Gavop shows you how to buy homeowners insurance in Montrose, VA by estimating coverage, choosing the right deductible, contacting the best agents, understanding claim requirements, comparing cheap rates, using discount options and reading reviews.
| Montrose, 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 | |
| E Wood Harbor Ct, N Midview Rd, Holland St, Shirleydale Ave, Orinda Dr, International Centre Dr, Wilderness Dr, Oakley Ct, Greatwood Dr, Almond Creek N Way | $152,500 | $140,000 | $150,000-$175,000 | $150,500 | $140,000 | $125,000-$150,000 |
| State Rte 5, Dairy Farm Ct, Crown Squire Rd, Action St, Moncure Ave, Lundie Ln, Old Oakland Rd, Farrand St, Dalglish Rd, Ludlow Rd | $207,000 | $180,000 | $200,000-$250,000 | $100,000 | $90,000 | $100,000-$125,000 |
| Art Ave, Leonard Ave, Kinloch Ln, Millers Glen Ln, E Caryhurst Rd, Almond Tree Way, S Newton Cir, Farrand Dr, Kings Hill Rd, Shallot Rd | $218,000 | $200,000 | $175,000-$200,000 | $162,500 | $150,000 | $150,000-$175,000 |
| Subrenda Dr, Chipoax Ave, Hounds Way, Brittles Ln, Willson Rd, Grand Ledge Ct, Fox Downs Dr, Newman St, Burtfield Dr, Raleigh Rd | $130,000 | $120,000 | $100,000-$125,000 | $116,500 | $100,000 | $100,000-$125,000 |
| Hyner Cir, Lundie Ave, Oakleys Ln, Kemp Ave, Colleen Rd, Robins Rd, Thornhurst St, Varina Station Ct, Reilly St, November Ave | $115,500 | $110,000 | $100,000-$125,000 | $99,000 | $80,000 | $75,000-$100,000 |
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$96 | $502 |
| Superior Protection Discount | -$54 | $544 |
| Fire & Security Discount | -$60 | $538 |
| Hail Resistant Roof Discount | -$18 | $580 |
| Newly Constructed Home Discount | -$138 | $460 |
| 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 |
| Henrico County | $2,500 | $863 | $3,363 | $627 | $3,127 | $236 |
| Montrose, VA | $1,500 | $591 | $2,091 | $429 | $1,929 | $161 |
| East Highland Park, VA | $400 | $678 | $1,078 | $493 | $893 | $185 |
| Richmond, VA | $1,500 | $850 | $2,350 | $618 | $2,118 | $232 |
| Meadowbrook, VA | $300 | $687 | $987 | $499 | $799 | $188 |
| Manchester, VA | $700 | $665 | $1,365 | $483 | $1,183 | $182 |
| King William County, VA | $200 | $722 | $922 | $525 | $725 | $197 |
| Prince George, VA | $1,000 | $822 | $1,822 | $597 | $1,597 | $225 |
| Mangohick, VA | $300 | $855 | $1,155 | $621 | $921 | $234 |
| Mattaponi, VA | $2,500 | $868 | $3,368 | $631 | $3,131 | $237 |
| Nottoway County, VA | $200 | $642 | $842 | $467 | $667 | $176 |
| Spotsylvania County, VA | $1,000 | $913 | $1,913 | $664 | $1,664 | $250 |
| Home Insurance Company Montrose, VA | Homeowners Insurance Agency Montrose, VA | Address | Popularity Score | Distance from Montrose (miles) |
|---|---|---|---|---|
| Nationwide | Hedrick Insurance & Financial | 6130 Mechanicsville Tpke Ste A, Mechanicsville, VA, 23111-4576 | 8.0 | |
| Erie | Sandston Insurance Agency Inc. | 51 W Williamsburg Road, Sandston, VA, 23150 | 3.3 | |
| Erie | Tate & Associates | 1315 Jamestown Road Suite 104, Williamsburg, VA, 23185 | 39.8 | |
| Allstate | Andras Bullock | 309 E Williamsburg Rd, Sandston, VA, 23150 | 3.8 | |
| State Farm | Sharon Dobbins | 2500 E Parham Rd, Richmond, VA, 23228-2921 | 10.5 | |
| Erie | All Coverage Insurance | 11950 Iron Bridge Plaza, Chester, VA, 23831 | 13.0 | |
| Erie | Diversity Insurance Agency Llc | 6002 W Broad Street Suite 201, Richmond, VA, 23230 | 8.9 | |
| Liberty Mutual Independent | Gfh Insurance Agency Inc | 4825 Radford Rd Ste 101, Richmond, VA, 23230 | 7.8 | |
| State Farm | Cindy Shumaker | 6061 Harbour Park Drive, Midlothian, VA, 23112-2160 | 16.7 | |
| Travelers | Winters Oliver Insurance Agency, Inc. | 8022 Mechanicsville Pike, Mechanicsville, VA, 23111 | 5.8 |
| Place | Typical Home Value | Typical Home Insurance Costs | 25th Percentile | 75th Percentile | Potential Savings & Difference between 25th & 75th Percentile |
|---|---|---|---|---|---|
| Virginia | $255,800 | $952 | $680 | $1,320 | $640 |
| Henrico County, VA | $223,900 | $874 | $590 | $1,250 | $660 |
| Montrose, VA | $120,000 | $598 | $440 | $830 | $390 |
| East Highland Park, VA | $146,200 | $686 | $490 | $940 | $450 |
| Richmond, VA | $209,200 | $860 | $590 | $1,190 | $600 |
| Meadowbrook, VA | $179,500 | $696 | $490 | $990 | $500 |
| Manchester, VA | $168,100 | $673 | $480 | $960 | $480 |
| King William County, VA | $199,700 | $731 | $500 | $1,000 | $500 |
| Prince George, VA | $181,300 | $832 | $560 | $1,140 | $580 |
| Mangohick, VA | $197,300 | $865 | $580 | $1,220 | $640 |
| Mattaponi, VA | $204,900 | $879 | $640 | $1,260 | $620 |
| Nottoway County, VA | $134,800 | $650 | $450 | $900 | $450 |
| Spotsylvania County, VA | $265,600 | $924 | $640 | $1,320 | $680 |