Gavop shows you how to buy homeowners insurance in Palmyra, VA by estimating coverage, choosing the right deductible, contacting the best agents, understanding claim requirements, comparing cheap rates, using discount options and reading reviews.
| Bedrooms | Average Home Value | Estimated Replacement Value | Recommended Home Insurance Coverage |
|---|---|---|---|
| 1 Bedroom | $97,500 | $90,000 | $100,000-$125,000 |
| 2 Bedroom | $216,000 | $180,000 | $200,000-$250,000 |
| 3 Bedroom | $278,000 | $260,000 | $200,000-$250,000 |
| 4 Bedroom | $420,500 | $350,000 | $400,000-$500,000 |
| 5 Bedroom | $544,500 | $490,000 | $500,000-$600,000 |
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$135 | $659 |
| Superior Protection Discount | -$71 | $722 |
| Fire & Security Discount | -$87 | $706 |
| Hail Resistant Roof Discount | -$16 | $778 |
| Newly Constructed Home Discount | -$167 | $627 |
| 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 |
| Fluvanna County | $700 | $760 | $1,460 | $552 | $1,252 | $208 |
| Palmyra, VA | $1,000 | $784 | $1,784 | $570 | $1,570 | $214 |
| University of Virginia, VA | $100 | $855 | $955 | $621 | $721 | $234 |
| Hollymead, VA | $1,000 | $826 | $1,826 | $600 | $1,600 | $226 |
| Buckingham County, VA | $300 | $635 | $935 | $461 | $761 | $174 |
| East, VA | $700 | $791 | $1,491 | $575 | $1,275 | $216 |
| North, VA | $100 | $944 | $1,044 | $686 | $786 | $258 |
| Shipman, VA | $2,500 | $420 | $2,920 | $305 | $2,805 | $115 |
| Powhatan County, VA | $500 | $798 | $1,298 | $580 | $1,080 | $218 |
| Lake Caroline, VA | $1,500 | $842 | $2,342 | $612 | $2,112 | $230 |
| Greenville, VA | $100 | $791 | $891 | $575 | $675 | $216 |
| Woodlake, VA | $2,500 | $798 | $3,298 | $580 | $3,080 | $218 |
| Home Insurance Company Palmyra, VA | Homeowners Insurance Agency Palmyra, VA | Address | Popularity Score | Distance from Palmyra (miles) |
|---|---|---|---|---|
| Allstate | John Wright | 9044 W Broad St, Richmond, VA, 23294 | 46.2 | |
| Travelers | Truslow - Yost Insurance Agency | 125 Chapman Street, Orange, VA, 22960 | 23.1 | |
| Travelers | Premier Insurance Agency Ltd | 2409 Dovercourt Dr, Midlothian, VA, 23113 | 45.2 | |
| Allstate | Christopher Goodin | 1800 Southcreek One Ste E, Powhatan, VA, 23139 | 40.5 | |
| Erie | Hammer Insurance Agency Inc. | 611 S 3rd Street, Shenandoah, VA, 22849 | 40.7 | |
| State Farm | Prem Das | 14111 Midlothian Tpke, Midlothian, VA, 23113-6523 | 46.0 | |
| Erie | Ld&B Insurance & Financial Service | 205 S Liberty Street Suite A, Harrisonburg, VA, 22801 | 46.7 | |
| Erie | Capital Insurance Agency | 3902 Springfield Road, Glen Allen, VA, 23060 | 45.4 | |
| Travelers | Short Insurance Associates | 900 Gardens Blvd Ste 100, Charlottesville, VA, 22901 | 13.5 | |
| Travelers | Southside Insurance | 1700 Huguenot Road Suite H, Midlothian, VA, 23113 | 47.6 |
| Place | Typical Home Value | Typical Home Insurance Costs | 25th Percentile | 75th Percentile | Potential Savings & Difference between 25th & 75th Percentile |
|---|---|---|---|---|---|
| Virginia | $255,800 | $952 | $640 | $1,300 | $660 |
| Fluvanna County, VA | $228,100 | $769 | $550 | $1,070 | $520 |
| Palmyra, VA | $250,400 | $794 | $550 | $1,100 | $550 |
| University of Virginia, VA | $320,800 | $865 | $610 | $1,190 | $580 |
| Hollymead, VA | $293,100 | $836 | $590 | $1,200 | $610 |
| Buckingham County, VA | $132,500 | $643 | $430 | $910 | $480 |
| East, VA | $168,200 | $801 | $540 | $1,140 | $600 |
| North, VA | $258,900 | $955 | $640 | $1,350 | $710 |
| Shipman, VA | $76,300 | $425 | $310 | $600 | $290 |
| Powhatan County, VA | $264,300 | $808 | $570 | $1,140 | $570 |
| Lake Caroline, VA | $190,400 | $852 | $610 | $1,210 | $600 |
| Greenville, VA | $168,200 | $801 | $540 | $1,130 | $590 |
| Woodlake, VA | $264,000 | $807 | $540 | $1,150 | $610 |