Gavop's guide to buying homeowners insurance in Clover Hill, 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.
| Clover Hill, VA - Neighbourhoods, Census Blocks & Streets | 3 Bedroom | 4 Bedroom | ||||
|---|---|---|---|---|---|---|
| Average Home Value | Estimated Replacement Value | Recommended Home Insurance Coverage | Average Home Value | Estimated Replacement Value | Recommended Home Insurance Coverage | |
| Greglynn Rd, Summers Trace Dr, Barnes Spring Ter, Kingussle Ln, Grizzard Dr, Rexmoor Ct, Iverson Rd, Hazeltine Ct, Decoy Ln, Melville Dr | $189,000 | $170,000 | $200,000-$250,000 | $252,000 | $210,000 | $250,000-$300,000 |
| Wexwood Pl, Wind Pl, Trisha Trl, Queen Scot Dr, Holding Pond Ln, Beaver Falls Ct, State Rte 754, Quail Hunt Ct, Farnborough Dr, County Line Rd | $173,000 | $140,000 | $125,000-$150,000 | $353,500 | $330,000 | $300,000-$350,000 |
| Nuttree Woods Ln, Red Chestnut Ct, Arch Rd, Woodyshade Cir, Sturgis Dr, N Courthouse Rd, Regatta Pointe Ct, Rayburn Rd, Gordon School Rd, Luton Ct | $324,000 | $300,000 | $300,000-$350,000 | $305,000 | $280,000 | $300,000-$350,000 |
| Lumlay Rd, Red Fern Ct, Deer Meadow Pl, Timberun Rd, Morning Dove Mews, Commodore Point Cir, Claypool Ct, Wadsworth Way, McTyres Cove Ct, Ridgemoor Ln | $222,000 | $200,000 | $175,000-$200,000 | $320,500 | $300,000 | $300,000-$350,000 |
| Shadymist Dr, Windy Creek Ct, Mountain Pine Blvd, Highberry Woods Pl, Heth Pl, Bromwich Dr, Foxglove Rd, Sterlings Bridge Rd, Rams Xing, Fox Chase Ln | $277,500 | $220,000 | $200,000-$250,000 | $412,500 | $340,000 | $400,000-$500,000 |
| Dulles Dr, Ansbauch Dr, Genito Ln, Silliman Dr, Gravity Hill Ln, Parrish Branch Cir, Overlea Dr, Forest Wood Rd, Old Lewiston Rd, Elkview Dr | $246,500 | $210,000 | $250,000-$300,000 | $255,000 | $240,000 | $250,000-$300,000 |
| W Poplar Grove Rd, Rose Glen Pl, Arboretum Pl, Crosstimbers Pl, Natural Bridge Ct, Queens Pl, Woodward Ct, Providence Ridge Ter, Water Horse Ct, Gateshead Dr | $160,000 | $140,000 | $150,000-$175,000 | $327,000 | $300,000 | $300,000-$350,000 |
| Terrybluff Dr, Nuttree Woods Ter, Arkay Dr, Lynaire Dr, Duck River Rd, Walhala Cir, Meeting Gate Rd, Village View Dr, Scottingham Dr, Ironwood Rd | $184,500 | $170,000 | $175,000-$200,000 | $255,000 | $230,000 | $250,000-$300,000 |
| Rockmont Ct, Gregory Dr, Berry Patch Dr, Rams Cir, Venango Ln, Shiloh Church Rd, Flour Mill Ct, Allworthy Ln, Pocono Dr, Claypool Rd | $174,000 | $140,000 | $175,000-$200,000 | $459,500 | $430,000 | $500,000-$600,000 |
| Krim Point Rd, Goodward Rd, Towchester Dr, Sunset Hills Ct, Jade Rd, Kimwood Rd, Condrey Ridge Ct, Dowd Ln, Commodore Point Ct, Biggin Pond Pl | $410,500 | $360,000 | $400,000-$500,000 | $427,500 | $350,000 | $350,000-$400,000 |
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$120 | $629 |
| Superior Protection Discount | -$67 | $682 |
| Fire & Security Discount | -$67 | $682 |
| Hail Resistant Roof Discount | -$15 | $734 |
| Newly Constructed Home Discount | -$157 | $592 |
| 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 |
| Chesterfield County | $2,000 | $863 | $2,863 | $627 | $2,627 | $236 |
| Clover Hill, VA | $2,500 | $740 | $3,240 | $538 | $3,038 | $202 |
| Chester, VA | $200 | $734 | $934 | $533 | $733 | $200 |
| Chamberlayne, VA | $700 | $739 | $1,439 | $537 | $1,237 | $202 |
| Central Garage, VA | $400 | $877 | $1,277 | $638 | $1,038 | $240 |
| New Kent, VA | $700 | $1,077 | $1,777 | $783 | $1,483 | $294 |
| New Kent County, VA | $500 | $791 | $1,291 | $575 | $1,075 | $216 |
| Newtown, VA | $2,000 | $599 | $2,599 | $435 | $2,435 | $164 |
| Farmville, VA | $200 | $669 | $869 | $486 | $686 | $183 |
| Surry County, VA | $1,000 | $674 | $1,674 | $490 | $1,490 | $184 |
| Scotland, VA | $300 | $1,640 | $1,940 | $1,192 | $1,492 | $448 |
| Totaro, VA | $2,000 | $599 | $2,599 | $435 | $2,435 | $164 |
| Home Insurance Company Clover Hill, VA | Homeowners Insurance Agency Clover Hill, VA | Address | Popularity Score | Distance from Clover Hill (miles) |
|---|---|---|---|---|
| State Farm | Dwight Beamon | 7432 Richmond Rd, Williamsburg, VA, 23188-7223 | 46.2 | |
| State Farm | Rachael Jones | 6970 Forest Hill Ave, Richmond, VA, 23225-1606 | 7.0 | |
| Allstate | Patrick Odonnell | 5251 John Tyler Hwy Ste 58, Williamsburg, VA, 23185 | 49.4 | |
| State Farm | Bill Conley | 7516 Jefferson Davis Highway, Richmond, VA, 23237-4439 | 9.4 | |
| Allstate | Tabetha Campbell-Thompson | 7012 Woodlake Commons Loop, Midlothian, VA, 23112 | 5.9 | |
| State Farm | Mark Webb | 1208 S Main St, Farmville, VA, 23901 | 45.3 | |
| State Farm | Ray Garfinkel | 3311 W Broad St Ste 201, Richmond, VA, 23230-5000 | 10.3 | |
| Allstate | Harrison-Coons Agency | 11108 Hull Street Rd, Midlothian, VA, 23112 | 1.4 | |
| Allstate | Linwood Heath | 15 N Thompson St, Richmond, VA, 23221 | 9.3 | |
| State Farm | Chris Smith | 4946 Millridge Pkwy E, Midlothian, VA, 23112-4859 | 3.1 |
| Place | Typical Home Value | Typical Home Insurance Costs | 25th Percentile | 75th Percentile | Potential Savings & Difference between 25th & 75th Percentile |
|---|---|---|---|---|---|
| Virginia | $255,800 | $952 | $690 | $1,340 | $650 |
| Chesterfield County, VA | $224,200 | $874 | $630 | $1,210 | $580 |
| Clover Hill, VA | $212,700 | $749 | $500 | $1,030 | $530 |
| Chester, VA | $207,600 | $743 | $510 | $1,030 | $520 |
| Chamberlayne, VA | $211,800 | $748 | $510 | $1,030 | $520 |
| Central Garage, VA | $210,100 | $888 | $630 | $1,230 | $600 |
| New Kent, VA | $357,400 | $1,090 | $780 | $1,500 | $720 |
| New Kent County, VA | $256,600 | $801 | $580 | $1,100 | $520 |
| Newtown, VA | $111,300 | $606 | $410 | $840 | $430 |
| Farmville, VA | $170,300 | $677 | $470 | $960 | $490 |
| Surry County, VA | $172,700 | $682 | $470 | $970 | $500 |
| Scotland, VA | $512,500 | $1,660 | $1,180 | $2,310 | $1,130 |
| Totaro, VA | $111,400 | $606 | $420 | $850 | $430 |