Gavop's guide to buying homeowners insurance in Mercer 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.
| Bedrooms | Average Home Value | Estimated Replacement Value | Recommended Home Insurance Coverage |
|---|---|---|---|
| 1 Bedroom | $34,000 | $30,000 | $25,000-$50,000 |
| 2 Bedroom | $89,000 | $80,000 | $75,000-$100,000 |
| 3 Bedroom | $86,000 | $70,000 | $100,000-$125,000 |
| 4 Bedroom | $112,000 | $90,000 | $100,000-$125,000 |
| 5 Bedroom | $115,500 | $110,000 | $125,000-$150,000 |
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$107 | $520 |
| Superior Protection Discount | -$63 | $564 |
| Fire & Security Discount | -$69 | $558 |
| Hail Resistant Roof Discount | -$13 | $614 |
| Newly Constructed Home Discount | -$175 | $451 |
| 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 |
| Mercer County | $2,500 | $619 | $3,119 | $450 | $2,950 | $169 |
| Mercer County, WV | $1,000 | $619 | $1,619 | $450 | $1,450 | $169 |
| Maybeury, WV | $500 | $314 | $814 | $228 | $728 | $86 |
| Raleigh County, WV | $1,000 | $673 | $1,673 | $489 | $1,489 | $184 |
| Dublin, VA | $300 | $664 | $964 | $482 | $782 | $181 |
| Belview, VA | $1,500 | $737 | $2,237 | $536 | $2,036 | $201 |
| Hiwassee, VA | $100 | $871 | $971 | $633 | $733 | $238 |
| Bradshaw, WV | $1,500 | $480 | $1,980 | $349 | $1,849 | $131 |
| Gilbert Creek, WV | $100 | $500 | $600 | $363 | $463 | $137 |
| Marion, VA | $1,000 | $901 | $1,901 | $655 | $1,655 | $246 |
| Hillsville, VA | $300 | $568 | $868 | $413 | $713 | $155 |
| Seven Mile Ford, VA | $1,500 | $713 | $2,213 | $518 | $2,018 | $195 |
| Home Insurance Company Mercer County, WV | Homeowners Insurance Agency Mercer County, WV | Address | Popularity Score | Distance from Mercer County (miles) |
|---|---|---|---|---|
| State Farm | Butch Mcneely | 100 Moran Ave, Mullens, WV, 25882-1425 | 19.5 | |
| State Farm | Don Frazier | 1431 Honaker Ave, Princeton, WV, 24740-3047 | 2.6 | |
| Allstate | Lynn Rhodes | 200 S Walker St, Princeton, WV, 24740 | 2.7 | |
| Allstate | Roger L. Barnett | 3213 E Cumberland Rd, Bluefield, WV, 24701 | 11.3 | |
| State Farm | Wes Hinkle | 492 Courthouse Rd, Princeton, WV, 24740-2422 | 4.2 | |
| Nationwide | Sam J Baker | 200 Moran Ave, Mullens, WV, 25882-1427 | 19.5 | |
| Erie | Walker Insurance Associates Llc | 3705 E Cumberland Road, Bluefield, WV, 24701 | 10.9 | |
| Erie | Rodney Allen Insurance Agency Llc | 119 Market Street Suite E, Peterstown, WV, 24963 | 17.0 | |
| State Farm | Kelly Mann | Rr 2 Box 940, Peterstown, WV, 24963-9729 | 16.9 | |
| Nationwide | Michael J Romeo | 3144 E Cumberland Rd, Bluefield, WV, 24701-4957 | 11.5 |
| Place | Typical Home Value | Typical Home Insurance Costs | 25th Percentile | 75th Percentile | Potential Savings & Difference between 25th & 75th Percentile |
|---|---|---|---|---|---|
| West Virginia | $111,600 | $721 | $480 | $990 | $510 |
| Mercer County, WV | $89,400 | $627 | $430 | $860 | $430 |
| Mercer County, WV | $89,400 | $627 | $450 | $900 | $450 |
| Maybeury, WV | $17,500 | $318 | $230 | $440 | $210 |
| Raleigh County, WV | $105,700 | $681 | $460 | $930 | $470 |
| Dublin, VA | $127,500 | $672 | $460 | $950 | $490 |
| Belview, VA | $148,700 | $746 | $530 | $1,050 | $520 |
| Hiwassee, VA | $206,800 | $882 | $610 | $1,220 | $610 |
| Bradshaw, WV | $50,300 | $486 | $350 | $680 | $330 |
| Gilbert Creek, WV | $54,600 | $506 | $340 | $720 | $380 |
| Marion, VA | $91,300 | $912 | $660 | $1,260 | $600 |
| Hillsville, VA | $104,500 | $575 | $410 | $820 | $410 |
| Seven Mile Ford, VA | $141,300 | $722 | $520 | $1,000 | $480 |