Home Insurance in Parkersburg, WV
Find the right home insurance in Parkersburg, WV, for your needs.
Located about 64 miles north of Charleston, Parkersburg, WV, has a proud history reaching back to the 1700s. Nearly 30,000 people call the city home, and about 64% of households own their primary residence. Whether you live in a brick ranch home along the Ohio River or a Victorian house in the Washington Avenue Historic District, you need home insurance to protect this large investment.
You get to enjoy all four seasons in Parkersburg, which has a humid continental climate known for warm summers and cold winters. With 42 inches of rain per year and 16 inches of snow, Parkersburg has its share of storms that can damage homes due to moisture and high winds.
During nice weather, residents can visit Blennerhassett Island on the Ohio River to learn more about the history of the area. Another option is located just two miles from Parkersburg. Fort Boreman Historical Park has nice trails with scenic overlooks of the Ohio and Little Kanawha Rivers.
In an unpredictable world, you need solid home insurance in Parkersburg, WV, to protect the value of your property. Without insurance, you might not have the resources to repair damage after a storm or a fire. To find the best value for a policy that fits your needs you can explore VIU by HUB. This site allows you to make side-by-side comparisons of rates and features from multiple insurers.
How much you pay for home insurance depends upon many factors. The following items play a role in the cost of annual premiums:
How much you pay for homeowners insurance also depends upon where you live. Residents of West Virginia typically pay less than the national average. In Parkersburg, the average cost of insurance is about $1,100 a year. While you could pay more or less, a sense of the average cost can help when comparing rates from insurers.
Insurance plans vary and deciding on the best options for your policy is crucial. For starters, you will likely wish to concentrate on protections in these key areas:
You will also need to decide upon coverage and deductible levels. A higher coverage level will cost more upfront, but it could save you a bundle if you have a large claim. Higher deductibles will lower your premiums, but they could result in more out-of-pocket expenses. Additional insurance for such things as floods or earthquakes has similar pros and cons.
If you reside along the Ohio River, you likely face a higher risk for floods than someone on high ground away from bodies of water. Older homes are often more vulnerable to the storms that sometimes sweep through West Virginia.
With a high rate of property crimes in the city, you need to protect your belongings from burglaries with comprehensive home insurance in Parkersburg, WV. In fact, your chance of being a victim of a property crime is twice as high as the state average.
By visiting VIU by HUB you can explore the insurance features you need for home protection. Comparing quotes from multiple insurers helps you find an affordable policy.
This information is intended for general informational purposes only and is not intended to constitute legal advice.
