Gavop's guide to buying homeowners insurance in Charlotte 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 | $57,500 | $50,000 | $50,000-$75,000 |
| 2 Bedroom | $133,000 | $120,000 | $100,000-$125,000 |
| 3 Bedroom | $123,000 | $110,000 | $100,000-$125,000 |
| 4 Bedroom | $265,000 | $240,000 | $300,000-$350,000 |
| 5 Bedroom | $138,500 | $120,000 | $125,000-$150,000 |
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$173 | $738 |
| Superior Protection Discount | -$82 | $830 |
| Fire & Security Discount | -$91 | $820 |
| Hail Resistant Roof Discount | -$18 | $893 |
| Newly Constructed Home Discount | -$201 | $711 |
| 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 |
| Charlotte County | $1,000 | $901 | $1,901 | $655 | $1,655 | $246 |
| Charlotte County, VA | $1,000 | $901 | $1,901 | $655 | $1,655 | $246 |
| Hampden-Sydney, VA | $100 | $837 | $937 | $608 | $708 | $229 |
| Kenbridge, VA | $2,500 | $605 | $3,105 | $439 | $2,939 | $165 |
| Banister, VA | $100 | $909 | $1,009 | $660 | $760 | $248 |
| Buckingham County, VA | $2,000 | $635 | $2,635 | $461 | $2,461 | $174 |
| Hawtree, NC | $200 | $535 | $735 | $389 | $589 | $146 |
| Callands-Gretna, VA | $2,000 | $574 | $2,574 | $417 | $2,417 | $157 |
| Brunswick County, VA | $100 | $909 | $1,009 | $660 | $760 | $248 |
| Olive Hill, NC | $400 | $693 | $1,093 | $503 | $903 | $189 |
| Home Insurance Company Charlotte County, VA | Homeowners Insurance Agency Charlotte County, VA | Address | Popularity Score | Distance from Charlotte County (miles) |
|---|---|---|---|---|
| State Farm | Charles Wright | 112 S Mecklenburg Ave, South Hill, VA, 23970-2618 | 35.5 | |
| State Farm | Allen Mcghee | 4021 Halifax Rd Ste E, South Boston, VA, 24592-4847 | 23.8 | |
| Travelers | Hughes Gregory & Wells Agency Inc | 120 N Main St, Chase City, VA, 23924 | 18.7 | |
| Erie | Smith Insurance Service Inc. | 9691 Wayside Avenue, Amelia Court House, VA, 23002 | 44.6 | |
| Travelers | W A Watson & Sons Insurance Agency | 106 N Main St, Farmville, VA, 23901 | 24.8 | |
| State Farm | Mark Webb | 1208 S Main St, Farmville, VA, 23901 | 23.9 | |
| Travelers | Southside Insurers | 114 E Atlantic St, South Hill, VA, 23970 | 35.6 | |
| Travelers | Cornerstone Insurance Agency | 201 Legrande Avenue, Charlotte Court House, VA, 23923 | 3.1 | |
| Nationwide | Steven L Shelton | 15241 Wards Road Ste 4, Lynchburg, VA, 24502-5099 | 36.9 | |
| Travelers | Cornerstone Insurance Agency | 201 Legrande Ave , Charlotte Court House, VA, 23923 | 3.1 |
| Place | Typical Home Value | Typical Home Insurance Costs | 25th Percentile | 75th Percentile | Potential Savings & Difference between 25th & 75th Percentile |
|---|---|---|---|---|---|
| Virginia | $255,800 | $952 | $640 | $1,320 | $680 |
| Charlotte County, VA | $107,500 | $912 | $660 | $1,300 | $640 |
| Charlotte County, VA | $107,500 | $912 | $660 | $1,290 | $630 |
| Hampden-Sydney, VA | $188,100 | $847 | $580 | $1,190 | $610 |
| Kenbridge, VA | $112,700 | $612 | $420 | $850 | $430 |
| Banister, VA | $102,400 | $920 | $660 | $1,280 | $620 |
| Buckingham County, VA | $132,500 | $643 | $430 | $890 | $460 |
| Hawtree, NC | $85,100 | $542 | $390 | $780 | $390 |
| Callands-Gretna, VA | $115,700 | $581 | $420 | $830 | $410 |
| Brunswick County, VA | $110,900 | $920 | $660 | $1,270 | $610 |
| Olive Hill, NC | $115,400 | $701 | $480 | $1,000 | $520 |