Gavop's guide to buying homeowners insurance in Ashby, VA covers how to get the right coverage, optimize deductibles, identify the best agents, understand claim requirements, avail discount options, compare cheap quotes and research reviews.
| Ashby, VA - Neighbourhoods, Census Blocks & Streets | 3 Bedroom | 2 Bedroom | ||||
|---|---|---|---|---|---|---|
| Average Home Value | Estimated Replacement Value | Recommended Home Insurance Coverage | Average Home Value | Estimated Replacement Value | Recommended Home Insurance Coverage | |
| Eversole Rd, W Dry River Rd, State Rte 657, Lambert Town Rd, SW View St, Osceola Springs Rd, Ursa Ln, Slab Rd, Coakley Town Rd, N 3rd St | $175,000 | $160,000 | $125,000-$150,000 | $163,000 | $130,000 | $125,000-$150,000 |
| Battery Park Pl, W College St, Balsam Ln, Thorny Hollow Ln, Gray Squirrel Ln, Cemetery Dr, Trimble Rd, Fishwood Ct, Crousehorn Ln, Whitmore Shop Rd | $260,000 | $250,000 | $200,000-$250,000 | $106,000 | $90,000 | $75,000-$100,000 |
| Freelance Ln, Parkside Dr, Melissa Ct, State Rte 681, Bluff Overlook, Cedar St, Peach Orchard Dr, New Haven Rd, State Rte 765, State Rte 708 | $269,000 | $250,000 | $300,000-$350,000 | $172,000 | $160,000 | $150,000-$175,000 |
| Cecil Wampler Rd, State Rte 846, Vista Ln, Dry River Rd, Sunset Dr, Memorial Ln, Mill St, Keswick Cir, Tahoe Ct, State Rte 898 | $264,000 | $220,000 | $300,000-$350,000 | $237,000 | $200,000 | $250,000-$300,000 |
| Shoreshill Rd, State Rte 1901, Regency Dr, State Rte 739, Aberdeen Loop, Cowpatch Dr, Sunnyside Dr, Barrington Dr, Branch Point Dr, Long Run Rd | $328,500 | $290,000 | $250,000-$300,000 | $229,000 | $200,000 | $200,000-$250,000 |
| Brookstone Dr, Bexley Dr, Victory St, State Rte 712, Duck Run Rd, State Rte 923, Cannery Woods Rd, Kline Ct, McNett Dr, Sabrina Cir | $192,000 | $160,000 | $150,000-$175,000 | $142,000 | $130,000 | $150,000-$175,000 |
| Stillhouse Ln, Hone Quarry Rd, Glen Loch Ct, Dreaming Tree Ln, Cross Keys Rd, Welch Ln, Cannery Woods Dr, Greenhouse Rd, Rorrer Cir, State Rte 668 | $261,000 | $240,000 | $300,000-$350,000 | $130,000 | $110,000 | $125,000-$150,000 |
| State Rte 1002, Green Acres Ln, Baybrook Dr, Morris Pottery Rd, Quince Dr, Hickory Cove, Redbud Ln, Dice St, State Rte 751, State Rte 990 | $260,000 | $230,000 | $200,000-$250,000 | $229,000 | $190,000 | $175,000-$200,000 |
| State Rte 743, Greenwood St, State Rte 659, Millers Rd, Buzz Ln, Friedens Church Rd, Mount Clinton Pike, Slate Valley Ln, Hickory Point Trl, State Rte 652 | $170,500 | $150,000 | $150,000-$175,000 | $192,500 | $170,000 | $200,000-$250,000 |
| Barbee St, Well Hollow Rd, Wynant Pl, Shen Lake Rd, State Rte 726, George Wine Rd, Bennington Pl, Gladeview Ln, Curry Dr, Health Campus Dr | $189,000 | $170,000 | $175,000-$200,000 | $125,000 | $110,000 | $100,000-$125,000 |
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$132 | $646 |
| Superior Protection Discount | -$70 | $709 |
| Fire & Security Discount | -$70 | $709 |
| Hail Resistant Roof Discount | -$23 | $755 |
| Newly Constructed Home Discount | -$179 | $600 |
| Low Deductible ($500) | High Deductible ($2500) | |||||
|---|---|---|---|---|---|---|
| Place | Example Claim Amount | Yearly Premium | Total Yearly Cost | Yearly Premium | Total Yearly Cost | Net Savings for High Deductible Plan |
| Rockingham County | $700 | $845 | $1,545 | $614 | $1,314 | $231 |
| Ashby, VA | $700 | $769 | $1,469 | $559 | $1,259 | $210 |
| Deerfield, VA | $200 | $597 | $797 | $434 | $634 | $163 |
| Free Union, VA | $700 | $1,029 | $1,729 | $748 | $1,448 | $281 |
| Jack Jouett, VA | $500 | $868 | $1,368 | $631 | $1,131 | $237 |
| Lost River, WV | $1,500 | $864 | $2,364 | $628 | $2,128 | $236 |
| Albemarle County, VA | $500 | $989 | $1,489 | $719 | $1,219 | $270 |
| Nelson County, VA | $1,000 | $764 | $1,764 | $555 | $1,555 | $209 |
| Moorefield, WV | $300 | $658 | $958 | $478 | $778 | $180 |
| Bath County, VA | $700 | $692 | $1,392 | $503 | $1,203 | $189 |
| Esmont, VA | $1,500 | $762 | $2,262 | $554 | $2,054 | $208 |
| Home Insurance Company Ashby, VA | Homeowners Insurance Agency Ashby, VA | Address | Popularity Score | Distance from Ashby (miles) |
|---|---|---|---|---|
| Allstate | Steve Harper | 3042 Berkmar Dr Ste C, Charlottesville, VA, 22901 | 37.1 | |
| Erie | Blue Ridge Insurance Services Inc. | 116 Reservoir Street, Harrisonburg, VA, 22801 | 8.5 | |
| State Farm | Jeff Rebich | 9980 Spotswood Trail, Mcgaheysville, VA, 22840-2421 | 15.5 | |
| State Farm | Patrick Blevins | 108 E Midland Trl, Lexington, VA, 24450-5700 | 50.0 | |
| State Farm | Robert Teague | 454 S Main St, Broadway, VA, 22815 | 17.1 | |
| Allstate | Watson & Durrer Insurance | 8726 Seminole Trl Ste 3 Po Box 590, Ruckersville, VA, 22968 | 37.1 | |
| Erie | Staley Insurance Agency Inc. | 1105 Greenville Avenue, Staunton, VA, 24401 | 20.0 | |
| Erie | Ld&B Insurance & Financial Service | 205 S Liberty Street Suite A, Harrisonburg, VA, 22801 | 7.9 | |
| Travelers | Haun Magruder, Inc. | 214 North Main Street, Woodstock, VA, 22664 | 42.3 | |
| Erie | Hammer Insurance Agency Inc. | 611 S 3rd Street, Shenandoah, VA, 22849 | 22.0 |
| Place | Typical Home Value | Typical Home Insurance Costs | 25th Percentile | 75th Percentile | Potential Savings & Difference between 25th & 75th Percentile |
|---|---|---|---|---|---|
| Virginia | $255,800 | $952 | $660 | $1,310 | $650 |
| Rockingham County, VA | $206,700 | $856 | $620 | $1,190 | $570 |
| Ashby, VA | $236,400 | $779 | $530 | $1,110 | $580 |
| Deerfield, VA | $110,900 | $604 | $420 | $840 | $420 |
| Free Union, VA | $329,200 | $1,042 | $760 | $1,440 | $680 |
| Jack Jouett, VA | $331,800 | $879 | $610 | $1,260 | $650 |
| Lost River, WV | $168,200 | $874 | $640 | $1,210 | $570 |
| Albemarle County, VA | $329,600 | $1,001 | $690 | $1,430 | $740 |
| Nelson County, VA | $231,400 | $773 | $530 | $1,090 | $560 |
| Moorefield, WV | $94,900 | $666 | $450 | $920 | $470 |
| Bath County, VA | $151,100 | $700 | $480 | $990 | $510 |
| Esmont, VA | $157,100 | $771 | $520 | $1,060 | $540 |