Teays Insurance Rates:

Teays, WV home insurance is roughly $827 to $1,135, about $68-$94/month. Our exhaustive research shows customers can save upto $392 by comparing multiple quotes

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Teays Home Owner Insurance Quotes | Write a Review | Rates & Quotes Analysis
Liberty Mutual
Home Insurance Rate of $700/12 months for $200000-$250000 Coverage
Policy Holder Home Details :

Home Value : $260,000

3 Beds, 3 Bath 1970 sqft Rental Property Constructed In 2003 with Carpet Flooring, Metal Roof, Piers Foundation, Vinyl siding, Metal Frame Construction. Home Features Include Copper Water Pipes, Circuit Breaker Electricals and Security by HomeOnly

About Policy Holder:

60 Years old Divorced Female who has a Part Time Job with household income of $25-50,000 and has 3 Pets and is a Smoker

Additional Details :
  • 75-100% Mortgage Paid off

  • 600-649 Credit Score

  • Seniors staying at home

Home Insurance Rate of $520/8 months for $175000-$200000 Coverage
Policy Holder Home Details :

Home Value : $180,000

3 Beds, 3 Bath 1600 sqft Rental Property Constructed In 1986 with Carpet over wood flooring, Composition Roof, Crawl Space Foundation, Stucco siding, Metal Frame Construction. Home Features Include Swimming Pool, Smoke Alarm, Fireplace, Indoor Sprinklers, FuseBox Electricals and Security by Monitoring Company

About Policy Holder:

50 Years old Married Male who is a Freelancer with household income of $100-$150,000 and has 1 Pet and is a Non-Smoker

Additional Details :
  • 50-75% Mortgage Paid off

  • 650-699 Credit Score

  • Seniors staying at home

  • Guests at home

Home Insurance Rate of $900/10 months for $250000-$300000 Coverage
Policy Holder Home Details :

Home Value : $225,000

4 Beds, 4 Baths 1670 sqft Primary Residence Constructed In 1993 with Carpet over wood flooring, Asphalt Shingles Roof, Piers Foundation, Wood siding, Wood Frame. Home Features Include Swimming Pool, Deadbolt Locks, Central Air Conditioning, Copper Water Pipes, Circuit Breaker Electricals and Security by HomeOnly

About Policy Holder:

40 Years old Married Female who is a Freelancer with household income of $25-50,000 and has No Pets and is a Smoker

Additional Details :
  • 50-75% Mortgage Paid off

  • 650-699 Credit Score

  • Seniors staying at home

  • Guests at home

Home Insurance Rate of $820/12 months for $175000-$200000 Coverage
Policy Holder Home Details :

Home Value : $180,000

4 Beds, 4 Baths 1890 sqft Primary Residence Constructed In 1994 with Stone Flooring, Slate Shingles Roof, Crawl Space Foundation, Stone Siding, Wood Frame. Home Features Include Indoor Sprinklers, Fire Extinguisher, Copper Water Pipes, FuseBox Electricals and Security by Monitoring Company

About Policy Holder:

61 Years old Divorced Female who is Unemployed and has No Pets and is a Smoker

Additional Details :
  • 50-75% Mortgage Paid off

  • 700-749 Credit Score

  • Guests at home

Home Insurance Rate of $840/12 months for $200000-$250000 Coverage
Policy Holder Home Details :

Home Value : $195,000

3 Beds, 3 Baths 1510 sqft Seasonal Residence Constructed In 2002 with Carpet Flooring, Wood Shake Roof, Piers Foundation, Stone Siding, Brick Frame. Home Features Include Fireplace, Swimming Pool, FuseBox Electricals and Security by Monitoring Company

About Policy Holder:

31 Years old Divorced Female who has a Part Time Job with household income of $25-50,000 and has More than 3 Pets at home and is a Smoker

Additional Details :
  • 25-50% Mortgage Paid off

  • Up to 499 Credit Score

Home Insurance Rate of $1200/10 months for $300000-$350000 Coverage
Policy Holder Home Details :

Home Value : $395,000

5 Beds, 5 Bath 3740 sqft Vacation Property Constructed In 2014 with Carpet over wood flooring, Asphalt Shingles Roof, Piers Foundation, Vinyl siding, Stucco Construction. Home Features Include Fire Extinguisher, Circuit Breaker Electricals and Security by Monitoring Company

About Policy Holder:

31 Years old Divorced Female who is a Freelancer with household income of $75-$100,000 and has 3 Pets and is a Smoker

Additional Details :
  • 25-50% Mortgage Paid off

  • 800-850 Credit Score

Home Insurance Rate of $1190/4 months for $600000-$700000 Coverage
Policy Holder Home Details :

Home Value : $545,000

5 Beds, 5 Baths 4060 sqft Vacation Property Constructed In 1990 with Carpet Flooring, Composition Roof, Piers Foundation, Wood siding, Metal Frame Construction. Home Features Include Smoke Alarm, Swimming Pool, Fireplace, Fire Extinguisher, Circuit Breaker Electricals and Security by Monitoring Company

About Policy Holder:

31 Years old Married Female who is a Freelancer with household income of more than $150,000 and has More than 3 Pets at home and is a Smoker

Additional Details :
  • 0-25% through paying our mortgage

  • 600-649 Credit Score

  • Seniors staying at home

Home Insurance Rate of $190/2 months for $350000-$400000 Coverage
Policy Holder Home Details :

Home Value : $450,000

5 Beds, 5 Bath 3870 sqft Rental Property Constructed In 1983 with Carpet over wood flooring, Membrane Roof, Crawl Space Foundation, Vinyl siding, Brick Frame. Home Features Include Fire Extinguisher, Circuit Breaker Electricals and Security by Monitoring Company

About Policy Holder:

63 Years old Married Male who has a Part Time Job with household income of less than $25,000 and has 1 Pet and is a Non-Smoker

Additional Details :
  • 50-75% Mortgage Paid off

  • 700-749 Credit Score

  • Seniors staying at home

Home Insurance Rate of $350/7 months for $175000-$200000 Coverage
Policy Holder Home Details :

Home Value : $170,000

3 Beds, 3 Bath 1320 sqft Rental Property Constructed In 2011 with Carpet over wood flooring, Tile Roof, Crawl Space Foundation, Brick siding, Metal Frame Construction. Home Features Include Central Air Conditioning, Circuit Breaker Electricals and Security by Monitoring Company

About Policy Holder:

61 Years old Single Male who is Unemployed and has 3 Pets and is a Smoker

Additional Details :
  • 25-50% Mortgage Paid off

  • 700-749 Credit Score

  • Seniors staying at home

Home Insurance Rate of $290/5 months for $250000-$300000 Coverage
Policy Holder Home Details :

Home Value : $270,000

3 Beds, 3 Bath 2220 sqft Primary Residence Constructed In 1989 with Ceramic Tile Flooring, Asphalt Shingles Roof, Chainwall Foundation, Fiber-Cement Siding, Wood Frame. Home Features Include Central Air Conditioning, FuseBox Electricals and Security by Monitoring Company

About Policy Holder:

71 Years old Divorced Male who is a Freelancer with household income of less than $25,000 and has More than 3 Pets at home and is a Non-Smoker

Additional Details :
  • 75-100% Mortgage Paid off

  • 550-599 Credit Score

Teays Rates & Quotes Analysis:

Teays Area Estimated House Insurance
E Lynn St, Maple Rd, Fletcher Dr, Henderson Ave, Caroline Dr, Co Rte 34/35, Cloverdale Acres, Blue Grass Ln, Eldorado Cir, Kara Ln$981
Countryside Ests, Martin's Rd, Village Dr, Greenbrier Ave, Ridgeview Ln, Tacketts Branch Rd, Wingfoot Dr, Cambridge Cir, Oakwood Ests, Bentwood Rd$996
Maple St, Winners Cir, Teays Villa, Taylor Dr, Regent St, Callingwood Rd, Big Creek Rd, Fletcher Rd, Benedict Rd, Co Rte 60/19$918
Rhoda St, Marina Dr, Hale St, Irene Cir, Lake Dr, Overlook Dr, Farmington Dr, Stricklin Rd, Country Side Ests, Lower Coach Rd$992
Roger Cir, Greenbrier Hills, Shan Ln, Baywood Dr, Oak Crest Dr, Kingswood Ests, Thomas Dr, Scott Dr, Hidden Acres, Hurricane Ave$921

Insurance rates are influenced by a number of factors including:

  • Year Built: 2,210 Homes (37% of total homes ) built between 1990 to 1999 in Teays are paying home insurance between $1,415-$1,430. Places close to Teays, WV such as while Teays Valley and Curry are cheaper by $16 and $92 respectively for similar homes.
  • Bedrooms: 1,804 4 bedrooms homes (31% of total homes ) in Teays are paying about $1,393. Areas near to Teays such as whereas Teays Valley and Curry are more economical by $16, $91 respectively for similar homes.
  • Auto Insurance Bundling: 1,167 Households (24% of all households) in Teays have 3 or more vehicles available and when it is bundled with home insurance you can save $245 and varies from Teays Valley ($242), Curry ($229), Hurricane ($234).
  • Senior Discounts: 2,043 seniors (more than 55 years) occupied housing units (42% of total) in Teays get discounts between $145 to $148. The comparative concessions in proximate regions such as Teays Valley, Curry and Hurricane are $145, $137 and $140 respectively.
  • New Homes discounts: New homes such as the 3,267 homes built between 2000 to 2009 in Teays can save $196 and similar new home insurance discounts in nearby towns and cities like Teays Valley, Curry and Hurricane are $194, $183 and $187 respectively.

Teays Homeowners insurance Facts

  • Teays, WV has 4,794 owner occupied houses which is 84.2% of all units whereas Teays Valley, Curry and Hurricane have 84.54%, 83.22% and 78.13% respectively.
  • Teays, WV homeowners yearly insurance price at $981 is 0.46% of the typical house value of $213,900 which is in contrast with 0.49% in Teays Valley, 0.77% at Curry & 0.63% in Hurricane.
  • Homeowners in Teays, WV pay 1.71% of their income ($45,000 to $49,999) in insurance whereas homeowners in Teays Valley, Curry and Hurricane pay 1.69%, 1.59% and 1.63% respectively.
  • Teays, WV’s insurance is 5.7% of monthly housing costs of $1,433/month, for owners with a mortgage compared to 5.99% in Teays Valley, 7.74% at Curry & 6.78% in Hurricane. But, for households without a mortgage, insurance is 24.5% of costs ($334 in Teays, WV) in contrast with 23.29% in Teays Valley, 25.05% at Curry & 22.57% in Hurricane.

Teays, WV Home Values & Insurance rates

For example, insurance for 192 Homes (4.0% of total homes ) valued between Less than $50,000 in Teays, WV is about $107.

Teays, WV Home By Value Total Homes % of Total Average Homeowners Insurance
Less than $50,000 192 4.0% $107
$60,000 to $69,999 47 1.0% $294
$70,000 to $79,999 104 2.0% $343
$80,000 to $89,999 158 3.0% $382
$90,000 to $99,999 106 2.0% $431
$100,000 to $124,999 228 4.0% $500
$125,000 to $149,999 354 7.0% $627
$150,000 to $174,999 435 9.0% $735
$175,000 to $199,999 509 11.0% $853
$200,000 to $249,999 889 19.0% $1030
$250,000 to $299,999 940 20.0% $1255
$300,000 to $399,999 603 13.0% $1599

Renters Insurance in Teays

  • Average Renters Insurance in Teays :  $100($8/month)

  • Median Gross Rent in Teays :  $680

  • Teays Renters Insurance to Median Rent Ratio:  1.18%

  • Average household size of renter-occupied unit :  2.17

Teays Renters Insurance as a Percentage of Rent

Teays Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
Less than $200 53 6.0% $325
$300 to $499 25 3.0% $1225
$500 to $749 442 54.0% $1900
$750 to $999 241 29.0% $2650
$1,500 or more 55 6.0% $5425

Rent Affordability in Teays:

Approximately 43.0% (394) of households are spending more than 35% of their income on gross rent in Teays

Occupied units paying gross rent Total Households % of Total
Less than 15.0 percent 215 23.0%
15.0 to 19.9 percent 69 7.0%
20.0 to 24.9 percent 124 13.0%
25.0 to 29.9 percent 83 9.0%
30.0 to 34.9 percent 16 1.0%
35.0 percent or more 394 43.0%

Teays Renters Insurance Discounts:

Teays Renters Insurance Discounts by Number of Vehicles in Renter Occupied Housing Units

Number of Vehicles in Teays, WV Number of Housing Units % of Total Renters Insurance Insurance Savings by Bundling Auto Insurance
1 vehicle available 430 47.0% $10.0
2 vehicles available 357 39.0% $15.0
3 or more vehicles available 38 4.0% $20.0

Teays Senior Citizen Discounts:

Age Senior Occupied Housing Units % of Total Discount offered
55 to 59 years 35 3.0% $68
60 to 64 years 44 4.0% $54
65 to 74 years 75 8.0% $44
75 years and over 14 1.0% $34

Protective device discount in Teays Up to :  $15

Claims-free discount in Teays Up to :  $20