Gavop's guide to buying homeowners insurance in Galax, 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 | $39,000 | $30,000 | $25,000-$50,000 |
| 2 Bedroom | $101,500 | $90,000 | $100,000-$125,000 |
| 3 Bedroom | $158,500 | $140,000 | $150,000-$175,000 |
| 4 Bedroom | $147,000 | $130,000 | $125,000-$150,000 |
| 5 Bedroom | $198,000 | $170,000 | $200,000-$250,000 |
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$143 | $649 |
| Superior Protection Discount | -$71 | $721 |
| Fire & Security Discount | -$71 | $721 |
| Hail Resistant Roof Discount | -$24 | $768 |
| Newly Constructed Home Discount | -$230 | $562 |
| 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 |
| Hillsville | $700 | $568 | $1,268 | $413 | $1,113 | $155 |
| Galax, VA | $700 | $782 | $1,482 | $569 | $1,269 | $214 |
| Pine Creek, VA | $400 | $690 | $1,090 | $501 | $901 | $188 |
| South Westfield, NC | $1,000 | $711 | $1,711 | $517 | $1,517 | $194 |
| Elkin, NC | $200 | $693 | $893 | $504 | $704 | $189 |
| Boonville, NC | $2,000 | $638 | $2,638 | $464 | $2,464 | $174 |
| Wilkesboro, NC | $400 | $735 | $1,135 | $534 | $934 | $201 |
| North Fork, VA | $2,000 | $485 | $2,485 | $353 | $2,353 | $133 |
| Creston, NC | $200 | $643 | $843 | $467 | $667 | $176 |
| Narrows, VA | $1,500 | $538 | $2,038 | $391 | $1,891 | $147 |
| Saltville, VA | $400 | $399 | $799 | $290 | $690 | $109 |
| Home Insurance Company Galax, VA | Homeowners Insurance Agency Galax, VA | Address | Popularity Score | Distance from Galax (miles) |
|---|---|---|---|---|
| Nationwide | Shelton Insurance And Financial Inc | 223 Central Ave Ste A, Christiansburg, VA, 24068 | 43.4 | |
| Travelers | Snow Insurance | 708 N Main St, Hillsville, VA, 24343 | 12.1 | |
| State Farm | Robby Wingate | 578 E Main St Ste A, Independence, VA, 24348-3880 | 13.1 | |
| Travelers | Hanks Insurance Agency Inc | 501 Glendale Rd, Galax, VA, 24333 | 0.5 | |
| Farmers | Leah Huffman-Chase | 665 E Main St, Wytheville, VA, 24382 | 21.8 | |
| State Farm | Chris Turman | 1500 N Main St, Blacksburg, VA, 24060-2524 | 48.9 | |
| State Farm | Ben Wheeler | 507 Mountain Lake Ave, Pearisburg, VA, 24134-1629 | 46.7 | |
| Travelers | Bankers Insurance Llc | 180 South 4th Street, Wytheville, VA, 24382 | 21.6 | |
| Nationwide | Waller Insurance & Financial Services Inc | 7599 Carrollton Pike, Galax, VA, 24333 | 3.8 | |
| Allstate | Barry Perdue | 2005 Leatherwood Ln Ste A, Bluefield, VA, 24605 | 43.8 |
| Place | Typical Home Value | Typical Home Insurance Costs | 25th Percentile | 75th Percentile | Potential Savings & Difference between 25th & 75th Percentile |
|---|---|---|---|---|---|
| Virginia | $255,800 | $952 | $690 | $1,310 | $620 |
| Hillsville, VA | $104,500 | $575 | $410 | $800 | $390 |
| Galax, VA | $105,500 | $792 | $540 | $1,080 | $540 |
| Pine Creek, VA | $134,400 | $698 | $480 | $1,000 | $520 |
| South Westfield, NC | $119,500 | $720 | $530 | $1,000 | $470 |
| Elkin, NC | $146,000 | $701 | $510 | $1,000 | $490 |
| Boonville, NC | $104,300 | $646 | $460 | $910 | $450 |
| Wilkesboro, NC | $159,000 | $744 | $530 | $1,050 | $520 |
| North Fork, VA | $87,900 | $491 | $330 | $700 | $370 |
| Creston, NC | $105,400 | $651 | $440 | $920 | $480 |
| Narrows, VA | $98,300 | $545 | $370 | $750 | $380 |
| Saltville, VA | $72,900 | $404 | $270 | $550 | $280 |