Gavop shows you how to buy homeowners insurance in Central, VA by estimating coverage, choosing the right deductible, contacting the best agents, understanding claim requirements, comparing cheap rates, using discount options and reading reviews.
| Central, 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 | |
| Grady Pl, Brookhaven Dr, Minnow Ln, State Rte 620, Little Dry River Rd, Hightown Ln, Stockings Cir, Tilbury Ct, Stultz Ln, Kerns Rd | $201,500 | $170,000 | $175,000-$200,000 | $138,000 | $130,000 | $125,000-$150,000 |
| State Rte 929, Rachel Dr, Chipmunk Ct, Health Campus Dr, Trissels Rd, Witmer Ln, Presidential Cir, Isaac Ln, Fairyland Ln, Traveler Rd | $324,500 | $280,000 | $300,000-$350,000 | $211,000 | $170,000 | $175,000-$200,000 |
| Snead Cir, Lilly Sq, Peach Orchard Dr, Grant Rd, State Rte 765, Fox Squirrel Ln, Heatwole Rd, Valley Branch Rd, Ronna Pl, State Rte 1002 | $232,000 | $200,000 | $250,000-$300,000 | $150,000 | $140,000 | $125,000-$150,000 |
| Gold Nugget Dr, S Mountain Dr, Brookshire Dr, Newcomer Ln, W Mosby Rd, State Rte 672, Old Turnpike Rd, Steamboat Hollow Ln, Shrum Ct, State Rte 692 | $302,500 | $250,000 | $300,000-$350,000 | $158,000 | $150,000 | $125,000-$150,000 |
| State Rte 742, State Rte 619, Moonview Ct, Aynsley Ln, War Branch Rd, George Wine Rd, Old Resort Ln, Beaver Creek Rd, Secrist Ln, Trevor Ct | $131,500 | $110,000 | $100,000-$125,000 | $168,000 | $160,000 | $175,000-$200,000 |
| Buckland Dr, Cemetery Rd, Middlecoff Dr, Koiner Ford Rd, Garber Rd, Twin Ln, California Ridge Trl, State Rte 732, Rodders Ln, Crenshaw Cir | $331,000 | $310,000 | $300,000-$350,000 | $197,500 | $160,000 | $175,000-$200,000 |
| Black Walnut Ln, State Rte 803, Hilton Ln, Dale Enterprise Rd, Summit St, Turquoise Dr, Millertown Rd, Phillips Store Rd, Autumn View Dr, Silver Lake Rd | $297,500 | $260,000 | $250,000-$300,000 | $160,000 | $150,000 | $150,000-$175,000 |
| State Rte 780, Hwy 1021, Ashby St, Sherman Dr, Countryside Dr, Black Jack Rd, State Rte 765, Branch Mountain Ln, Lacey Spring Rd, Cookie Ln | $174,000 | $140,000 | $150,000-$175,000 | $130,000 | $120,000 | $100,000-$125,000 |
| Hobart Ct, Fox Den Rd, Toadstool Ln, N Valley Pike, Antioch Rd, Richmond Rd, State Rte 733, Harpine Hwy, Fulk Mountain Ln, Power Dam Rd | $258,000 | $220,000 | $200,000-$250,000 | $113,000 | $100,000 | $100,000-$125,000 |
| Haines Quarter Rd, Rte 683, Lone Oak Ln, Chicory Ln, Indian Trail Rd, State Rte 814, Travis Ln, Split Rail Ln, Briery Branch Rd, Hwy 1022 | $234,000 | $200,000 | $200,000-$250,000 | $115,500 | $110,000 | $100,000-$125,000 |
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$147 | $667 |
| Superior Protection Discount | -$81 | $733 |
| Fire & Security Discount | -$90 | $724 |
| Hail Resistant Roof Discount | -$24 | $790 |
| Newly Constructed Home Discount | -$228 | $586 |
| 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 |
| Rockingham County | $2,500 | $845 | $3,345 | $614 | $3,114 | $231 |
| Central, VA | $2,500 | $804 | $3,304 | $584 | $3,084 | $220 |
| Timberville, VA | $200 | $755 | $955 | $549 | $749 | $206 |
| Stonewall, VA | $2,000 | $702 | $2,702 | $510 | $2,510 | $192 |
| New Market, VA | $400 | $894 | $1,294 | $650 | $1,050 | $244 |
| Pendleton County, WV | $2,000 | $652 | $2,652 | $474 | $2,474 | $178 |
| Staunton, VA | $100 | $652 | $752 | $474 | $574 | $178 |
| Ivy, VA | $700 | $1,731 | $2,431 | $1,258 | $1,958 | $473 |
| Maurertown, VA | $400 | $816 | $1,216 | $593 | $993 | $223 |
| Piedmont, VA | $2,000 | $1,006 | $3,006 | $731 | $2,731 | $275 |
| Brightwood, VA | $100 | $943 | $1,043 | $685 | $785 | $258 |
| Scottsville, VA | $2,500 | $780 | $3,280 | $567 | $3,067 | $213 |
| Home Insurance Company Central, VA | Homeowners Insurance Agency Central, VA | Address | Popularity Score | Distance from Central (miles) |
|---|---|---|---|---|
| State Farm | Cynthia Shifflett | 8767 Seminole Trl Ste 104, Ruckersville, VA, 22968-3493 | 38.1 | |
| State Farm | Jeff Rebich | 9980 Spotswood Trail, Mcgaheysville, VA, 22840-2421 | 16.3 | |
| Erie | Ld&B Insurance & Financial Service | 205 S Liberty Street Suite A, Harrisonburg, VA, 22801 | 7.2 | |
| State Farm | Brenda Parsons | 113 E King St, Strasburg, VA, 22657-2238 | 47.1 | |
| Allstate | Insure All Llc | 714 E Main St, Stanley, VA, 22851 | 26.3 | |
| Erie | Aimonetti Insurance | 1021 S Main Street, Woodstock, VA, 22664 | 35.1 | |
| State Farm | Dennis Blackwell | 119 S Carlton St, Harrisonburg, VA, 22801-4326 | 8.0 | |
| State Farm | Doug Veach | 910 S Main Street, Woodstock, VA, 22664-1122 | 35.2 | |
| Nationwide | Eddins Insurance Inc | 121 N Main St, Madison, VA, 22727 | 40.1 | |
| State Farm | Pat Stewart | 902 Churchville Ave, Staunton, VA, 24401-2805 | 24.4 |
| Place | Typical Home Value | Typical Home Insurance Costs | 25th Percentile | 75th Percentile | Potential Savings & Difference between 25th & 75th Percentile |
|---|---|---|---|---|---|
| Virginia | $255,800 | $952 | $690 | $1,320 | $630 |
| Rockingham County, VA | $206,700 | $856 | $620 | $1,210 | $590 |
| Central, VA | $270,700 | $814 | $550 | $1,160 | $610 |
| Timberville, VA | $154,900 | $764 | $510 | $1,080 | $570 |
| Stonewall, VA | $187,500 | $711 | $480 | $1,000 | $520 |
| New Market, VA | $220,800 | $905 | $640 | $1,240 | $600 |
| Pendleton County, WV | $107,900 | $660 | $450 | $910 | $460 |
| Staunton, VA | $162,500 | $660 | $440 | $940 | $500 |
| Ivy, VA | $552,300 | $1,752 | $1,210 | $2,510 | $1,300 |
| Maurertown, VA | $178,700 | $826 | $560 | $1,160 | $600 |
| Piedmont, VA | $312,000 | $1,018 | $700 | $1,440 | $740 |
| Brightwood, VA | $257,400 | $954 | $680 | $1,350 | $670 |
| Scottsville, VA | $246,000 | $790 | $580 | $1,120 | $540 |