Gavop's guide to buying homeowners insurance in Shenandoah, 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 | $56,500 | $50,000 | $50,000-$75,000 |
| 2 Bedroom | $139,000 | $110,000 | $100,000-$125,000 |
| 3 Bedroom | $151,500 | $120,000 | $175,000-$200,000 |
| 4 Bedroom | $270,000 | $240,000 | $300,000-$350,000 |
| 5 Bedroom | $201,000 | $170,000 | $175,000-$200,000 |
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$116 | $608 |
| Superior Protection Discount | -$65 | $658 |
| Fire & Security Discount | -$58 | $665 |
| Hail Resistant Roof Discount | -$22 | $702 |
| Newly Constructed Home Discount | -$174 | $550 |
| 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 |
| Berkeley County | $700 | $838 | $1,538 | $609 | $1,309 | $229 |
| Shenandoah, WV | $1,000 | $715 | $1,715 | $519 | $1,519 | $195 |
| Falling Waters, WV | $300 | $804 | $1,104 | $584 | $884 | $220 |
| Ashburn, VA | $1,500 | $1,378 | $2,878 | $1,002 | $2,502 | $377 |
| Washington, PA | $500 | $695 | $1,195 | $505 | $1,005 | $190 |
| Allegany County, MD | $2,500 | $642 | $3,142 | $467 | $2,967 | $175 |
| Sterling, VA | $200 | $884 | $1,084 | $642 | $842 | $242 |
| Mill Creek, WV | $2,000 | $783 | $2,783 | $569 | $2,569 | $214 |
| Everett, PA | $100 | $554 | $654 | $403 | $503 | $151 |
| Home Insurance Company Shenandoah, WV | Homeowners Insurance Agency Shenandoah, WV | Address | Popularity Score | Distance from Shenandoah (miles) |
|---|---|---|---|---|
| State Farm | Tammy Sirbaugh | 217 Oak Lee Drive, Ranson, WV, 25438-4871 | 9.7 | |
| State Farm | Pam Neely | 5724 Hammonds Mill Rd Ste D, Martinsburg, WV, 25404-6481 | 14.8 | |
| Allstate | Amber Ritchie | 59 Ruland Rd Ste I, Kearneysville, WV, 25430 | 8.7 | |
| Nationwide | Jeff Jenkins | 127 Hovatter Drive, Inwood, WV, 25428-9998 | 1.1 | |
| Allstate | Greg Smith | 39 Meadow Ln, Martinsburg, WV, 25404 | 9.7 | |
| State Farm | Lana Shultz | 1119 S George St, Charles Town, WV, 25414-4433 | 10.5 | |
| Allstate | Louis J. Diguglielmo | 111 Topper Ave Ste 100, Ranson, WV, 25438 | 9.1 | |
| State Farm | Dawn Newland | 1664 Winchester Ave Ste 4, Martinsburg, WV, 25405-3881 | 6.1 | |
| State Farm | Dave Piepenbrink | 15 Hovatter Dr, Inwood, WV, 25428 | 1.0 | |
| Nationwide | Eckenrode Financial Services Llc | 519 Winchester Ave, Martinsburg, WV, 25401 | 7.6 |
| 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 | $1,000 | $470 |
| Berkeley County, WV | $168,200 | $848 | $580 | $1,160 | $580 |
| Shenandoah, WV | $162,900 | $723 | $510 | $990 | $480 |
| Falling Waters, WV | $143,800 | $814 | $590 | $1,130 | $540 |
| Ashburn, VA | $479,900 | $1,395 | $1,020 | $1,990 | $970 |
| Washington, PA | $176,500 | $703 | $510 | $980 | $470 |
| Allegany County, MD | $119,900 | $650 | $510 | $820 | $310 |
| Sterling, VA | $343,200 | $895 | $610 | $1,240 | $630 |
| Mill Creek, WV | $136,200 | $793 | $570 | $1,120 | $550 |
| Everett, PA | $87,200 | $561 | $390 | $800 | $410 |