Gavop's guide to buying homeowners insurance in Fredericksburg, 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.
| Bedrooms | Average Home Value | Estimated Replacement Value | Recommended Home Insurance Coverage |
|---|---|---|---|
| 1 Bedroom | $115,500 | $110,000 | $100,000-$125,000 |
| 2 Bedroom | $290,500 | $260,000 | $300,000-$350,000 |
| 3 Bedroom | $259,000 | $240,000 | $250,000-$300,000 |
| 4 Bedroom | $529,500 | $460,000 | $500,000-$600,000 |
| 5 Bedroom | $310,000 | $280,000 | $350,000-$400,000 |
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$169 | $722 |
| Superior Protection Discount | -$89 | $802 |
| Fire & Security Discount | -$62 | $829 |
| Hail Resistant Roof Discount | -$18 | $873 |
| Newly Constructed Home Discount | -$258 | $633 |
| 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 |
| Falmouth | $2,500 | $821 | $3,321 | $596 | $3,096 | $224 |
| Fredericksburg, VA | $1,000 | $881 | $1,881 | $640 | $1,640 | $241 |
| Prince William County, VA | $500 | $1,003 | $1,503 | $729 | $1,229 | $274 |
| Manassas, VA | $700 | $960 | $1,660 | $698 | $1,398 | $262 |
| Manassas Park, VA | $300 | $798 | $1,098 | $580 | $880 | $218 |
| La Plata, MD | $700 | $783 | $1,483 | $569 | $1,269 | $214 |
| Yorkshire, VA | $500 | $801 | $1,301 | $582 | $1,082 | $219 |
| North Springfield, VA | $1,500 | $1,343 | $2,843 | $976 | $2,476 | $367 |
| South Anna, VA | $100 | $853 | $953 | $620 | $720 | $233 |
| Mountain Road, VA | $2,000 | $846 | $2,846 | $615 | $2,615 | $231 |
| Temple Hills, MD | $500 | $735 | $1,235 | $534 | $1,034 | $201 |
| Home Insurance Company Fredericksburg, VA | Homeowners Insurance Agency Fredericksburg, VA | Address | Popularity Score | Distance from Fredericksburg (miles) |
|---|---|---|---|---|
| State Farm | Dave Holland | 7925 Jones Branch Dr Ste Ll300, Mclean, VA, 22102-3380 | 45.9 | |
| Erie | Central Park Insurance | 2606 Lafayette Blvd, Fredericksburg, VA, 22408 | 1.9 | |
| Allstate | Chris Payne | 2146 Jefferson Davis Hwy, Stafford, VA, 22554 | 9.6 | |
| Travelers | Jms & Associates Llc | 12413 Bristol Ln, Glen Allen, VA, 23059 | 42.4 | |
| Liberty Mutual Independent | Robins Insurance Agency Inc | 2800 Parham Rd, Richmond, VA, 23255 | 45.6 | |
| State Farm | Johno Steffen | 2762 Washington Blvd, Arlington, VA, 22201-1957 | 45.5 | |
| Allstate | Tram Kim Le | 5613 Leesburg Pike Ste 19, Falls Church, VA, 22041 | 42.6 | |
| Allstate | Wally Lim Arcayan | 10565 Fairfax Blvd Ste 104, Fairfax, VA, 22030 | 39.7 | |
| Allstate | Eric Burke | 2812 Old Lee Hwy Ste 200, Fairfax, VA, 22031 | 41.9 | |
| Allstate | American Standard | 17180 Dahlgren Rd, King George, VA, 22485 | 23.9 |
| Place | Typical Home Value | Typical Home Insurance Costs | 25th Percentile | 75th Percentile | Potential Savings & Difference between 25th & 75th Percentile |
|---|---|---|---|---|---|
| Virginia | $255,800 | $952 | $680 | $1,340 | $660 |
| Falmouth, VA | $288,000 | $831 | $570 | $1,140 | $570 |
| Fredericksburg, VA | $341,200 | $891 | $650 | $1,240 | $590 |
| Prince William County, VA | $358,300 | $1,016 | $700 | $1,430 | $730 |
| Manassas, VA | $307,000 | $972 | $650 | $1,350 | $700 |
| Manassas Park, VA | $263,300 | $807 | $540 | $1,150 | $610 |
| La Plata, MD | $336,700 | $793 | $630 | $1,000 | $370 |
| Yorkshire, VA | $267,100 | $811 | $560 | $1,120 | $560 |
| North Springfield, VA | $444,100 | $1,359 | $960 | $1,920 | $960 |
| South Anna, VA | $319,100 | $864 | $600 | $1,180 | $580 |
| Mountain Road, VA | $192,700 | $856 | $570 | $1,180 | $610 |
| Temple Hills, MD | $240,200 | $744 | $590 | $940 | $350 |