Gavop's guide to buying homeowners insurance in Gills Creek, 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.
| Bedrooms | Average Home Value | Estimated Replacement Value | Recommended Home Insurance Coverage |
|---|---|---|---|
| 1 Bedroom | $122,000 | $110,000 | $125,000-$150,000 |
| 2 Bedroom | $263,000 | $210,000 | $250,000-$300,000 |
| 3 Bedroom | $338,500 | $310,000 | $250,000-$300,000 |
| 4 Bedroom | $566,000 | $530,000 | $500,000-$600,000 |
| 5 Bedroom | $680,500 | $570,000 | $600,000-$700,000 |
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$129 | $790 |
| Superior Protection Discount | -$92 | $826 |
| Fire & Security Discount | -$101 | $817 |
| Hail Resistant Roof Discount | -$28 | $891 |
| Newly Constructed Home Discount | -$220 | $698 |
| 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 |
| Franklin County | $1,500 | $788 | $2,288 | $572 | $2,072 | $215 |
| Gills Creek, VA | $1,000 | $907 | $1,907 | $659 | $1,659 | $248 |
| Westlake Corner, VA | $300 | $1,673 | $1,973 | $1,216 | $1,516 | $457 |
| Penhook, VA | $1,000 | $1,646 | $2,646 | $1,196 | $2,196 | $450 |
| Martinsville, VA | $200 | $782 | $982 | $569 | $769 | $214 |
| Lynchburg, VA | $700 | $729 | $1,429 | $530 | $1,230 | $199 |
| Fincastle, VA | $100 | $736 | $836 | $535 | $635 | $201 |
| Henry County, VA | $1,000 | $1,006 | $2,006 | $731 | $1,731 | $275 |
| Craig County, VA | $100 | $657 | $757 | $478 | $578 | $180 |
| Patrick Springs, VA | $2,500 | $602 | $3,102 | $437 | $2,937 | $164 |
| Fairlawn, VA | $100 | $782 | $882 | $569 | $669 | $214 |
| Kerrs Creek, VA | $2,500 | $917 | $3,417 | $666 | $3,166 | $251 |
| Home Insurance Company Gills Creek, VA | Homeowners Insurance Agency Gills Creek, VA | Address | Popularity Score | Distance from Gills Creek (miles) |
|---|---|---|---|---|
| State Farm | Jimmy Russell | 363 Franklin Street, Rocky Mount, VA, 24151-1600 | 12.5 | |
| Travelers | Blue Ridge Insurance Services | 111-B Hexham Dr, Lynchburg, VA, 24502 | 31.3 | |
| State Farm | Andy Young | 1119 Oakley Ave, Lynchburg, VA, 24501-3753 | 36.2 | |
| Allstate | Chris Owen | 7335 Timberlake Rd Ste C, Lynchburg, VA, 24502 | 32.6 | |
| State Farm | Willis Donelson | 413 Mount Cross Rd Ste 204, Danville, VA, 24540-4089 | 39.5 | |
| Allstate | Bernadette Kincheloe | 4664 Brambleton Ave, Roanoke, VA, 24018 | 17.7 | |
| Travelers | M L Sutphin Insurance Agency Inc | 16483 Moneta Rd Ste K, Moneta, VA, 24121 | 4.2 | |
| Liberty Mutual Independent | Marsh & Mclennan Agency Llc | 1 S Jefferson St, Roanoke, VA, 24011 | 16.2 | |
| Nationwide | Mitchell Agency Inc The | 4712 Brambleton Ave, Roanoke, VA, 24018-3403 | 17.7 | |
| Allstate | Keith Hallacher | 2302 Colonial Ave Sw Ste C, Roanoke, VA, 24015 | 16.1 |
| Place | Typical Home Value | Typical Home Insurance Costs | 25th Percentile | 75th Percentile | Potential Savings & Difference between 25th & 75th Percentile |
|---|---|---|---|---|---|
| Virginia | $255,800 | $952 | $650 | $1,300 | $650 |
| Franklin County, VA | $176,900 | $797 | $570 | $1,110 | $540 |
| Gills Creek, VA | $358,900 | $918 | $620 | $1,310 | $690 |
| Westlake Corner, VA | $526,400 | $1,693 | $1,240 | $2,320 | $1,080 |
| Penhook, VA | $514,900 | $1,666 | $1,180 | $2,370 | $1,190 |
| Martinsville, VA | $90,100 | $792 | $570 | $1,120 | $550 |
| Lynchburg, VA | $153,800 | $738 | $510 | $1,050 | $540 |
| Fincastle, VA | $209,300 | $745 | $540 | $1,020 | $480 |
| Henry County, VA | $94,300 | $1,018 | $690 | $1,440 | $750 |
| Craig County, VA | $164,800 | $665 | $490 | $920 | $430 |
| Patrick Springs, VA | $112,100 | $609 | $410 | $860 | $450 |
| Fairlawn, VA | $164,900 | $792 | $570 | $1,120 | $550 |
| Kerrs Creek, VA | $236,600 | $928 | $680 | $1,280 | $600 |