Gavop shows you how to buy homeowners insurance in Frederick County, VA by estimating coverage, choosing the right deductible, contacting the best agents, understanding claim requirements, comparing cheap rates, using discount options and reading reviews.
| Frederick County, VA - Neighbourhoods, Census Blocks & Streets | 3 Bedroom | 4 Bedroom | ||||
|---|---|---|---|---|---|---|
| Average Home Value | Estimated Replacement Value | Recommended Home Insurance Coverage | Average Home Value | Estimated Replacement Value | Recommended Home Insurance Coverage | |
| Barrington Ln, Day Dr, Widener Dr, Rhinehart Ln, Hummingbird Ln, Laurel Ln, Skylar Lanes Way, S Pifer Rd, Butterscotch Ct, Conner Ln | $153,500 | $140,000 | $125,000-$150,000 | $254,500 | $220,000 | $250,000-$300,000 |
| First St, Windy Pine Dr, State Rte 692, Ruebuck Ln, Bryarly Rd, Klines Mill Rd, State Rte 641, Deep Pine Ct, Caspian Dr, State Rte 637 | $214,000 | $190,000 | $200,000-$250,000 | $217,500 | $180,000 | $200,000-$250,000 |
| Wardensville Pike, Stonewall Dr, State Rte 627, Fancy Ct, Ridings Ln, Wood Rise Ln, Light Rd, W 3rd St, Racey Ridge Dr, Roberts Ln | $246,500 | $220,000 | $250,000-$300,000 | $271,000 | $250,000 | $200,000-$250,000 |
| Pinnacle Ridge Rd, Bancroft Ln, State Rte 704, Greenfield Rd, Latigo Ct, E Four Seasons Dr, Pugh Ln, State Rte 1071, Balls Bluff Way, Belleville Ct | $242,500 | $200,000 | $250,000-$300,000 | $251,500 | $240,000 | $200,000-$250,000 |
| Hackney Ct, Waterford Ln, Inca Trl, Mercer Rd, State Rte T-1016, Barb Ct, Laurel Grove Rd, Boulder Harvest Ln, Fries Loop Rd, Jobes Mill Ln | $327,500 | $310,000 | $250,000-$300,000 | $406,000 | $360,000 | $400,000-$500,000 |
| Glentowber Dr, Longstreet Ave, Echota Trl, State Rte 741, Pennsylvania Ave, Echo Ln, Amoco Ln, Cahille Dr, Belle Grove Rd, Routt-Moorehead Rd | $177,500 | $150,000 | $150,000-$175,000 | $235,000 | $220,000 | $250,000-$300,000 |
| Westernview Dr, Elderberry Ct, Hodges Ln, State Rte 707, Woodbine Rd, Haines Dr, Bridle Path Ct, Brown St, Lemming Ln, Kimball Ct | $161,500 | $150,000 | $150,000-$175,000 | $259,500 | $240,000 | $250,000-$300,000 |
| State Rte 1058, Howards Chapel Rd, Wondering Ln, Angus Hill Ln, Laurelwood Dr, Elk Trl, State Rte 633, Castelbridge Ct, Lariat Ct, Tonys Hollow Ln | $244,000 | $200,000 | $250,000-$300,000 | $286,000 | $240,000 | $300,000-$350,000 |
| Farm Ln, Point Pl, Lane St, Valley Pike, Shiraz Ct, Buchannan Dr, Jutland Ct, Confederate Dr, Laurel Trl, Lynnhaen Dr | $293,000 | $270,000 | $300,000-$350,000 | $436,000 | $360,000 | $400,000-$500,000 |
| Keverne Ct, Huntersridge Rd, State Rte 743, Scenic View Pl, Greenwood Ct, Three Oaks Dr, Fox Run Ln, Milroy Dr, Wilkins Dr, Ryebuck Ln | $230,000 | $190,000 | $250,000-$300,000 | $402,500 | $370,000 | $350,000-$400,000 |
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$143 | $751 |
| Superior Protection Discount | -$80 | $813 |
| Fire & Security Discount | -$89 | $804 |
| Hail Resistant Roof Discount | -$27 | $867 |
| Newly Constructed Home Discount | -$215 | $679 |
| 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 |
| Frederick County | $700 | $883 | $1,583 | $642 | $1,342 | $241 |
| Frederick County, VA | $1,000 | $883 | $1,883 | $642 | $1,642 | $241 |
| Strasburg, VA | $500 | $716 | $1,216 | $520 | $1,020 | $196 |
| Jefferson County, WV | $2,500 | $948 | $3,448 | $689 | $3,189 | $259 |
| Mercersville, MD | $400 | $1,132 | $1,532 | $823 | $1,223 | $309 |
| Big Spring, MD | $700 | $680 | $1,380 | $494 | $1,194 | $186 |
| Downsville, MD | $500 | $949 | $1,449 | $690 | $1,190 | $259 |
| Warrenton, VA | $2,000 | $846 | $2,846 | $615 | $2,615 | $231 |
| Gainesville, VA | $200 | $1,132 | $1,332 | $823 | $1,023 | $309 |
| Needmore, PA | $2,500 | $690 | $3,190 | $501 | $3,001 | $188 |
| Jugtown, MD | $300 | $1,124 | $1,424 | $817 | $1,117 | $307 |
| Home Insurance Company Frederick County, VA | Homeowners Insurance Agency Frederick County, VA | Address | Popularity Score | Distance from Frederick County (miles) |
|---|---|---|---|---|
| Allstate | Jennifer Brady Smith | 126 Creekside Ln, Winchester, VA, 22602 | 5.8 | |
| Allstate | Scott A. Bresnahan | 22621 Amendola Ter Ste 165, Ashburn, VA, 20148 | 43.4 | |
| Allstate | Michael Angles | 4229 Lafayette Ctr Dr Ste 1675, Chantilly, VA, 20151 | 47.1 | |
| State Farm | Brad Sorgius | 2 Cardinal Park Dr Se Ste 201c, Leesburg, VA, 20175-4449 | 39.6 | |
| Allstate | Kristin Mullah | 44110 Ashbrn Shpg Plz Ste 2, Ashburn, VA, 20147 | 43.8 | |
| Travelers | Partlow Insurance Agency | 2333 N Frederick Pike, Winchester, VA, 22603 | 3.8 | |
| Liberty Mutual Independent | Long & Foster Insurance Agency Inc | 14501 George Carter Way, Chantilly, VA, 20151 | 49.0 | |
| Travelers | Partlow Insurance Agency | 2333 N Frederick Pike, Winchester, VA, 22603 | 3.8 | |
| State Farm | Andy Macleod | 741 E Main St, Purcellville, VA, 20132-3178 | 30.4 | |
| State Farm | Bob Garrigan | 6711 Leaberry Way, Haymarket, VA, 20169-2991 | 42.9 |
| Place | Typical Home Value | Typical Home Insurance Costs | 25th Percentile | 75th Percentile | Potential Savings & Difference between 25th & 75th Percentile |
|---|---|---|---|---|---|
| Virginia | $255,800 | $952 | $690 | $1,360 | $670 |
| Frederick County, VA | $239,100 | $894 | $600 | $1,270 | $670 |
| Frederick County, VA | $239,100 | $894 | $610 | $1,270 | $660 |
| Strasburg, VA | $195,900 | $725 | $520 | $1,000 | $480 |
| Jefferson County, WV | $227,300 | $959 | $650 | $1,370 | $720 |
| Mercersville, MD | $347,100 | $1,146 | $910 | $1,440 | $530 |
| Big Spring, MD | $129,900 | $688 | $540 | $870 | $330 |
| Downsville, MD | $276,000 | $961 | $760 | $1,210 | $450 |
| Warrenton, VA | $312,400 | $856 | $610 | $1,180 | $570 |
| Gainesville, VA | $411,800 | $1,146 | $790 | $1,580 | $790 |
| Needmore, PA | $146,400 | $698 | $500 | $980 | $480 |
| Jugtown, MD | $344,400 | $1,138 | $900 | $1,430 | $530 |