How Can I Make My Southern, WV Home Insurance Cheaper

Gavop's guide to buying homeowners insurance in Southern, 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.

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Select the Suitable Coverage Value for your Southern, WV Home | Back to Top

Bedrooms Average Home Value Estimated Replacement Value Recommended Home Insurance Coverage
1 Bedroom $40,500 $40,000 $25,000-$50,000
2 Bedroom $58,000 $50,000 $50,000-$75,000
3 Bedroom $91,500 $80,000 $100,000-$125,000
4 Bedroom $141,000 $130,000 $150,000-$175,000
5 Bedroom $117,000 $110,000 $100,000-$125,000

Estimate your Savings with Home Insurance Discounts in Southern, WV | Back to Top

Type Discount ($) Premium After Discount ($)
Multipolicy Discount -$102 $579
Superior Protection Discount -$68 $614
Fire & Security Discount -$75 $607
Hail Resistant Roof Discount -$14 $668
Newly Constructed Home Discount -$177 $504

Choose the Right Deductible for your Southern, WV Home | Back to Top

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 $700 $686 $1,386 $499 $1,199 $188
Southern, WV $700 $674 $1,374 $489 $1,189 $184
West, WV $300 $687 $987 $499 $799 $188
De Kalb-Troy, WV $1,500 $684 $2,184 $497 $1,997 $187
Central, WV $100 $748 $848 $543 $643 $204
Cassville, WV $700 $784 $1,484 $570 $1,270 $214
Valley Bend, WV $400 $562 $962 $409 $809 $154
Sardis, OH $1,000 $620 $1,620 $451 $1,451 $170
Cairo, WV $500 $451 $951 $327 $827 $123
Springhill, PA $1,000 $528 $1,528 $383 $1,383 $144
Webster County, WV $300 $700 $1,000 $509 $809 $191
Calhoun County, WV $1,000 $694 $1,694 $504 $1,504 $190

Identify Top Home Insurance Agents near Southern, WV | Back to Top

Home Insurance Company Southern, WV Homeowners Insurance Agency Southern, WV Address Popularity Score Distance from Southern (miles)
Erie United Security Agency 139 W Main Street, Bridgeport, WV, 26330
7.4
Erie Webster Insurance Agency Inc. 101 Doctors Drive, Bridgeport, WV, 26330
7.3
State Farm Shannon Reed 101 W Pike St, Clarksburg, WV, 26301-2720
6.8
Allstate Erin Knippenberg 1201 E Pike St, Clarksburg, WV, 26302
6.5
Nationwide Kyle Johnson Ins Agency 493 Washington Ave Ste 1, Clarksburg, WV, 26301-2825
6.9
Erie Goff Insurance Services 227 W Main Street, Bridgeport, WV, 26330
7.3
Allstate Bill Pulice 5 Chenoweth Dr, Bridgeport, WV, 26330
7.0
State Farm Sharon Sabo 830 Route 20 South Rd., Buckhannon, WV, 26201-3910
15.3
State Farm Stephanie Hayhurst-Hall 124 Emily Dr, Clarksburg, WV, 26301-5501
6.7
State Farm Andy Formica 1210 Johnson Avenue, Bridgeport, WV, 26330-1345
8.1

Compare Rates for Southern, WV Home Insurance Providers | Back to Top

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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 $500 $950 $450
Southern, WV $115,400 $682 $460 $970 $510
West, WV $103,500 $695 $500 $960 $460
De Kalb-Troy, WV $102,600 $692 $470 $950 $480
Central, WV $180,200 $757 $540 $1,080 $540
Cassville, WV $136,400 $794 $570 $1,100 $530
Valley Bend, WV $69,400 $569 $380 $780 $400
Sardis, OH $101,500 $628 $450 $890 $440
Cairo, WV $43,800 $456 $330 $650 $320
Springhill, PA $77,300 $534 $360 $740 $380
Webster County, WV $68,400 $709 $510 $980 $470
Calhoun County, WV $79,900 $703 $480 $960 $480