Gavop shows you how to buy homeowners insurance in Stuarts Draft, 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 | $78,000 | $70,000 | $50,000-$75,000 |
| 2 Bedroom | $151,500 | $130,000 | $150,000-$175,000 |
| 3 Bedroom | $260,500 | $210,000 | $250,000-$300,000 |
| 4 Bedroom | $351,000 | $290,000 | $400,000-$500,000 |
| 5 Bedroom | $287,500 | $250,000 | $250,000-$300,000 |
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$129 | $586 |
| Superior Protection Discount | -$71 | $643 |
| Fire & Security Discount | -$79 | $636 |
| Hail Resistant Roof Discount | -$21 | $693 |
| Newly Constructed Home Discount | -$193 | $522 |
| 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 |
| Augusta County | $700 | $845 | $1,545 | $614 | $1,314 | $231 |
| Stuarts Draft, VA | $2,000 | $706 | $2,706 | $513 | $2,513 | $193 |
| Waynesboro, VA | $200 | $650 | $850 | $472 | $672 | $178 |
| Nellysford, VA | $700 | $1,204 | $1,904 | $875 | $1,575 | $329 |
| Verona, VA | $100 | $771 | $871 | $560 | $660 | $211 |
| Harriston, VA | $1,500 | $761 | $2,261 | $553 | $2,053 | $208 |
| Weyers Cave, VA | $400 | $826 | $1,226 | $600 | $1,000 | $226 |
| Amherst County, VA | $1,500 | $723 | $2,223 | $525 | $2,025 | $197 |
| Buffalo, VA | $2,000 | $934 | $2,934 | $679 | $2,679 | $255 |
| Madison Heights, VA | $400 | $632 | $1,032 | $459 | $859 | $173 |
| Gordonsville, VA | $2,500 | $829 | $3,329 | $602 | $3,102 | $227 |
| Home Insurance Company Stuarts Draft, VA | Homeowners Insurance Agency Stuarts Draft, VA | Address | Popularity Score | Distance from Stuarts Draft (miles) |
|---|---|---|---|---|
| Erie | Nelles Insurance Solutions Inc. | 2225 Lakeside Drive Suite C, Lynchburg, VA, 24501 | 44.2 | |
| State Farm | Jeff Rebich | 9980 Spotswood Trl, Mcgaheysville, VA, 22840-2421 | 29.2 | |
| State Farm | Patrick Blevins | 108 E Midland Trl, Lexington, VA, 24450-5700 | 27.9 | |
| Erie | Valley Trust Insurance Group | 829 Greenville Avenue, Staunton, VA, 24401 | 7.9 | |
| State Farm | Chris Branham | 1615 Jefferson Hwy Ste 110, Fishersville, VA, 22939-2270 | 6.2 | |
| Allstate | Chris Owen | 7335 Timberlake Rd Ste C, Lynchburg, VA, 24502 | 47.0 | |
| Allstate | Watson & Durrer Insurance | 8726 Seminole Trl Ste 3 Po Box 590, Ruckersville, VA, 22968 | 38.7 | |
| Liberty Mutual Independent | Virginia Insurance Partners | 516 1st St Ste B, Shenandoah, VA, 22849 | 38.7 | |
| Erie | Staley Insurance Agency Inc. | 1105 Greenville Avenue, Staunton, VA, 24401 | 7.6 | |
| Travelers | Bankers Insurance Llc | 320 N Central Ave, Staunton, VA, 24401 | 9.3 |
| Place | Typical Home Value | Typical Home Insurance Costs | 25th Percentile | 75th Percentile | Potential Savings & Difference between 25th & 75th Percentile |
|---|---|---|---|---|---|
| Virginia | $255,800 | $952 | $650 | $1,320 | $670 |
| Augusta County, VA | $206,300 | $856 | $580 | $1,190 | $610 |
| Stuarts Draft, VA | $190,100 | $715 | $490 | $1,010 | $520 |
| Waynesboro, VA | $161,600 | $658 | $470 | $910 | $440 |
| Nellysford, VA | $408,100 | $1,219 | $890 | $1,690 | $800 |
| Verona, VA | $160,400 | $780 | $570 | $1,080 | $510 |
| Harriston, VA | $156,900 | $770 | $520 | $1,090 | $570 |
| Weyers Cave, VA | $182,800 | $836 | $560 | $1,200 | $640 |
| Amherst County, VA | $151,500 | $731 | $490 | $1,000 | $510 |
| Buffalo, VA | $250,000 | $945 | $670 | $1,350 | $680 |
| Madison Heights, VA | $131,700 | $640 | $440 | $900 | $460 |
| Gordonsville, VA | $184,300 | $839 | $610 | $1,150 | $540 |