Gavop's guide to buying homeowners insurance in Laurel, 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.
| Laurel, 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 | |
| Shadowood Ct, Farrell Ct, Darracott Rd, Leslie Ln, Johnston Ave, Woodman Ct, Wood Run Blvd, Pine Grove Dr, Shrader Rd, Convair Ln | $156,500 | $150,000 | $125,000-$150,000 | $130,500 | $110,000 | $100,000-$125,000 |
| Raymond Ave, Notre Dame Dr, Rambler Dr, Waddill Dr, Water Birch Ct, Blackstone Ave, Old Washington Hwy, Willow Ridge Pl, Impala Dr, Spider Dr | $203,500 | $180,000 | $200,000-$250,000 | $130,000 | $110,000 | $125,000-$150,000 |
| Kennedy Station Ln, Lambay Ct, Castlebar Ct, Ireton Rd, Royerton Dr, Benham Ct, Fitzgerald Ct, Fern Church Ct, Bunclody Ct, Northbourne Ct | $270,000 | $240,000 | $250,000-$300,000 | $119,500 | $110,000 | $125,000-$150,000 |
| Fairway Ave, Penniman Ct, Athens Ave, Hillery Ct, Laredo Ct, Dawson Mill Ct, Claytor Country Ln, Flanders Rd, Locbury Ln, Leslie Ct | $264,500 | $240,000 | $250,000-$300,000 | $158,500 | $150,000 | $150,000-$175,000 |
| Brigadoon Ct, Americana Dr, Elmbrook Rd, Willow Ridge Dr, Selkirk Ln, Borris Ct, Colyer St, Broadway Ave, Kennedy Station Pl, Pinkerton Pl | $213,500 | $170,000 | $200,000-$250,000 | $95,500 | $80,000 | $75,000-$100,000 |
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$130 | $554 |
| Superior Protection Discount | -$68 | $615 |
| Fire & Security Discount | -$55 | $629 |
| Hail Resistant Roof Discount | -$21 | $663 |
| Newly Constructed Home Discount | -$137 | $547 |
| 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 |
| Henrico County | $2,000 | $863 | $2,863 | $627 | $2,627 | $236 |
| Laurel, VA | $2,000 | $676 | $2,676 | $491 | $2,491 | $185 |
| Manchester, VA | $400 | $665 | $1,065 | $483 | $883 | $182 |
| Clover Hill, VA | $2,500 | $740 | $3,240 | $538 | $3,038 | $202 |
| Sandston, VA | $300 | $636 | $936 | $462 | $762 | $174 |
| Reedy Church, VA | $700 | $855 | $1,555 | $621 | $1,321 | $234 |
| Henrico County, VA | $400 | $863 | $1,263 | $627 | $1,027 | $236 |
| Central Garage, VA | $2,000 | $877 | $2,877 | $638 | $2,638 | $240 |
| New Kent County, VA | $100 | $791 | $891 | $575 | $675 | $216 |
| Lee Hill, VA | $700 | $814 | $1,514 | $592 | $1,292 | $222 |
| Shanghai, VA | $400 | $824 | $1,224 | $599 | $999 | $225 |
| King George County, VA | $2,000 | $827 | $2,827 | $601 | $2,601 | $226 |
| Home Insurance Company Laurel, VA | Homeowners Insurance Agency Laurel, VA | Address | Popularity Score | Distance from Laurel (miles) |
|---|---|---|---|---|
| Nationwide | Coates Insurance Agency | 5372 Twin Hickory Rd, Glen Allen, VA, 23059-5682 | 5.4 | |
| Erie | Diversity Insurance Agency Llc | 6002 W Broad Street Suite 201, Richmond, VA, 23230 | 3.0 | |
| Liberty Mutual Independent | Gfh Insurance Agency Inc | 4825 Radford Rd Ste 101, Richmond, VA, 23230 | 3.9 | |
| State Farm | Ray Garfinkel | 3311 W Broad St Ste 201, Richmond, VA, 23230-5000 | 5.1 | |
| Allstate | David Guthrie | 9510 Iron Bridge Rd Ste 150, Chesterfield, VA, 23832 | 17.5 | |
| Erie | Layton Insurance Llc | 8527 Mayland Drive Suite 105, Richmond, VA, 23294 | 2.5 | |
| State Farm | Nicole Tritaik | 11057 Three Chopt Rd, Richmond, VA, 23233-2023 | 4.4 | |
| Travelers | Winters Oliver Insurance Agency, Inc. | 8022 Mechanicsville Pike, Mechanicsville, VA, 23111 | 7.7 | |
| Nationwide | Hedrick Insurance & Financial | 310 Turner Rd Ste A, Richmond, VA, 23225 | 9.8 | |
| Allstate | Tribble Insurance Agency | 7084 Mechanicsville Tpke, Mechanicsville, VA, 23111 | 9.2 |
| 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 |
| Henrico County, VA | $223,900 | $874 | $600 | $1,210 | $610 |
| Laurel, VA | $173,400 | $684 | $460 | $980 | $520 |
| Manchester, VA | $168,100 | $673 | $480 | $940 | $460 |
| Clover Hill, VA | $212,700 | $749 | $530 | $1,030 | $500 |
| Sandston, VA | $132,700 | $644 | $440 | $890 | $450 |
| Reedy Church, VA | $197,000 | $865 | $600 | $1,200 | $600 |
| Henrico County, VA | $223,900 | $874 | $590 | $1,210 | $620 |
| Central Garage, VA | $210,100 | $888 | $640 | $1,250 | $610 |
| New Kent County, VA | $256,600 | $801 | $550 | $1,140 | $590 |
| Lee Hill, VA | $280,700 | $824 | $570 | $1,180 | $610 |
| Shanghai, VA | $182,100 | $834 | $560 | $1,150 | $590 |
| King George County, VA | $294,300 | $837 | $560 | $1,200 | $640 |