Gavop shows you how to buy homeowners insurance in Southern, 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 | $40,000 | $40,000 | $25,000-$50,000 |
| 2 Bedroom | $122,500 | $110,000 | $100,000-$125,000 |
| 3 Bedroom | $150,500 | $130,000 | $100,000-$125,000 |
| 4 Bedroom | $227,500 | $210,000 | $250,000-$300,000 |
| 5 Bedroom | $157,500 | $150,000 | $125,000-$150,000 |
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$107 | $490 |
| Superior Protection Discount | -$60 | $537 |
| Fire & Security Discount | -$54 | $543 |
| Hail Resistant Roof Discount | -$12 | $585 |
| Newly Constructed Home Discount | -$131 | $466 |
| 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 |
| Tazewell County | $2,000 | $1,006 | $3,006 | $731 | $2,731 | $275 |
| Southern, VA | $1,500 | $590 | $2,090 | $429 | $1,929 | $161 |
| Park, VA | $300 | $909 | $1,209 | $660 | $960 | $248 |
| Atkins, VA | $2,500 | $599 | $3,099 | $435 | $2,935 | $164 |
| Bland County, VA | $100 | $909 | $1,009 | $660 | $760 | $248 |
| East Wytheville, VA | $500 | $798 | $1,298 | $580 | $1,080 | $218 |
| Davy, WV | $2,500 | $353 | $2,853 | $256 | $2,756 | $96 |
| Fort Chiswell, VA | $300 | $573 | $873 | $417 | $717 | $157 |
| Pineville, WV | $400 | $618 | $1,018 | $449 | $849 | $169 |
| Pine Creek, VA | $1,000 | $690 | $1,690 | $501 | $1,501 | $188 |
| Home Insurance Company Southern, VA | Homeowners Insurance Agency Southern, VA | Address | Popularity Score | Distance from Southern (miles) |
|---|---|---|---|---|
| Travelers | Trustpoint Insurance | 425 State St Ste #307, Bristol, VA, 24201 | 49.0 | |
| State Farm | Chris Goad | 231 S Main St, Hillsville, VA, 24343-1504 | 48.6 | |
| Travelers | Cbi Insurance | 18608 Lee Highway, Abingdon, VA, 24210 | 38.6 | |
| State Farm | Ben Wheeler | 507 Mountain Lake Ave, Pearisburg, VA, 24134-1629 | 46.9 | |
| Allstate | David Kennedy | 548 E Riverside Dr Ste B, North Tazewell, VA, 24630 | 4.6 | |
| Travelers | Bankers Insurance Llc | 180 South 4th Street, Wytheville, VA, 24382 | 25.5 | |
| Allstate | Barry Perdue | 2005 Leatherwood Ln Ste A, Bluefield, VA, 24605 | 19.7 | |
| State Farm | Tim Burnette | 2940 Paulena Dr Ste 1, Bristol, VA, 24202-5945 | 45.3 | |
| Nationwide | Don Hodson Insurance Associates Inc | 107 Eagle Dr, Pearisburg, VA, 24134-2112 | 46.4 | |
| Travelers | Mcfaddin & Associates Inc | 4633 Redbud Hwy, Honaker, VA, 24260 | 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 | $1,300 | $610 |
| Tazewell County, VA | $96,500 | $1,018 | $680 | $1,440 | $760 |
| Southern, VA | $119,800 | $597 | $430 | $830 | $400 |
| Park, VA | $94,200 | $920 | $630 | $1,280 | $650 |
| Atkins, VA | $111,300 | $606 | $440 | $840 | $400 |
| Bland County, VA | $109,300 | $920 | $660 | $1,310 | $650 |
| East Wytheville, VA | $170,900 | $808 | $550 | $1,160 | $610 |
| Davy, WV | $24,500 | $357 | $240 | $510 | $270 |
| Fort Chiswell, VA | $115,600 | $580 | $420 | $810 | $390 |
| Pineville, WV | $83,800 | $626 | $460 | $890 | $430 |
| Pine Creek, VA | $134,400 | $698 | $480 | $960 | $480 |