Gavop shows you how to buy homeowners insurance in Opequon, 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 | $68,000 | $60,000 | $50,000-$75,000 |
| 2 Bedroom | $154,000 | $130,000 | $125,000-$150,000 |
| 3 Bedroom | $202,000 | $190,000 | $175,000-$200,000 |
| 4 Bedroom | $208,500 | $170,000 | $200,000-$250,000 |
| 5 Bedroom | $399,500 | $350,000 | $400,000-$500,000 |
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$107 | $656 |
| Superior Protection Discount | -$69 | $694 |
| Fire & Security Discount | -$84 | $679 |
| Hail Resistant Roof Discount | -$23 | $740 |
| Newly Constructed Home Discount | -$183 | $580 |
| 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 |
| Frederick County | $700 | $883 | $1,583 | $642 | $1,342 | $241 |
| Opequon, VA | $2,000 | $754 | $2,754 | $548 | $2,548 | $206 |
| Middleburg, VA | $400 | $1,351 | $1,751 | $982 | $1,382 | $369 |
| Berkeley County, WV | $2,500 | $838 | $3,338 | $609 | $3,109 | $229 |
| Hamilton, VA | $300 | $1,027 | $1,327 | $746 | $1,046 | $281 |
| Garretts Mill, MD | $2,500 | $871 | $3,371 | $633 | $3,133 | $238 |
| Ashburn, VA | $300 | $1,378 | $1,678 | $1,002 | $1,302 | $377 |
| University Center, VA | $1,500 | $1,003 | $2,503 | $729 | $2,229 | $274 |
| Buckhall, VA | $400 | $915 | $1,315 | $665 | $1,065 | $250 |
| Beaver Creek, MD | $2,500 | $1,404 | $3,904 | $1,020 | $3,520 | $384 |
| Elkton, VA | $100 | $821 | $921 | $597 | $697 | $224 |
| Rawlings, MD | $1,500 | $746 | $2,246 | $542 | $2,042 | $204 |
| Home Insurance Company Opequon, VA | Homeowners Insurance Agency Opequon, VA | Address | Popularity Score | Distance from Opequon (miles) |
|---|---|---|---|---|
| Erie | Sp Insurance Agency Inc. | 14526 Lee Road Suite 100, Chantilly, VA, 20151 | 42.5 | |
| Allstate | Steve Douglass | 21 Fort Evans Rd Ne Ste A, Leesburg, VA, 20176 | 36.0 | |
| Travelers | Partlow Insurance Agency | 2333 N Frederick Pike, Winchester, VA, 22603 | 12.4 | |
| State Farm | Dana Garrigan | 5675 Stone Rd Ste 240, Centreville, VA, 20120-1667 | 43.2 | |
| Travelers | Sonrise Insurance Agency | 377 Fairfax Pike Ste 3, Stephens City, VA, 22655 | 2.4 | |
| State Farm | Steve Sandoval | 13135 Lee J Meml Hwy Ste 104, Fairfax, VA, 22033-1907 | 45.2 | |
| State Farm | Steve Whaley | 9161 Liberia Ave Ste 302, Manassas, VA, 20110-1726 | 45.8 | |
| State Farm | Kim Smith | 136 Weems Ln, Winchester, VA, 22601-3604 | 8.1 | |
| State Farm | Al Nasiri | 8704 Sudley Rd, Manassas, VA, 20110-4405 | 43.7 | |
| Farmers | Janice Sutton | 10682 Crestwood Dr Ste A, Manassas, VA, 20109 | 42.0 |
| Place | Typical Home Value | Typical Home Insurance Costs | 25th Percentile | 75th Percentile | Potential Savings & Difference between 25th & 75th Percentile |
|---|---|---|---|---|---|
| Virginia | $255,800 | $952 | $690 | $1,320 | $630 |
| Frederick County, VA | $239,100 | $894 | $600 | $1,240 | $640 |
| Opequon, VA | $222,900 | $763 | $540 | $1,050 | $510 |
| Middleburg, VA | $445,900 | $1,367 | $1,000 | $1,900 | $900 |
| Berkeley County, WV | $168,200 | $848 | $610 | $1,200 | $590 |
| Hamilton, VA | $326,700 | $1,039 | $740 | $1,430 | $690 |
| Garretts Mill, MD | $238,200 | $882 | $700 | $1,110 | $410 |
| Ashburn, VA | $479,900 | $1,395 | $930 | $1,990 | $1,060 |
| University Center, VA | $309,000 | $1,015 | $740 | $1,390 | $650 |
| Buckhall, VA | $431,200 | $926 | $640 | $1,310 | $670 |
| Beaver Creek, MD | $422,200 | $1,421 | $1,120 | $1,790 | $670 |
| Elkton, VA | $180,600 | $831 | $590 | $1,150 | $560 |
| Rawlings, MD | $168,000 | $755 | $600 | $950 | $350 |