Gavop shows you how to buy homeowners insurance in Patrick County, 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 | $40,500 | $40,000 | $25,000-$50,000 |
| 2 Bedroom | $88,000 | $70,000 | $75,000-$100,000 |
| 3 Bedroom | $110,500 | $100,000 | $125,000-$150,000 |
| 4 Bedroom | $119,000 | $110,000 | $100,000-$125,000 |
| 5 Bedroom | $276,500 | $260,000 | $300,000-$350,000 |
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$93 | $489 |
| Superior Protection Discount | -$58 | $524 |
| Fire & Security Discount | -$41 | $541 |
| Hail Resistant Roof Discount | -$17 | $565 |
| Newly Constructed Home Discount | -$122 | $460 |
| 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 |
| Patrick County | $2,500 | $575 | $3,075 | $418 | $2,918 | $157 |
| Patrick County, VA | $2,500 | $575 | $3,075 | $418 | $2,918 | $157 |
| Peters Creek, NC | $400 | $689 | $1,089 | $500 | $900 | $188 |
| Blackwater, VA | $2,500 | $657 | $3,157 | $478 | $2,978 | $180 |
| Rural Hall, NC | $200 | $714 | $914 | $519 | $719 | $195 |
| Dobson, NC | $700 | $693 | $1,393 | $503 | $1,203 | $189 |
| Franklin County, VA | $300 | $788 | $1,088 | $572 | $872 | $215 |
| Boone, VA | $1,000 | $703 | $1,703 | $511 | $1,511 | $192 |
| Salem, VA | $300 | $676 | $976 | $492 | $792 | $185 |
| Wallburg, NC | $2,000 | $875 | $2,875 | $636 | $2,636 | $239 |
| Wytheville, VA | $400 | $679 | $1,079 | $493 | $893 | $186 |
| Clarksville, NC | $700 | $743 | $1,443 | $540 | $1,240 | $203 |
| Home Insurance Company Patrick County, VA | Homeowners Insurance Agency Patrick County, VA | Address | Popularity Score | Distance from Patrick County (miles) |
|---|---|---|---|---|
| Nationwide | Shelton Insurance And Financial Inc | 223 Central Ave Ste A, Christiansburg, VA, 24068 | 34.0 | |
| Nationwide | Beveridge & Associates | 2350 Electric Rd, Roanoke, VA, 24018-2309 | 42.1 | |
| Travelers | Fieldale Insurance Agency Inc | 51 Marshall Way, Fieldale, VA, 24089 | 19.5 | |
| Travelers | Fieldale Insurance Agency Inc | 51 Marshall Way, Fieldale, VA, 24089 | 19.5 | |
| Liberty Mutual Independent | Marsh & Mclennan Agency Llc | 1 S Jefferson St, Roanoke, VA, 24011 | 45.9 | |
| Nationwide | Ryan Harris Insurance And Financial Services Inc | 603 Apperson Dr, Salem, VA, 24153-7022 | 43.8 | |
| Travelers | Winstead Insurance Group Llc | 600 W Main St, Danville, VA, 24541 | 48.7 | |
| Liberty Mutual Independent | Chas Lunsford Sons & Assoc | 16 E Church Ave, Roanoke, VA, 24011 | 45.8 | |
| State Farm | Steve Renegar | 116 E Blue Ridge St, Stuart, VA, 24171 | 2.0 | |
| State Farm | Stella Gray | 251 Westover Drive, Danville, VA, 24541-5537 | 48.0 |
| Place | Typical Home Value | Typical Home Insurance Costs | 25th Percentile | 75th Percentile | Potential Savings & Difference between 25th & 75th Percentile |
|---|---|---|---|---|---|
| Virginia | $255,800 | $952 | $660 | $1,320 | $660 |
| Patrick County, VA | $116,000 | $582 | $400 | $810 | $410 |
| Patrick County, VA | $116,000 | $582 | $420 | $830 | $410 |
| Peters Creek, NC | $114,600 | $697 | $470 | $970 | $500 |
| Blackwater, VA | $164,900 | $665 | $470 | $920 | $450 |
| Rural Hall, NC | $120,100 | $723 | $520 | $1,020 | $500 |
| Dobson, NC | $127,000 | $701 | $500 | $960 | $460 |
| Franklin County, VA | $176,900 | $797 | $570 | $1,100 | $530 |
| Boone, VA | $188,200 | $711 | $490 | $970 | $480 |
| Salem, VA | $174,000 | $685 | $470 | $940 | $470 |
| Wallburg, NC | $159,000 | $886 | $650 | $1,230 | $580 |
| Wytheville, VA | $175,000 | $687 | $490 | $950 | $460 |
| Clarksville, NC | $126,500 | $752 | $530 | $1,080 | $550 |