Martinsburg Insurance Rates:

Martinsburg, WV homeowners insurance is about $797 to $1,093, about $66-$91/month. Our exhaustive research reveals consumers can save as much as $378 by comparing multiple quotes. Enter your zipcode below and click “GO” to get multiple free quotes.

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Martinsburg, WV Homeowners Insurance By Home Value

Martinsburg, WV Home Value Total Homes % of Total Average Martinsburg, WV Homeowners Insurance
Less than $50,000 117 2.0% $141
$50,000 to $59,999 68 1.0% $302
$60,000 to $69,999 186 4.0% $378
$70,000 to $79,999 195 4.0% $444
$80,000 to $89,999 204 5.0% $500
$90,000 to $99,999 307 7.0% $557
$100,000 to $124,999 486 12.0% $642
$125,000 to $149,999 299 7.0% $812
$150,000 to $174,999 421 10.0% $954
$175,000 to $199,999 397 10.0% $1105
$200,000 to $249,999 877 22.0% $1332
$250,000 to $299,999 192 4.0% $1625
$300,000 to $399,999 182 4.0% $2069

Top Home Insurance Agents Near Martinsburg, WV

Home Insurance Company Near Martinsburg, WV Homeowners Insurance Agency Near Martinsburg, WV Address
NA Anchor Insurance Services, Inc. 339 Tschiffely Square Road, Gaithersburg, MD, 20883
State Farm Brad Will 124 E Main St, Everett, PA, 15537-1258
State Farm Jerry Williams 1885 Edwin Miller Boulevard, Martinsburg, WV, 25404-7572
Allstate Mo Parsay 44355 Premier Plz Ste 210, Ashburn, VA, 20147
Allstate Steve Blair 7310 Grove Rd Ste 111, Frederick, MD, 21704

Cost Of Homeowners Insurance By Street Near Martinsburg, WV

Streets in Martinsburg Area Homeowners Insurance Cost
Airport Rd, Greenbriar Rd, Harness Race Rd, Squaw Ter, Huttons Vireo Dr, Innisbrook Ln, Ring St, N Teal Rd, Gates St, Clyde Borum Rd$967
Rosedale Rd, Kingree Dr, Twigg Dr, Picture Mountain Dr, Redyns Dr, Butler St, Lirdale Farm Ln, Co Rte 8, Waverly Ct, Hendrick Ave$955
Mule Skinner Ln, Maplewood Dr, Sprinkle Mill Rd, N Church St, Lawn St, State Cir, Co Rte 45/5, Classic Vanville Rd, Co Rte 9/27, Kisner Ln$948
Veterans Way, Co Rte 45/5, Nadenbouch Ln, Robbie Ln, N Maple Ave, Gotland Cir, Chris Dr, Opequon Dr, Terrace St, Johnson Rd$948
Durango Ct, Hunters Woods Ln, Princeton St, Grant Pl, Clematis Ct, Upper Rd, Beth St, Butler Ave, Northwoods Dr, Lineweaver Ln$958
Arden Development, Ginger Dr, Cosmos Dr, N Louisiana Ave, Vaughndom Way, Ours Dr, Cearfoss Ave, W South St, Richwood Hall Rd, Tavern Rd$953
Koncer Dr, Edsel Ave, Straight St, Cherry Tree Dr, Junkyard Ln, Plaza Ct, Hoffman Rd, South St, Charles Town Rd, Sialia Way$956
Windewald Blvd, Fescue Ct, Opequn Way, Doe Run Rd, Doll Baby Ln, Tather Dr, Link Dr, Old Shepherdstown Rd, E Race St, S Tennessee Ave$946
Industrial Pkwy, Morningside Dr, Model T Ln, Brian Dr, Fescue Rd, Adad Way, Burkharts Ln, Litchfield Ln E, Dailey St, Shepherdstown Rd$956
School House Rd, Hilltop Rd, Harlan Spring Rd, Broad St, Hillcrest Heights Dr, Sheridan Ave, S Illinois Ave, Smallwood Dr, Courthouse Dr, Co Rte 5/7$947

Martinsburg, WV Home Insurance Savings For Senior Occupied Homes

PlaceSavings For Senior Occupied Homes
Martinsburg$140 to $142
Adam Stephens$140
Norborne$148
Berkeley County$142

Martinsburg, WV Auto & Homeowners Insurance Bundling Discounts

Place 1 Car Bundle Savings On Insurance 2 Car Bundle Savings On Insurance 3 Car Bundle Savings On Insurance
Adam Stephens district, Berkeley County, West Virginia $140 $187 $281
Norborne district, Berkeley County, West Virginia $148 $197 $296
Berkeley County, West Virginia $143 $190 $285

Martinsburg, WV Area Home Insurance as a % of Housing Cost

PlaceHome insurance as a % of housing cost for homes with mortgageHome insurance as a % of housing cost for homes without mortgage
Martinsburg, WV5.4%23.7%
Adam Stephens5.79%23.33%
Norborne4.6%19.92%
Berkeley County5.75%24.14%

Martinsburg Renters Insurance as a Percentage of Rent

Martinsburg Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
Less than $200 81 2.0% $346
$200 to $299 289 8.0% $796
$300 to $499 383 11.0% $1246
$500 to $749 983 30.0% $1921
$750 to $999 952 29.0% $2671
$1,000 to $1,499 541 16.0% $3796

Martinsburg, WV Home Insurance Costs With Deductible Scenario

Low DeductibleHigh Deductible
Deductible$1,000$2,000
Yearly Martinsburg Homeowner Insurance Premium Example $700$500
Out of Pocket Expense During Claim$1,000$2,000
Total Home Insurance Premium for 8 years + Out of Pocket Expense for Claim $6,600$6,000
Net Savings to Martinsburg Home Owner from High Deductible Plan $600

Martinsburg, WV Home Insurance Costs With Home Replacement Value Scenarios

Scenario Martinsburg, WV Home Replacement Value MORE than Home Value Martinsburg, WV Home Replacement Value LESS than Home Value
Replacement Value $160,000 $95,000
Insurance Premium based on Replacement Value $900 $550
Risk Exposure from Under Insuring Coverage Unnecessary Home Insurance Coverage of $40,500 Risk Exposure from Under Insuring Coverage is $24,500
Premium Impact Insurance cheaper by $125/year Insurance costlier by $225/year

Example Martinsburg Homeowners Insurance Comparison Table to Compare The Cheapest Quotes

Insurance Company Liberty MutualState FarmAmica Mutual Insurance Company
Monthly Premium 936376
Year Built 200420141961
Home Details 4 Beds, 1 Baths2 Beds, 1 Baths5 Beds, 4 Baths
Coverage Amount $250000-$300000$125000-$150000$200000-$250000
Deductible $500 Deductible$500 Deductible$2500-$5000 Deductible

Sample Home Insurance Rates for Martinsburg, WV from Consumer Reviews & Surveys

Year Built Home Value Roof Type Sqft Number of Bedrooms Deductible Premium Premium Months Siding Type Smoker/Non Smoker
1964 115,000 Asphalt Shingles Roof 1,280 2 $1000-$2500 Deductible 350 8 Stone Siding No
1969 175,000 Shingles Roof 1,690 3 $500- $1000 Deductible 390 5 Stucco siding No
1980 135,000 Tile Roof 1,300 2 $500- $1000 Deductible 230 5 Stone Siding No
1942 105,000 Shingles Roof 1,240 2 $500 Deductible 320 8 Stucco siding No
2003 150,000 Asphalt Shingles Roof 1,670 2 $5000 to $10,000 Deductible 390 7 Stone Siding yes
2004 170,000 Composition Roof 1,550 2 $5000 to $10,000 Deductible 290 8 Stone Siding No
1944 160,000 Slate Shingles Roof 2,130 3 $5000 to $10,000 Deductible 110 2 Brick siding yes
2013 260,000 Wood Shake Roof 2,780 4 $500- $1000 Deductible 740 8 Wood siding yes
1943 105,000 Wood Shake Roof 1,110 2 $2500-$5000 Deductible 300 7 Brick siding yes
1941 115,000 Slate Shingles Roof 1,430 3 $500- $1000 Deductible 90 2 Brick siding yes
2010 170,000 Membrane Roof 1,710 3 $2500-$5000 Deductible 110 2 Wood siding yes
2004 115,000 Slate Shingles Roof 1,220 2 $1000-$2500 Deductible 500 12 Stucco siding No
2003 200,000 Composition Roof 2,350 3 $500- $1000 Deductible 220 3 Brick siding yes
1962 240,000 Shingles Roof 2,290 3 $1000-$2500 Deductible 300 4 Vinyl siding No
1979 205,000 Tile Roof 2,250 5 $2500-$5000 Deductible 340 6 Wood siding No
1968 245,000 Wood Shake Roof 2,450 5 $500- $1000 Deductible 690 7 Stone Siding yes
1982 405,000 Membrane Roof 3,650 5 $1000-$2500 Deductible 810 6 Brick siding yes
1967 160,000 Wood Shake Roof 1,560 2 $1000-$2500 Deductible 390 7 Fiber-Cement Siding No
1987 135,000 Shingles Roof 1,480 3 $500- $1000 Deductible 40 1 Stone Siding yes
1977 165,000 Composition Roof 1,520 3 $500 Deductible 680 8 Wood siding No
1987 145,000 Asphalt Shingles Roof 1,450 2 $500 Deductible 480 9 Vinyl siding No
1942 130,000 Composition Roof 1,430 2 $500 Deductible 320 5 Fiber-Cement Siding No
1989 150,000 Shingles Roof 1,610 3 $1000-$2500 Deductible 690 10 Fiber-Cement Siding yes
1949 215,000 Membrane Roof 2,310 5 $1000-$2500 Deductible 420 5 Fiber-Cement Siding yes
2009 130,000 Membrane Roof 1,390 2 $2500-$5000 Deductible 40 1 Fiber-Cement Siding No
2014 205,000 Tile Roof 1,900 5 $1000-$2500 Deductible 370 4 Fiber-Cement Siding No
1974 220,000 Metal Roof 2,180 4 $5000 to $10,000 Deductible 360 7 Wood siding yes
1966 210,000 Composition Roof 2,370 4 $1000-$2500 Deductible 620 7 Stone Siding yes
1942 160,000 Shingles Roof 1,530 5 $5000 to $10,000 Deductible 220 5 Vinyl siding No
1946 305,000 Membrane Roof 3,770 5 $5000 to $10,000 Deductible 340 4 Vinyl siding yes
1941 385,000 Asphalt Shingles Roof 4,110 5 $5000 to $10,000 Deductible 80 1 Stone Siding yes
1965 270,000 Membrane Roof 2,910 5 $2500-$5000 Deductible 470 8 Wood siding No