Gavop's guide to buying homeowners insurance in Stonehouse, 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 | $83,000 | $80,000 | $75,000-$100,000 |
| 2 Bedroom | $246,500 | $200,000 | $250,000-$300,000 |
| 3 Bedroom | $231,000 | $200,000 | $200,000-$250,000 |
| 4 Bedroom | $254,500 | $230,000 | $300,000-$350,000 |
| 5 Bedroom | $680,000 | $560,000 | $700,000-$800,000 |
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$135 | $708 |
| Superior Protection Discount | -$84 | $758 |
| Fire & Security Discount | -$59 | $784 |
| Hail Resistant Roof Discount | -$17 | $826 |
| Newly Constructed Home Discount | -$227 | $615 |
| 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 |
| James City County | $700 | $988 | $1,688 | $718 | $1,418 | $270 |
| Stonehouse, VA | $1,000 | $832 | $1,832 | $605 | $1,605 | $227 |
| Powhatan, VA | $100 | $853 | $953 | $620 | $720 | $233 |
| Charles City, VA | $700 | $653 | $1,353 | $475 | $1,175 | $178 |
| Surry, VA | $400 | $957 | $1,357 | $696 | $1,096 | $262 |
| Stevensville, VA | $700 | $828 | $1,528 | $602 | $1,302 | $226 |
| Dendron, VA | $200 | $741 | $941 | $539 | $739 | $203 |
| Newport News, VA | $2,500 | $814 | $3,314 | $591 | $3,091 | $222 |
| Isle of Wight County, VA | $300 | $895 | $1,195 | $651 | $951 | $245 |
| Manchester, VA | $700 | $665 | $1,365 | $483 | $1,183 | $182 |
| Wyndham, VA | $300 | $983 | $1,283 | $715 | $1,015 | $269 |
| Franklin, VA | $2,000 | $700 | $2,700 | $508 | $2,508 | $191 |
| Home Insurance Company Stonehouse, VA | Homeowners Insurance Agency Stonehouse, VA | Address | Popularity Score | Distance from Stonehouse (miles) |
|---|---|---|---|---|
| State Farm | Tracey Vinson | 3900 Greenway Ct N, Portsmouth, VA, 23707-3802 | 46.1 | |
| Allstate | Nelson Kelley | 12472 Warwick Blvd, Newport News, VA, 23606 | 27.4 | |
| State Farm | Lindsey Patto | 3916 Portsmouth Blvd Ste A6, Chesapeake, VA, 23321-3656 | 44.6 | |
| State Farm | Mike Livesay | 4355 Portsmouth Blvd, Portsmouth, VA, 23701-2539 | 46.3 | |
| Travelers | Goodrich & Watson Insurers Inc | 11837 Rock Landing Dr Ste 103, Newport News, VA, 23606 | 27.4 | |
| Allstate | Mason Pasquin Agency | 110 Bacon Ave, Williamsburg, VA, 23185 | 8.6 | |
| State Farm | Jon Fratter | 4521 Geo Wash Mem Hwy, Yorktown, VA, 23692-2702 | 24.1 | |
| State Farm | Bill Conley | 7516 Jefferson Davis Highway, Richmond, VA, 23237-4439 | 35.4 | |
| Farmers | Ariel Martin | 2140 William Styron Sq S, Newport News, VA, 23606 | 27.1 | |
| State Farm | Taylor Ethridge | 1326 E Pembroke Ave, Hampton, VA, 23669-2445 | 35.8 |
| Place | Typical Home Value | Typical Home Insurance Costs | 25th Percentile | 75th Percentile | Potential Savings & Difference between 25th & 75th Percentile |
|---|---|---|---|---|---|
| Virginia | $255,800 | $952 | $690 | $1,350 | $660 |
| James City County, VA | $328,700 | $1,000 | $680 | $1,370 | $690 |
| Stonehouse, VA | $299,700 | $843 | $580 | $1,200 | $620 |
| Powhatan, VA | $319,200 | $864 | $590 | $1,190 | $600 |
| Charles City, VA | $163,000 | $661 | $450 | $910 | $460 |
| Surry, VA | $270,500 | $969 | $660 | $1,390 | $730 |
| Stevensville, VA | $184,000 | $838 | $570 | $1,190 | $620 |
| Dendron, VA | $150,200 | $750 | $510 | $1,070 | $560 |
| Newport News, VA | $189,300 | $824 | $590 | $1,170 | $580 |
| Isle of Wight County, VA | $249,100 | $906 | $610 | $1,290 | $680 |
| Manchester, VA | $168,100 | $673 | $460 | $950 | $490 |
| Wyndham, VA | $486,200 | $995 | $690 | $1,380 | $690 |
| Franklin, VA | $186,100 | $708 | $510 | $1,010 | $500 |