Home Insurance in Beckley, WV
VIU by HUB helps you get quotes for home insurance in Beckley, WV, so you can choose your policy and get back to your day quickly.
Beckley, WV, is a small, independent city and home to more than 17,000 people. The area is popular thanks to its stunning views of the New River Gorge National River, numerous hiking trails and gorgeous natural landmarks.
In addition to beauty, residents of Beckley enjoy a cost of living that is 25% more affordable than the national average. Housing, groceries, transportation and child care are all priced below the national average. The median home value is $106,500, compared to the national median of $338,100. Homeowners see an appreciation rate of 8.7%, making living in the area a smart decision.
The average cost of home insurance in Beckley, WV, is $1,339 per year, a bit more affordable than the national average of $1,582 per year. The type of policy you choose, the amount of coverage you want and certain risk factors all determine into your exact costs.
One of the first things insurers look at is your location and how crime and climate affect the area. Living in an area with high property crime rates means you'll probably pay more for coverage. Unfortunately, Beckley has high property crime at 95.1 on a scale of 1-100. This is well above the national average of 35.4.
You may also pay more if you live in an area prone to natural disasters. The biggest issue in Beckley is typically flooding since the area gets more rain and snow per year (42 and 52 inches, respectively) than the national average. However, standard home policies don't cover floods, so you'll need to purchase additional coverage if you know your property is prone to flooding.
The home is important as well. When searching for quotes, you'll likely answer questions about its square footage, its materials, whether it has any unique features, the age of the roof and the age of major systems like heating, plumbing and electricity. Homes with updated systems and security options are the most affordable to insure.
Your personal history matters, too. You may pay more for insurance if you have a poor credit score. The same can be said if you've filed claims in the past. You may even pay more if you're single since data shows that married people file fewer claims. Other situations that may cause you to pay more include being far from a fire station, owning certain dog breeds, owning exotic animals and owning attractive nuisances like pools or trampolines.
Home insurance in Beckley, WV, covers many situations.
Don't worry if you don't know where to start searching for home insurance in Beckley, WV. VIU by HUB has you covered. Its quick and easy comparison tool lets you find and compare quotes from reputable insurers and complete the purchase process. You can even sync all your policies in one place.
This information is intended for general informational purposes only and is not intended to constitute legal advice.
