Gavop's guide to buying homeowners insurance in St. Albans, 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.
| St. Albans, 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 8, Dry Ridge Rd, Co Rte 16, Sun Valley Dr, Richmond St, Cousin Dr, Scott Dr, River Park Cir, Furlong Ave, Alameda St | $167,500 | $150,000 | $150,000-$175,000 | $72,500 | $70,000 | $50,000-$75,000 |
| Cart St, Grant Ave, Sutherland Dr, Edgemont, Schulte Fork, Saunders St, Starlet, Erin Ln, Sunset Dr, Kincaid | $103,500 | $90,000 | $75,000-$100,000 | $121,500 | $100,000 | $100,000-$125,000 |
| Riverside Dr, Co Rte 8/4, Moss Ln, Briarwood, Valley View Ave, Brook Rd, Ben Rd, Co Rte 8, Crooked Creek Rd, Underwood Ave | $74,000 | $60,000 | $50,000-$75,000 | $64,500 | $60,000 | $50,000-$75,000 |
| Sand Plant Rd, Haning Dr, Shadyside Trailer Ct, Dewey Dr, Lincoln Rd, 2nd St W, Rock Camp Rd, Gore Addition Rd, Midkiff Dr, Elmhurst Dr | $97,000 | $90,000 | $100,000-$125,000 | $115,500 | $90,000 | $125,000-$150,000 |
| Co Rte 8/3, Ballard Rd, John St, Buckner Rd, Northway Dr, W Maccorkle Ave, Lone Oak Dr, Co Rte 1, Stover St, Camp Rd | $109,500 | $100,000 | $100,000-$125,000 | $97,500 | $80,000 | $100,000-$125,000 |
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$121 | $551 |
| Superior Protection Discount | -$67 | $604 |
| Fire & Security Discount | -$54 | $618 |
| Hail Resistant Roof Discount | -$13 | $658 |
| Newly Constructed Home Discount | -$148 | $524 |
| 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 |
| Kanawha County | $2,000 | $690 | $2,690 | $501 | $2,501 | $189 |
| St. Albans, WV | $1,000 | $663 | $1,663 | $482 | $1,482 | $181 |
| Hurricane, WV | $400 | $694 | $1,094 | $504 | $904 | $190 |
| Glasgow, WV | $1,000 | $627 | $1,627 | $456 | $1,456 | $171 |
| Crown City, OH | $400 | $568 | $968 | $413 | $813 | $155 |
| Powellton, WV | $1,000 | $578 | $1,578 | $420 | $1,420 | $158 |
| Charlton Heights, WV | $200 | $690 | $890 | $501 | $701 | $188 |
| McConnell, WV | $2,500 | $636 | $3,136 | $462 | $2,962 | $174 |
| Addison, OH | $300 | $589 | $889 | $428 | $728 | $161 |
| Flatwoods-Russell, KY | $2,500 | $687 | $3,187 | $499 | $2,999 | $188 |
| Elizabeth, OH | $400 | $567 | $967 | $412 | $812 | $155 |
| Home Insurance Company St. Albans, WV | Homeowners Insurance Agency St. Albans, WV | Address | Popularity Score | Distance from St. Albans (miles) |
|---|---|---|---|---|
| State Farm | Lori Mccown | 3550 Teays Valley Rd Ste 1, Hurricane, WV, 25526-9054 | 10.0 | |
| Erie | Asseff Insurance Agency | 335 2nd Ave South Charleston, South Charleston, WV, 25303 | 7.0 | |
| Allstate | Travis Foster | 127 Goff Mountain Rd, Cross Lanes, WV, 25313 | 3.1 | |
| Liberty Mutual | Melissa Oxley | 112 Brent Way, Hurricane, WV, 25526 | 8.4 | |
| Liberty Mutual | Jon Duggan | 112 Brent Way, Hurricane, WV, 25526 | 8.4 | |
| State Farm | Rob Bowers | 801 6th Ave, Saint Albans, WV, 25177-2918 | 0.7 | |
| Liberty Mutual | Flo Jones | 112 Brent Way, Hurricane, WV, 25526 | 8.4 | |
| State Farm | Brandon Huffman | 5506 Big Tyler Road, Cross Lanes, WV, 25313 | 3.5 | |
| Allstate | Anne Underwood | 436 12th St, Dunbar, WV, 25064 | 4.5 | |
| State Farm | Bill Mangus | 801 Dunbar Ave, Dunbar, WV, 25064-3218 | 4.9 |
| 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 | $1,030 | $530 |
| Kanawha County, WV | $111,200 | $698 | $470 | $990 | $520 |
| St. Albans, WV | $111,900 | $671 | $460 | $920 | $460 |
| Hurricane, WV | $152,600 | $702 | $500 | $960 | $460 |
| Glasgow, WV | $86,300 | $635 | $460 | $880 | $420 |
| Crown City, OH | $83,300 | $575 | $410 | $790 | $380 |
| Powellton, WV | $73,300 | $585 | $390 | $840 | $450 |
| Charlton Heights, WV | $104,400 | $698 | $510 | $960 | $450 |
| McConnell, WV | $88,600 | $644 | $460 | $880 | $420 |
| Addison, OH | $90,200 | $596 | $400 | $830 | $430 |
| Flatwoods-Russell, KY | $110,800 | $696 | $470 | $980 | $510 |
| Elizabeth, OH | $83,000 | $574 | $390 | $820 | $430 |