Gavop tells you how to get the best homeowners insurance in James Madison, VA by getting the correct coverage, picking the right deductible, showing the best agents, comparing the cheapest rates, showing real customer reviews, etc.
| Bedrooms | Average Home Value | Estimated Replacement Value | Recommended Home Insurance Coverage |
|---|---|---|---|
| 1 Bedroom | $73,000 | $70,000 | $50,000-$75,000 |
| 2 Bedroom | $142,500 | $120,000 | $125,000-$150,000 |
| 3 Bedroom | $166,500 | $150,000 | $150,000-$175,000 |
| 4 Bedroom | $335,000 | $270,000 | $350,000-$400,000 |
| 5 Bedroom | $332,500 | $270,000 | $300,000-$350,000 |
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$164 | $697 |
| Superior Protection Discount | -$86 | $775 |
| Fire & Security Discount | -$95 | $766 |
| Hail Resistant Roof Discount | -$26 | $835 |
| Newly Constructed Home Discount | -$250 | $611 |
| 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 |
| King George County | $1,500 | $827 | $2,327 | $601 | $2,101 | $226 |
| James Madison, VA | $2,500 | $851 | $3,351 | $618 | $3,118 | $232 |
| Griffis-Widewater, VA | $300 | $812 | $1,112 | $590 | $890 | $222 |
| La Plata, MD | $100 | $783 | $883 | $569 | $669 | $214 |
| Lee, VA | $1,500 | $916 | $2,416 | $666 | $2,166 | $250 |
| Bailey's Crossroads, VA | $500 | $891 | $1,391 | $647 | $1,147 | $243 |
| Wyndham, VA | $700 | $983 | $1,683 | $715 | $1,415 | $269 |
| Coral Hills, MD | $500 | $661 | $1,161 | $481 | $981 | $181 |
| McNair, VA | $2,500 | $887 | $3,387 | $645 | $3,145 | $242 |
| Summerfield, MD | $400 | $724 | $1,124 | $526 | $926 | $198 |
| Home Insurance Company James Madison, VA | Homeowners Insurance Agency James Madison, VA | Address | Popularity Score | Distance from James Madison (miles) |
|---|---|---|---|---|
| Erie | Richmond Insurance Services Inc. | 5030 Sadler Place Suite 203, Glen Allen, VA, 23060 | 45.0 | |
| State Farm | Sharon Godfrey | Ste 3b 1311a Dolley Madison Blvd, Mclean, VA, 22101-3975 | 46.5 | |
| Erie | Classic Insurance Services Llc | 4880 Sadler Road Suite 110, Glen Allen, VA, 23060 | 45.0 | |
| State Farm | Allen Bristow | 296 Gville Rd Ste 101, Stafford, VA, 22554-1574 | 15.6 | |
| Erie | Capital Insurance Agency | 3902 Springfield Road, Glen Allen, VA, 23060 | 46.1 | |
| Erie | Diversity Insurance Agency Llc | 6002 W Broad Street Suite 201, Richmond, VA, 23230 | 48.5 | |
| State Farm | Byron Mehlhaff | 405 E Main St, Louisa, VA, 23093 | 43.4 | |
| Travelers | Aml Insurance Agency | 6000 Stevenson Ave Ste 204, Alexandria, VA, 22304 | 38.1 | |
| State Farm | Dennis Dodson | 2304 Jeff Davis Hwy, Fredericksbrg, VA, 22401-2116 | 12.3 | |
| State Farm | Cindy Yang | 13890 Braddock Rd Ste 304a, Centreville, VA, 20121-2438 | 40.2 |
| Place | Typical Home Value | Typical Home Insurance Costs | 25th Percentile | 75th Percentile | Potential Savings & Difference between 25th & 75th Percentile |
|---|---|---|---|---|---|
| Virginia | $255,800 | $952 | $690 | $1,310 | $620 |
| King George County, VA | $294,300 | $837 | $610 | $1,190 | $580 |
| James Madison, VA | $316,900 | $861 | $590 | $1,200 | $610 |
| Griffis-Widewater, VA | $278,200 | $822 | $600 | $1,170 | $570 |
| La Plata, MD | $336,700 | $793 | $630 | $1,000 | $370 |
| Lee, VA | $431,300 | $927 | $660 | $1,330 | $670 |
| Bailey's Crossroads, VA | $348,000 | $901 | $660 | $1,280 | $620 |
| Wyndham, VA | $486,200 | $995 | $690 | $1,380 | $690 |
| Coral Hills, MD | $192,000 | $669 | $530 | $840 | $310 |
| McNair, VA | $420,700 | $898 | $660 | $1,270 | $610 |
| Summerfield, MD | $233,200 | $732 | $580 | $920 | $340 |