typical Home Insurance Costs | 25th Percentile | 75th Percentile | Potential Savings & Difference between 25th & 75th Percentile |
|---|---|---|---|---|---|
| West Virginia | $111,600 | $721 | $500 | $1,000 | $500 |
| Preston County, WV | $106,600 | $684 | $470 | $960 | $490 |
| Fourth, WV | $95,600 | $621 | $430 | $860 | $430 |
| Cheat Lake, WV | $273,800 | $918 | $630 | $1,260 | $630 |
| Pleasant Valley, WV | $142,100 | $809 | $540 | $1,120 | $580 |
| Fairchance, PA | $89,400 | $567 | $380 | $790 | $410 |
| White Hall, WV | $173,400 | $886 | $640 | $1,250 | $610 |
| McCoole, MD | $81,200 | $597 | $470 | $750 | $280 |
| Moorefield, WV | $94,900 | $666 | $460 | $910 | $450 |
| Carpendale, WV | $122,300 | $754 | $540 | $1,030 | $490 |
| Scottdale, PA | $98,500 | $591 | $400 | $830 | $430 |
| Roscoe, PA | $77,900 | $536 | $390 | $770 | $380 |