Weirton Home Insurance
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Homeowners Need Weirton Home Insurance
Weirton, WV, has lovely summers, with temperatures ranging from the low 70s to the low 80s and clear, blue skies. While June is the rainy season, residents can still catch beautiful days in the Northgate Historic District and Tomlinson Run State Park. Winters, on the other hand, are noticeably cold and windy. Snow falls from November through March, and rains continue when temperatures are above freezing, making for wet and cloudy holidays.
This small city holds over 18,000 people. the majority of whom are white, though there are vibrant Asian, Hispanic and Black communities as well. A significant portion ( 35.7% ) of residents are over 54, and 24.1% of all adults have attended some college. Among working adults, education, accommodation, health care, manufacturing and retail are the largest employment industries. Weirton is also incredibly safe, with an impressively low crime rate compared to the state and nation.
Weirton's cost of living is lower than the national average, allowing residents to stretch their dollars further. This applies to real estate, which is incredibly affordable compared to the rest of the U.S. In fact, 88.3% of homes cost $294,000 or less, allowing nearly 65% of residents to own their houses. However, it's important to note that many of these homes are 60 to 80 years old, as the original owners built them with the GI Bill after World War II.
Weirton Home Insurance Facts
Where you live plays a big role in what risks affect your home. For example, cities closer to the coast have a bigger risk of hurricane and tropical storm damage, which raises homeowners' insurance rates. Larger cities may also have higher rates due to a higher cost of living and pricier properties. After all, the more your insurance carrier has to pay out, the more it will charge in premiums to balance the cost.
Standard home insurance policies have several types of coverage:
- General liability
- Personal property
- Dwelling
These cover damage from natural disasters, property crimes and accidents at the location. However, there are a few exceptions, such as volcanic eruption and flood damage. You can usually add this coverage as supplemental policies, which costs more money.
Insurance Risks in Weirton
The age of homes in Weirton may impact insurance rates, as they're more vulnerable to extreme weather. While homeowners insurance doesn't cover wear and tear, it does cover storm damage to older structures, and the city has seen its fair share of harsh storms since 1950 :
- 28 winter storms and 30 ice storms
- 1,000 hailstorms
- 61 heavy snows and three blizzards
- 2,890 heavy thunderstorms
- 851 floods
Older homes may also put residences at risk of fire, as most electrical systems last about 40 years. The building codes were also quite different in the 1940s, which means the houses may not be safe according to today's standards.
Premium Prices in West Virginia
Weirton residents pay an average of $1,251 annually for home insurance. This is about 12% less than the state average and 31% less than the national average. The low crime rate and cost of living likely play a role in this affordability.
VIU by HUB for Weirton Home Insurance
Even if the Weirton area has relatively low premiums, comparing quotes is still a good idea. VIU by HUB allows you to do so easily, as the program pulls information from multiple insurers. That means less time calling agencies and more time checking out the various perks of each policy.
This information is intended for general informational purposes only and is not intended to constitute legal advice.