Wellsburg Insurance Rates:

Wellsburg, WV home insurance is roughly $751 to $1,025, about $62-$85/month. Our detailed analysis shows customers can save upto $354 by getting multiple quotes

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Wellsburg, West Virginia Homeowners Insurance Reviews reveal the good & the bad so that you can compare the cheapest quotes from the best

Wellsburg Home Owner Insurance Quotes | Write a Review | Rates & Quotes Analysis
State Farm
Home Insurance Rate of $410/8 months for $125000-$150000 Coverage
Policy Holder Home Details :

Home Value : $125,000

5 Beds, 5 Bath 2640 sqft Primary Residence Constructed In 1972 with Stone Flooring, Tile Roof, Crawl Space Foundation, Stucco siding, Metal Frame Construction. Home Features Include Swimming Pool, FuseBox Electricals and Security by Monitoring Company

About Policy Holder:

43 Years old Single Female who is Unemployed and has 3 Pets and is a Non-Smoker

Additional Details :
  • 25-50% Mortgage Paid off

  • 550-599 Credit Score

  • Seniors staying at home

Home Insurance Rate of $40/1 month for $125000-$150000 Coverage
Policy Holder Home Details :

Home Value : $135,000

3 Beds, 3 Bath 1920 sqft Seasonal Residence Constructed In 1974 with Ceramic Tile Flooring, Shingles Roof, Chainwall Foundation, Stucco siding, Brick Frame. Home Features Include Indoor Sprinklers, Fire Extinguisher, Central Air Conditioning, FuseBox Electricals and Security by HomeOnly

About Policy Holder:

39 Years old Single Male who is Unemployed and has 2 Pets and is a Non-Smoker

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

  • Up to 499 Credit Score

  • Guests at home

Home Insurance Rate of $260/8 months for $100000-$125000 Coverage
Policy Holder Home Details :

Home Value : $115,000

3 Beds, 3 Baths 1670 sqft Rental Property Constructed In 1953 with Hardwood Flooring, Slate Shingles Roof, Slab Foundation, Stucco siding, Stucco Construction. Home Features Include Central Air Conditioning, Deadbolt Locks, Circuit Breaker Electricals and Security by HomeOnly

About Policy Holder:

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

Additional Details :
  • 25-50% Mortgage Paid off

  • 500-549 Credit Score

Home Insurance Rate of $390/8 months for $125000-$150000 Coverage
Policy Holder Home Details :

Home Value : $115,000

3 Beds, 3 Bath 2220 sqft Rental Property Constructed In 1946 with Carpet Flooring, Wood Shake Roof, Crawl Space Foundation, Stone Siding, Wood Frame. Home Features Include Fire Extinguisher, Fireplace, Smoke Alarm, Central Air Conditioning, Circuit Breaker Electricals and Security by HomeOnly

About Policy Holder:

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

Additional Details :
  • 25-50% Mortgage Paid off

  • 800-850 Credit Score

  • Guests at home

Home Insurance Rate of $730/6 months for $300000-$350000 Coverage
Policy Holder Home Details :

Home Value : $295,000

5 Beds, 5 Baths 4230 sqft Vacation Property Constructed In 1973 with Stone Flooring, Shingles Roof, Crawl Space Foundation, Fiber-Cement Siding, Wood Frame. Home Features Include Fire Extinguisher, Deadbolt Locks, Circuit Breaker Electricals and Security by HomeOnly

About Policy Holder:

67 Years old Married Female who is Retired and has More than 3 Pets at home and is a Smoker

Additional Details :
  • 50-75% Mortgage Paid off

  • 600-649 Credit Score

  • Seniors staying at home

Home Insurance Rate of $180/4 months for $125000-$150000 Coverage
Policy Holder Home Details :

Home Value : $115,000

4 Beds, 4 Baths 2420 sqft Rental Property Constructed In 1950 with Linoleum, Asphalt Shingles Roof, Crawl Space Foundation, Fiber-Cement Siding, Stucco Construction. Home Features Include Fireplace, Circuit Breaker Electricals and Security by Monitoring Company

About Policy Holder:

35 Years old Divorced Female who has a Full Time Job with household income of less than $25,000 and has No Pets and is a Smoker

Additional Details :
  • 25-50% Mortgage Paid off

  • 600-649 Credit Score

  • Seniors staying at home

  • Guests at home

Home Insurance Rate of $350/10 months for $75000-$100000 Coverage
Policy Holder Home Details :

Home Value : $85,000

4 Beds, 4 Baths 1730 sqft Seasonal Residence Constructed In 1956 with Linoleum, Tile Roof, Crawl Space Foundation, Fiber-Cement Siding, Wood Frame. Home Features Include Central Air Conditioning, Deadbolt Locks, Swimming Pool, Circuit Breaker Electricals and Security by Monitoring Company

About Policy Holder:

67 Years old Divorced Female who is Retired with household income of $25-50,000 and has 3 Pets and is a Non-Smoker

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

  • 750-799 Credit Score

  • Seniors staying at home

  • Guests at home

Home Insurance Rate of $80/3 months for $50000-$75000 Coverage
Policy Holder Home Details :

Home Value : $70,000

3 Beds, 3 Baths 1390 sqft Primary Residence Constructed In 1953 with Carpet over wood flooring, Wood Shake Roof, Piers Foundation, Vinyl siding, Brick Frame. Home Features Include Indoor Sprinklers, Copper Water Pipes, Circuit Breaker Electricals and Security by Monitoring Company

About Policy Holder:

36 Years old Married Female who is a Freelancer with household income of $50-$75,000 and has 2 Pets and is a Smoker

Additional Details :
  • 25-50% Mortgage Paid off

  • 550-599 Credit Score

  • Seniors staying at home

Home Insurance Rate of $670/8 months for $200000-$250000 Coverage
Policy Holder Home Details :

Home Value : $205,000

5 Beds, 5 Baths 3890 sqft Rental Property Constructed In 1988 with Carpet Flooring, Asphalt Shingles Roof, Piers Foundation, Stucco siding, Wood Frame. Home Features Include Swimming Pool, Indoor Sprinklers, Deadbolt Locks, FuseBox Electricals and Security by HomeOnly

About Policy Holder:

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

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

  • 800-850 Credit Score

  • Seniors staying at home

Home Insurance Rate of $260/6 months for $175000-$200000 Coverage
Policy Holder Home Details :

Home Value : $220,000

5 Beds, 5 Baths 3380 sqft Primary Residence Constructed In 1971 with Ceramic Tile Flooring, Slate Shingles Roof, Piers Foundation, Fiber-Cement Siding, Brick Frame. Home Features Include Copper Water Pipes, Smoke Alarm, Swimming Pool, FuseBox Electricals and Security by Monitoring Company

About Policy Holder:

51 Years old Divorced Male who has a Full Time Job with household income of $100-$150,000 and has 2 Pets and is a Non-Smoker

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

  • 500-549 Credit Score

Home Insurance Rate of $340/7 months for $150000-$175000 Coverage
Policy Holder Home Details :

Home Value : $140,000

3 Beds, 3 Bath 2370 sqft Vacation Property Constructed In 1981 with Stone Flooring, Tile Roof, Piers Foundation, Brick siding, Wood Frame. Home Features Include Fire Extinguisher, FuseBox Electricals and Security by HomeOnly

About Policy Holder:

31 Years old Divorced Male who is a Freelancer with household income of $25-50,000 and has More than 3 Pets at home and is a Non-Smoker

Additional Details :
  • 75-100% Mortgage Paid off

  • 750-799 Credit Score

Wellsburg, WV Home Insurance by Zip Code

Zip Code Median Home Value Median Homeowners Insurance
26070 $82,400 $900

Wellsburg Rates & Quotes Analysis:

Wellsburg Area Estimated House Insurance
Summit Ave, Sidney Rd, 8th St, Co Hwy 27/5, Green Run Rd, 18th St, Marshall St, Washington Pike, N High St, 1st St$888
Hill St, Hill Rd, Marshall Ave, Co Hwy 18/3, 16th St, Point Breeze Dr, Co Hwy 32/1, Buckey Hill Rd, State Rte 27, 6th St$905
Co Hwy 28/3, Jamison Ln, Cramblet St, Fairway, Old Washington Pike, State St, Atchinson Rd, 9th St, Co Hwy 27/6, Kircher Ave$876
Apple St, Hedges Run Rd, Rine St, Pine Ter, Co Hwy 7, Hawthorne Acres, Maple Ln, Windy Hill and Hukill Run Rd, Shelby Ln, Irish Est$873
Longs Run Rd, Bealls Ridge Rd, Majestic Ln, Park Addition, 26th St, Pendleton St, Co Hwy 3/2, 12th St, Northview Rd, Apple Pie Ridge Rd$883

Insurance rates are influenced by a number of factors including:

  • Year Built: 1,261 Homes (36% of total homes ) built between 1939 or earlier in Wellsburg are paying home insurance between $1,898-$1,912. Places close to Wellsburg, WV such as Bethany, Brooke County, West Liberty are more expensive by $37, $16, $50 respectively while Brilliant(OH) and Beech Bottom are cheaper by $477 and $28 respectively for similar homes.
  • Bedrooms: 578 4 bedrooms homes (16% of total homes ) in Wellsburg are paying about $1,259 compared to Bethany (+$26), Brooke County (+$10), West Liberty (+$33), Brilliant(OH) (-$263) and Beech Bottom (-$17).
  • Auto Insurance Bundling: 395 Households (15% of all households) in Wellsburg have 3 or more vehicles available and when it is bundled with home insurance you can save $221. Discounts for similar bundling in close by locations such as Bethany, Brooke County, Follansbee come to $226, $223, $223 respectively.
  • Senior Discounts: 1,288 seniors (more than 55 years) occupied housing units (50% of total) in Wellsburg get discounts between $132 to $135. The comparative concessions in proximate regions such as Bethany, Brooke County and Brilliant(OH) are $135, $134 and $99 respectively.
  • New Homes discounts: New homes such as the 845 homes built between 2000 to 2009 in Wellsburg can save $177 and differs from Bethany ($181), Brooke County ($178), Follansbee ($178).

Wellsburg Homeowners insurance Facts

  • Wellsburg, WV has 2,542 owner occupied houses which is 82.7% of all units whereas Bethany, Brooke County and Follansbee have 68.37%, 77.95% and 79.55% respectively.
  • Wellsburg, WV homeowners yearly insurance price at $887 is 1.19% of the typical house value of $74,600 which is in contrast with 0.91% in Bethany, 1.07% at Brooke County & 1.06% in Follansbee.
  • Homeowners in Wellsburg, WV pay 7.1% of their income ($10,000 to $14,999) in insurance whereas homeowners in Bethany, Brooke County and Follansbee pay 7.24%, 7.15% and 7.15% respectively.
  • Wellsburg, WV’s insurance is 8.8% of monthly housing costs of $837/month, for owners with a mortgage compared to 8.38% in Bethany, 8.5% at Brooke County & 8.41% in Follansbee. But, for households without a mortgage, insurance is 24.4% of costs ($303 in Wellsburg, WV) in contrast with 20.49% in Bethany, 25.43% at Brooke County & 26.9% in Follansbee.

Wellsburg, WV Home Values & Insurance rates

For example, insurance for 300 Homes (11.0% of total homes ) valued between $100,000 to $124,999 in Wellsburg, WV is about $1,303. Rates in nearby areas in such as Bethany, Brooke County, Follansbee are cheaper by $308, $132, $141 respectively while Beech Bottom and Windsor Heights are costlier by $412 and $486 respectively for similar homes.

Wellsburg, WV Home By Value Total Homes % of Total Average Homeowners Insurance
Less than $50,000 664 26.0% $292
$50,000 to $59,999 347 13.0% $620
$60,000 to $69,999 181 7.0% $771
$70,000 to $79,999 172 6.0% $887
$80,000 to $89,999 188 7.0% $1002
$90,000 to $99,999 154 6.0% $1126
$100,000 to $124,999 300 11.0% $1303
$125,000 to $149,999 63 2.0% $1632
$150,000 to $174,999 191 7.0% $1924
$175,000 to $199,999 76 3.0% $2226
$200,000 to $249,999 86 3.0% $2678
$250,000 to $299,999 63 2.0% $3273
$300,000 to $399,999 26 1.0% $4160

Renters Insurance in Wellsburg

  • Average Renters Insurance in Wellsburg :  $324($27/month)

  • Median Gross Rent in Wellsburg :  $524

  • Wellsburg Renters Insurance to Median Rent Ratio:  5.15%

  • Renter occupied housing units in Wellsburg :  533

Wellsburg Renters Insurance as a Percentage of Rent

Wellsburg Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
Less than $200 32 6.0% $381
$200 to $299 10 2.0% $831
$300 to $499 158 32.0% $1281
$500 to $749 205 42.0% $1956
$750 to $999 51 10.0% $2706
$1,000 to $1,499 24 5.0% $3831

Rent Affordability in Wellsburg:

Approximately 33.0% (179) of households are spending more than 35% of their income on gross rent in Wellsburg

Occupied units paying gross rent Total Households % of Total
Less than 15.0 percent 119 22.0%
15.0 to 19.9 percent 49 9.0%
20.0 to 24.9 percent 67 12.0%
25.0 to 29.9 percent 88 16.0%
30.0 to 34.9 percent 31 5.0%
35.0 percent or more 179 33.0%

Wellsburg Renters Insurance Discounts:

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

Number of Vehicles in Wellsburg, WV Number of Housing Units % of Total Renters Insurance Insurance Savings by Bundling Auto Insurance
1 vehicle available 283 53.0% $32.4
2 vehicles available 115 21.0% $48.6
3 or more vehicles available 22 4.0% $64.8

Wellsburg Senior Citizen Discounts:

Age Senior Occupied Housing Units % of Total Discount offered
55 to 59 years 30 5.0% $52
60 to 64 years 30 5.0% $41
65 to 74 years 19 3.0% $34
75 years and over 69 12.0% $26

Protective device discount in Wellsburg Up to :  $48

Claims-free discount in Wellsburg Up to :  $64