Gavop's guide to buying homeowners insurance in Dickenson County, 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 | $44,000 | $40,000 | $25,000-$50,000 |
| 2 Bedroom | $75,000 | $60,000 | $75,000-$100,000 |
| 3 Bedroom | $93,500 | $80,000 | $75,000-$100,000 |
| 4 Bedroom | $140,000 | $120,000 | $125,000-$150,000 |
| 5 Bedroom | $248,500 | $210,000 | $250,000-$300,000 |
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$167 | $761 |
| Superior Protection Discount | -$93 | $835 |
| Fire & Security Discount | -$74 | $853 |
| Hail Resistant Roof Discount | -$19 | $909 |
| Newly Constructed Home Discount | -$241 | $686 |
| 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 |
| Dickenson County | $2,000 | $916 | $2,916 | $666 | $2,666 | $250 |
| Dickenson County, VA | $1,000 | $916 | $1,916 | $666 | $1,666 | $250 |
| Ashcamp, KY | $300 | $649 | $949 | $472 | $772 | $177 |
| Castlewood, VA | $2,000 | $782 | $2,782 | $569 | $2,569 | $214 |
| Fedscreek, KY | $100 | $587 | $687 | $426 | $526 | $160 |
| Letcher County, KY | $1,500 | $863 | $2,363 | $627 | $2,127 | $236 |
| Cedar Bluff, VA | $300 | $562 | $862 | $409 | $709 | $154 |
| Western, VA | $1,500 | $909 | $2,409 | $660 | $2,160 | $248 |
| Washington County, VA | $200 | $679 | $879 | $493 | $693 | $185 |
| Magnolia, WV | $700 | $541 | $1,241 | $393 | $1,093 | $148 |
| Abingdon, VA | $200 | $645 | $845 | $469 | $669 | $176 |
| Colonial Heights, TN | $700 | $991 | $1,691 | $720 | $1,420 | $271 |
| Home Insurance Company Dickenson County, VA | Homeowners Insurance Agency Dickenson County, VA | Address | Popularity Score | Distance from Dickenson County (miles) |
|---|---|---|---|---|
| Travelers | Trustpoint Insurance | 425 State St Ste #307, Bristol, VA, 24201 | 38.5 | |
| Farmers | Joseph Boyd | 227 Haysi Main St Ste 100, Haysi, VA, 24256 | 5.6 | |
| Erie | Sesco Group Inc. | 51 Commonwealth Avenue, Bristol, VA, 24201 | 38.3 | |
| Allstate | Kim Stanley | 451 Gate City Hwy, Bristol, VA, 24201 | 37.9 | |
| State Farm | Cathy Mays | 16610 Russell St Unit C, Saint Paul, VA, 24283 | 16.2 | |
| Nationwide | Donnie Counts Insurance Agency Inc. | 301 E.Main St, Wise, VA, 24293 | 16.8 | |
| State Farm | Garland Hall | 502b Front St W, Coeburn, VA, 24230 | 15.3 | |
| State Farm | Larry Bales | 534 E Main St, Abingdon, VA, 24210-3410 | 36.2 | |
| State Farm | Glenn Goad | 1061 Old Abingdon Hwy Ste 9, Bristol, VA, 24201-1878 | 36.9 | |
| Erie | Chilhowie Insurance Agency Inc. | 316 Main Street, Chilhowie, VA, 24319 | 43.6 |
| Place | Typical Home Value | Typical Home Insurance Costs | 25th Percentile | 75th Percentile | Potential Savings & Difference between 25th & 75th Percentile |
|---|---|---|---|---|---|
| Virginia | $255,800 | $952 | $690 | $1,350 | $660 |
| Dickenson County, VA | $77,500 | $928 | $680 | $1,290 | $610 |
| Dickenson County, VA | $77,500 | $928 | $660 | $1,330 | $670 |
| Ashcamp, KY | $71,400 | $657 | $480 | $940 | $460 |
| Castlewood, VA | $84,300 | $792 | $530 | $1,130 | $600 |
| Fedscreek, KY | $59,300 | $594 | $410 | $840 | $430 |
| Letcher County, KY | $58,500 | $873 | $640 | $1,200 | $560 |
| Cedar Bluff, VA | $103,300 | $569 | $420 | $800 | $380 |
| Western, VA | $111,100 | $920 | $630 | $1,300 | $670 |
| Washington County, VA | $137,200 | $687 | $470 | $940 | $470 |
| Magnolia, WV | $64,200 | $548 | $390 | $780 | $390 |
| Abingdon, VA | $159,200 | $653 | $480 | $890 | $410 |
| Colonial Heights, TN | $137,800 | $1,003 | $670 | $1,370 | $700 |