Gavop shows you how to buy homeowners insurance in Northern, WV by estimating coverage, choosing the right deductible, contacting the best agents, understanding claim requirements, comparing cheap rates, using discount options and reading reviews.
| Northern, 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 77/8, Marshall St, Richards Trail B St, Bartlett Ave, Denver Ave, Depot St, Meadowbrook-Spelter Rd, Meadowbrook Rd, Oakview Dr, Co Rte 19/71 | $89,500 | $80,000 | $75,000-$100,000 | $85,000 | $70,000 | $75,000-$100,000 |
| Co Rte 4/1, Feathers Hill Rd, Van Rufus Dr, Corbin Branch Rd, Carter St, Reeses Run Rd, Joy Ln, Hardesty St, Blair Ct, Lyon Ave | $100,500 | $90,000 | $100,000-$125,000 | $84,500 | $70,000 | $75,000-$100,000 |
| Co Rte 20/2, Railroad St, Co Rte 6/6, Co Rte 20/5, Delta Rd 67, Briarwood Rd, Davis Ct, Co Rte 19/39, Old Enterprise Rd, Allen St | $91,000 | $80,000 | $100,000-$125,000 | $48,500 | $40,000 | $50,000-$75,000 |
| Fleming St, Station St, Cambria Hill Dr, Vine St, Gypsy Hill Rd, Emerald Dr, Crooked Run Rd, Co Rte 4/9, Sussex Ct, Co Rte 20/38 | $91,500 | $80,000 | $75,000-$100,000 | $94,500 | $90,000 | $75,000-$100,000 |
| Co Rte 19/9, E Oak St, E Lyndon St, Co Rte 12, Little Elk Creek Rd, Crooked Run-Lamberts Run, Delta Rd 6, Pub Rd 17/660, Saltwell Rd, Washington St | $92,500 | $90,000 | $75,000-$100,000 | $89,500 | $80,000 | $100,000-$125,000 |
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$104 | $508 |
| Superior Protection Discount | -$55 | $557 |
| Fire & Security Discount | -$67 | $545 |
| Hail Resistant Roof Discount | -$12 | $600 |
| Newly Constructed Home Discount | -$141 | $471 |
| 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 |
| Harrison County | $2,500 | $686 | $3,186 | $499 | $2,999 | $188 |
| Northern, WV | $1,500 | $605 | $2,105 | $439 | $1,939 | $165 |
| Newburg, WV | $200 | $423 | $623 | $307 | $507 | $116 |
| Lewis County, WV | $2,000 | $624 | $2,624 | $453 | $2,453 | $170 |
| Masontown, WV | $100 | $638 | $738 | $464 | $564 | $174 |
| Point Marion, PA | $1,500 | $526 | $2,026 | $382 | $1,882 | $144 |
| Aurora, WV | $400 | $831 | $1,231 | $604 | $1,004 | $227 |
| Luzerne, PA | $2,000 | $705 | $2,705 | $512 | $2,512 | $193 |
| Middle Fork, WV | $200 | $492 | $692 | $358 | $558 | $134 |
| Fairfax, WV | $2,000 | $663 | $2,663 | $482 | $2,482 | $181 |
| Flatwoods, WV | $100 | $581 | $681 | $422 | $522 | $159 |
| Brownsville, PA | $2,000 | $471 | $2,471 | $342 | $2,342 | $129 |
| Home Insurance Company Northern, WV | Homeowners Insurance Agency Northern, WV | Address | Popularity Score | Distance from Northern (miles) |
|---|---|---|---|---|
| State Farm | Shannon Reed | 101 W Pike St, Clarksburg, WV, 26301-2720 | 8.5 | |
| Allstate | Gail Hinzman | 123 State St, Bridgeport, WV, 26330 | 8.5 | |
| Nationwide | Kyle Johnson Ins Agency | 493 Washington Ave Ste 1, Clarksburg, WV, 26301-2825 | 8.5 | |
| Allstate | Erin Knippenberg | 1201 E Pike St, Clarksburg, WV, 26302 | 8.9 | |
| Liberty Mutual Independent | Cheslock Insurance Agency | 2809 White Hall Blvd, Fairmont, WV, 26554 | 9.9 | |
| Nationwide | Insurance For Less | 126 Marshall St, Clarksburg, WV, 26301-2264 | 9.1 | |
| State Farm | Rick Bailey | 2868 White Hall Blvd, Fairmont, WV, 26554-8227 | 10.0 | |
| State Farm | Stephanie Hayhurst-Hall | 124 Emily Dr, Clarksburg, WV, 26301-5501 | 9.6 | |
| Erie | United Security Agency | 649 N Pike Street, Grafton, WV, 26354 | 19.2 | |
| State Farm | Andy Formica | 1210 Johnson Avenue, Bridgeport, WV, 26330-1345 | 8.6 |
| Place | Typical Home Value | Typical Home Insurance Costs | 25th Percentile | 75th Percentile | Potential Savings & Difference between 25th & 75th Percentile |
|---|---|---|---|---|---|
| West Virginia | $111,600 | $721 | $530 | $990 | $460 |
| Harrison County, WV | $110,000 | $695 | $470 | $960 | $490 |
| Northern, WV | $92,700 | $612 | $410 | $850 | $440 |
| Newburg, WV | $38,100 | $428 | $300 | $600 | $300 |
| Lewis County, WV | $98,600 | $631 | $460 | $890 | $430 |
| Masontown, WV | $89,400 | $646 | $450 | $890 | $440 |
| Point Marion, PA | $76,700 | $532 | $360 | $760 | $400 |
| Aurora, WV | $154,700 | $841 | $570 | $1,170 | $600 |
| Luzerne, PA | $97,600 | $713 | $490 | $980 | $490 |
| Middle Fork, WV | $52,800 | $498 | $340 | $700 | $360 |
| Fairfax, WV | $96,200 | $671 | $460 | $920 | $460 |
| Flatwoods, WV | $74,000 | $588 | $430 | $810 | $380 |
| Brownsville, PA | $58,200 | $477 | $340 | $670 | $330 |