Gavop tells you how to get the best homeowners insurance in Hardy, VA by getting the correct coverage, picking the right deductible, showing the best agents, comparing the cheapest rates, showing real customer reviews, etc.
| Bedrooms | Average Home Value | Estimated Replacement Value | Recommended Home Insurance Coverage |
|---|---|---|---|
| 1 Bedroom | $89,000 | $80,000 | $75,000-$100,000 |
| 2 Bedroom | $232,000 | $200,000 | $200,000-$250,000 |
| 3 Bedroom | $171,500 | $150,000 | $150,000-$175,000 |
| 4 Bedroom | $356,500 | $290,000 | $350,000-$400,000 |
| 5 Bedroom | $376,000 | $350,000 | $300,000-$350,000 |
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$117 | $572 |
| Superior Protection Discount | -$62 | $628 |
| Fire & Security Discount | -$48 | $641 |
| Hail Resistant Roof Discount | -$14 | $676 |
| Newly Constructed Home Discount | -$138 | $552 |
| 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 |
| Isle of Wight County | $2,000 | $895 | $2,895 | $651 | $2,651 | $245 |
| Hardy, VA | $1,500 | $681 | $2,181 | $495 | $1,995 | $186 |
| Gloucester Point, VA | $200 | $769 | $969 | $559 | $759 | $210 |
| Waverly, VA | $2,500 | $667 | $3,167 | $485 | $2,985 | $182 |
| Jerusalem, VA | $300 | $847 | $1,147 | $615 | $915 | $231 |
| Newville, VA | $700 | $791 | $1,491 | $575 | $1,275 | $216 |
| Newsoms, VA | $200 | $657 | $857 | $477 | $677 | $180 |
| Cape Charles, VA | $1,000 | $1,034 | $2,034 | $752 | $1,752 | $283 |
| Newland, NC | $200 | $623 | $823 | $453 | $653 | $170 |
| Murfreesboro, NC | $1,000 | $868 | $1,868 | $631 | $1,631 | $237 |
| Jamaica, VA | $200 | $872 | $1,072 | $634 | $834 | $238 |
| Harrellsville, NC | $1,000 | $462 | $1,462 | $336 | $1,336 | $126 |
| Home Insurance Company Hardy, VA | Homeowners Insurance Agency Hardy, VA | Address | Popularity Score | Distance from Hardy (miles) |
|---|---|---|---|---|
| Nationwide | J D Auvil Inc | 15064 Carrollton Blvd Ste N, Carrollton, VA, 23314-3579 | 8.7 | |
| State Farm | Lindsey Patto | 3916 Portsmouth Blvd Ste A6, Chesapeake, VA, 23321-3656 | 18.8 | |
| State Farm | Stephanie Grayson | 1021 Eden Way N Ste 119, Chesapeake, VA, 23320-2776 | 28.8 | |
| Farmers | John Hendrix | 7336 Main St, Gloucester, VA, 23061 | 28.5 | |
| Nationwide | John Scarborough Inc | 11745 Jefferson Ave Ste 10-B, Newport News, VA, 23606-1998 | 11.6 | |
| State Farm | Andy Saunders | 825 Battlefld Blvd S, Chesapeake, VA, 23322-6607 | 31.7 | |
| Allstate | Roberts Insurance & Financial Services Inc. | 3115 Wstrn Brnch Blvd Ste 105, Chesapeake, VA, 23321 | 17.3 | |
| State Farm | Erica Chigos-White | 1158 Big Bethel Rd, Hampton, VA, 23666-1906 | 13.6 | |
| Travelers | Insurance Agency Services Llc | 1055 Kempsville Rd Providence Sq Shopping Center, Virginia Beach, VA, 23464 | 30.4 | |
| Farmers | Adam Fleischman | 1117 Eden Way N, Chesapeake, VA, 23320 | 28.9 |
| Place | Typical Home Value | Typical Home Insurance Costs | 25th Percentile | 75th Percentile | Potential Savings & Difference between 25th & 75th Percentile |
|---|---|---|---|---|---|
| Virginia | $255,800 | $952 | $650 | $1,300 | $650 |
| Isle of Wight County, VA | $249,100 | $906 | $640 | $1,250 | $610 |
| Hardy, VA | $176,400 | $690 | $480 | $960 | $480 |
| Gloucester Point, VA | $236,200 | $779 | $540 | $1,110 | $570 |
| Waverly, VA | $128,200 | $675 | $470 | $970 | $500 |
| Jerusalem, VA | $193,300 | $857 | $590 | $1,230 | $640 |
| Newville, VA | $168,300 | $801 | $570 | $1,150 | $580 |
| Newsoms, VA | $125,600 | $665 | $470 | $950 | $480 |
| Cape Charles, VA | $332,400 | $1,047 | $720 | $1,460 | $740 |
| Newland, NC | $101,400 | $631 | $450 | $900 | $450 |
| Murfreesboro, NC | $84,400 | $879 | $610 | $1,220 | $610 |
| Jamaica, VA | $206,900 | $883 | $600 | $1,260 | $660 |
| Harrellsville, NC | $72,600 | $468 | $320 | $660 | $340 |