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Morgantown, WV Home Values & Insurance Rates

Morgantown, WV Home Value Total Homes % of Total Average Homeowners Insurance
Less than $50,000 373 10.0% $133
$50,000 to $59,999 109 2.0% $285
$60,000 to $69,999 39 1.0% $352
$70,000 to $79,999 89 2.0% $409
$80,000 to $89,999 65 1.0% $466
$90,000 to $99,999 66 1.0% $524
$100,000 to $124,999 601 16.0% $600
$125,000 to $149,999 325 8.0% $752
$150,000 to $174,999 380 10.0% $895
$175,000 to $199,999 536 14.0% $1038
$200,000 to $249,999 562 15.0% $1248
$250,000 to $299,999 270 7.0% $1524
$300,000 to $399,999 269 7.0% $1934

Top Home Insurance Agents Near Morgantown, WV

Home Insurance Company Near Morgantown, WV Homeowners Insurance Agency Near Morgantown, WV Address
NA E&M Insurance Agency Inc 13680 Harriet Dr , Irwin, PA, 15642
NA J L Gage Insurance Services, Llc Route 2 Box 472-B, Bridgeport, WV, 26330
Farmers Eric Ash 475 Swiss Way, Elizabeth, PA, 15037
Nationwide Ryan Parrack 236 S Kanawha Street, Buckhannon, WV, 26201-9700
Allstate Timothy Popicg 100 Washington Ave, Wheeling, WV, 26003

Estimated Home Insurance By Street Area Near Morgantown, WV

Morgantown Area Estimated House Insurance
Sylvan Cir, Woodland Bluff Rd, Bowlby Rd, Woodland Cove Rd, Windham Pl, Plum Cir, Caddell St, Co Rd 73/12, Vista Pl, Buckeye Rd$902
Mulberry St, Tampa St, Overhill St, Manor Pl, Henderson St, Hogue St, Negley St, Denver Ave, Hawkins Run, N High St$923
Madora Dr, Gilmore St, Monongahela Blvd, Co Rd 68, Dayton St, Wise Rd, Fenwick Ave, Koontz Ave, T601, West Virginia Ave$953
Mayfield Ave, Beverly Ave, Tara Pl, Richard Ave, Co Rd 68/2, Shaffer Rd, Randall Ave, Ash St, Willowdale Rd, Freestone Way$959
S Hills Dr, Headlee Ave, Delrose Dr, Dunkard Ave, Mooresville Rd, Walnut St, Chaplin Rd, Nolan St, Astor Ave, Pythian St$905
Dents Rd, Grove St, Globe Ave, West St, Lane St, Poplar Woods Dr, Linden Ave, Greenbag Rd, Ted Wilson Dr, Ensign Ave$912
Montgomery Ave, Canterberry Dr, Poling Rd, Don Knotts Blvd, Ice S Ferry Rd, Eugeniva Ave, Falling Run Rd, Chalfant Aly, Overdale St, Gainer St$910
Marion Meadows Dr, Summits Ridge, Camp Mountaineer Rd, Foundry St, N Parkview Dr, Lindel St, Legion St, Bailey Cir, Brockway Ave, Monongahela Ave$960
Lashley St, Westwood Ave, Oak Ct, Master Graphics Rd, Vincent St, Holly Ln, Blacks Run Rd, Drummond St, Easton Hill Rd, Powell Ave$988
4th St, Park St, Bertha Hill Rd, Arbogast Ln, Erow Ave, Red Bud St, Kentucky St, Co Rd 41, Alpine Ave, 8th St$893

Savings on home insurance for senior occupied homes

PlaceSavings
Morgantown$141 to $144
Central$142
Westover$138
Star City$139

Morgantown, WV 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
Morgantown, WV7.2%23.1%
Central7.16%23.75%
Westover7.78%23.81%
Star City7.33%23.94%

Morgantown Renters Insurance as a Percentage of Rent

Morgantown Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
Less than $200 72 1.0% $341
$200 to $299 130 2.0% $791
$300 to $499 1,212 20.0% $1241
$500 to $749 2,354 39.0% $1916
$750 to $999 1,139 19.0% $2666
$1,000 to $1,499 840 14.0% $3791
$1,500 or more 196 3.0% $5441

Morgantown, WV Home Insurance Costs With Deductible Scenario

Low DeductibleHigh Deductible
Deductible$1,100$2,100
Yearly Morgantown Homeowner Insurance Premium Example $700$500
Out of Pocket Expense During Claim$1,100$2,100
Total Home Insurance Premium for 8 years + Out of Pocket Expense for Claim $6,700$6,100
Net Savings to Morgantown Home Owner from High Deductible Plan $600

Morgantown, WV Home Insurance Costs With Home Replacement Value Scenarios

Scenario Morgantown, WV Home Replacement Value MORE than Home Value Morgantown, WV Home Replacement Value LESS than Home Value
Replacement Value $217,500 $148,000
Insurance Premium based on Replacement Value $1,250 $850
Risk Exposure from Under Insuring Coverage Unnecessary Home Insurance Coverage of $39,500 Risk Exposure from Under Insuring Coverage is $30,000
Premium Impact Insurance cheaper by $175/year Insurance costlier by $225/year

Example Morgantown Homeowners Insurance Comparison Table to Compare The Cheapest Quotes

Insurance Company Liberty MutualNationwide InsuranceGEICO Insurance
Monthly Premium 367356
Year Built 195319701948
Home Details 2 Beds, 1 Baths5 Beds, 2 Baths4 Beds, 2 Baths
Coverage Amount $100000-$125000$150000-$175000$200000-$250000
Deductible $500- $1000 Deductible$500- $1000 Deductible$5000 to $10,000 Deductible

Morgantown, WV Auto & Home Insurance Bundling Discounts

Place 1 Car Bundle Savings 2 Car Bundle Savings 3 Car Bundle Savings
Central district, Monongalia County, West Virginia $119 $159 $238
Westover city, West Virginia $115 $153 $230
Star City town, West Virginia $116 $155 $232

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

Year Built Home Value Roof Type Sqft Number of Bedrooms Deductible Premium Premium Months Siding Type Smoker/Non Smoker
2012 485,000 Wood Shake Roof 4,260 5 $500- $1000 Deductible 380 2 Brick siding yes
2010 240,000 Tile Roof 2,980 4 $500- $1000 Deductible 110 1 Stone Siding yes
1960 295,000 Slate Shingles Roof 3,140 5 $1000-$2500 Deductible 820 10 Wood siding yes
1949 290,000 Tile Roof 3,310 4 > $10,000 Deductible 350 6 Vinyl siding No
1987 165,000 Shingles Roof 1,710 4 $1000-$2500 Deductible 350 6 Stone Siding No
1963 220,000 Metal Roof 2,390 3 $5000 to $10,000 Deductible 140 2 Fiber-Cement Siding No
1979 180,000 Slate Shingles Roof 2,220 4 $1000-$2500 Deductible 650 7 Wood siding yes
1987 150,000 Slate Shingles Roof 1,370 3 $500 Deductible 670 12 Brick siding yes
1957 105,000 Metal Roof 1,290 2 $1000-$2500 Deductible 390 10 Wood siding No
1956 200,000 Asphalt Shingles Roof 1,750 3 > $10,000 Deductible 140 5 Fiber-Cement Siding No
1958 165,000 Composition Roof 1,870 5 $500- $1000 Deductible 480 7 Fiber-Cement Siding yes
1982 155,000 Asphalt Shingles Roof 1,640 4 $1000-$2500 Deductible 670 12 Vinyl siding No
1953 120,000 Wood Shake Roof 1,038 2 > $10,000 Deductible 690 8 Fiber-Cement Siding yes