Gavop shows you how to buy homeowners insurance in Augusta 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.
| Augusta County, VA - Neighbourhoods, Census Blocks & Streets | 3 Bedroom | 2 Bedroom | ||||
|---|---|---|---|---|---|---|
| Average Home Value | Estimated Replacement Value | Recommended Home Insurance Coverage | Average Home Value | Estimated Replacement Value | Recommended Home Insurance Coverage | |
| Dooms Crossing Rd, Long Meadow Rd, Old Quarry Rd, Hotchkiss Rd, Idlewood Blvd, Sage Rd, Knightly Mill Rd, US Hwy 340, Todd Hill Ln, Rockfish Rd | $173,500 | $160,000 | $150,000-$175,000 | $143,500 | $130,000 | $125,000-$150,000 |
| Oak Springs Ln, Heston Farm Ln, Acorn Ln, Cabot Cove, Lofton Rd, Chesapeake Ln, Laurel Wood Dr, Winter Ln, Augusta Farms Rd, Kindig Rd | $286,000 | $240,000 | $250,000-$300,000 | $217,500 | $180,000 | $250,000-$300,000 |
| State Rte 1311, White Bridge Rd, Country Estates Blvd, Lindburgh Dr, Whispering Wind Ct, Old Stone Church Rd, Mill Creek Ln, Hilltop Dr, Walnut Hills Rd, Dry Branch Rd | $302,000 | $260,000 | $300,000-$350,000 | $182,000 | $150,000 | $175,000-$200,000 |
| Hilltop Terr Rd, State Rte 1804, Chatsworth Ct, Mt Pisgah Rd, Fall Ridge Dr, Quail Trl, State Rte 1318, Willow Spout Rd, New Hope Rd, Whispering Oaks Dr | $140,500 | $130,000 | $125,000-$150,000 | $120,500 | $110,000 | $75,000-$100,000 |
| Cherry St, Prince John Ct, State Rte 642, Essex Rd, Kyles Mill Rd, Kerr Ln, Kenwood Ln, Cherry Grove Rd, Click Rd, Carlson Mills Rd | $166,000 | $160,000 | $150,000-$175,000 | $182,000 | $170,000 | $200,000-$250,000 |
| Westminster Dr, Pete Cir, Friar Tuck Ct, Floyd Harlow Ln, Buttermilk Rd, Dogwood Rd, Hilltop Terrace Rd, Woodward St, Wallace Mill Rd, Scenic Mtn Ln | $150,500 | $120,000 | $125,000-$150,000 | $170,000 | $160,000 | $125,000-$150,000 |
| Dusty Ln, Shover Ln, Stagecoach Rd, Reeds Gap Rd, Timber Ridge Rd, State Rte 2203, Northside Dr, Barterbrook Rd, State Rte 1202, Scott Christian Rd | $213,500 | $190,000 | $200,000-$250,000 | $152,500 | $140,000 | $175,000-$200,000 |
| Hampshire Ln, State Rte 684, Roman Ridge Rd, Bredan Ln, Coleytown Rd, US Hwy 11, Brookmere Dr, Soprano Ln, Ridgeview Dr, Dog Creek Ln | $234,000 | $200,000 | $200,000-$250,000 | $129,500 | $120,000 | $100,000-$125,000 |
| Meadowbrook Dr, Mill Race Rd, State Rte 699, State Rte 254, Riner Ln, Hodges Draft Ln, Todd Rd, Valley Ln, Heizer Ln, Dirby | $160,000 | $140,000 | $150,000-$175,000 | $158,000 | $140,000 | $125,000-$150,000 |
| Spitler Cir, Butter Rd, Tinkling Springs Rd, Patrick Mill Ln, Scott-Christian Rd, Jeff Gordon's Ln, Haytie Rd, Oak St, Pilson Rd, Udder Ln | $182,500 | $160,000 | $175,000-$200,000 | $125,000 | $100,000 | $125,000-$150,000 |
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$128 | $727 |
| Superior Protection Discount | -$77 | $779 |
| Fire & Security Discount | -$60 | $796 |
| Hail Resistant Roof Discount | -$17 | $838 |
| Newly Constructed Home Discount | -$197 | $659 |
| 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 |
| Augusta County | $700 | $845 | $1,545 | $614 | $1,314 | $231 |
| Augusta County, VA | $1,000 | $845 | $1,845 | $614 | $1,614 | $231 |
| New Hope, VA | $100 | $882 | $982 | $641 | $741 | $241 |
| Craigsville, VA | $2,000 | $628 | $2,628 | $457 | $2,457 | $172 |
| Lyndhurst, VA | $500 | $832 | $1,332 | $605 | $1,105 | $227 |
| Nelson County, VA | $1,000 | $764 | $1,764 | $555 | $1,555 | $209 |
| Elkton, VA | $2,000 | $821 | $2,821 | $597 | $2,597 | $224 |
| Durbin, WV | $2,500 | $524 | $3,024 | $381 | $2,881 | $143 |
| Big Island, VA | $300 | $499 | $799 | $363 | $663 | $136 |
| Page County, VA | $2,000 | $673 | $2,673 | $489 | $2,489 | $184 |
| Home Insurance Company Augusta County, VA | Homeowners Insurance Agency Augusta County, VA | Address | Popularity Score | Distance from Augusta County (miles) |
|---|---|---|---|---|
| Allstate | Steve Harper | 3042 Berkmar Dr Ste C, Charlottesville, VA, 22901 | 36.9 | |
| State Farm | Jeff Rebich | 9980 Spotswood Trail, Mcgaheysville, VA, 22840-2421 | 26.8 | |
| Erie | Valley Trust Insurance Group | 829 Greenville Avenue, Staunton, VA, 24401 | 4.9 | |
| Allstate | George Jaffe | 617 W Main St, Charlottesville, VA, 22903 | 37.1 | |
| Travelers | Short Insurance Associates | 900 Gardens Blvd Ste 100, Charlottesville, VA, 22901 | 37.3 | |
| Erie | Warner Insurance Agency Llc | 1110 Churchville Avenue, Staunton, VA, 24401 | 3.2 | |
| Allstate | Insure All Llc | 714 E Main St, Stanley, VA, 22851 | 45.2 | |
| Liberty Mutual Independent | Virginia Insurance Partners | 516 1st St Ste B, Shenandoah, VA, 22849 | 35.8 | |
| Travelers | Bankers Insurance Llc | 320 N Central Ave, Staunton, VA, 24401 | 4.1 | |
| Travelers | Bankers Insurance Llc | 320 N Central Ave, Staunton, VA, 24401 | 4.1 |
| Place | Typical Home Value | Typical Home Insurance Costs | 25th Percentile | 75th Percentile | Potential Savings & Difference between 25th & 75th Percentile |
|---|---|---|---|---|---|
| Virginia | $255,800 | $952 | $690 | $1,300 | $610 |
| Augusta County, VA | $206,300 | $856 | $580 | $1,170 | $590 |
| Augusta County, VA | $206,300 | $856 | $590 | $1,180 | $590 |
| New Hope, VA | $213,000 | $893 | $620 | $1,240 | $620 |
| Craigsville, VA | $118,400 | $636 | $460 | $880 | $420 |
| Lyndhurst, VA | $185,600 | $842 | $580 | $1,200 | $620 |
| Nelson County, VA | $231,400 | $773 | $560 | $1,070 | $510 |
| Elkton, VA | $180,600 | $831 | $560 | $1,140 | $580 |
| Durbin, WV | $60,000 | $530 | $360 | $730 | $370 |
| Big Island, VA | $90,600 | $505 | $360 | $720 | $360 |
| Page County, VA | $172,200 | $681 | $470 | $970 | $500 |