Gavop's guide to buying homeowners insurance in Williamsburg, 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.
| Williamsburg, VA - Neighbourhoods, Census Blocks & Streets | 2 Bedroom | 3 Bedroom | ||||
|---|---|---|---|---|---|---|
| Average Home Value | Estimated Replacement Value | Recommended Home Insurance Coverage | Average Home Value | Estimated Replacement Value | Recommended Home Insurance Coverage | |
| Parkway Dr, Williamsburg Ave, Holland Dr, Zelkova Rd, Bailey Dr, State Rte 132, Nelson Ave, Calvin St, Suri Dr, Walnut Hills Cir | $274,500 | $260,000 | $250,000-$300,000 | $390,000 | $360,000 | $400,000-$500,000 |
| W Duke of Gloucester St, Harrison Ave, Merrimac Trl, S Boundary St, Westover Ave, Alice St, Patricks Xing, Bypass Rd, Shirley Ave, Professional Dr | $362,500 | $290,000 | $250,000-$300,000 | $581,000 | $530,000 | $400,000-$500,000 |
| Watson Dr, Pearl St, N Mount Vernon Ave, N Nassau St, Francis St E, State Rte 637, State Rte 5, Franklin St, Governor Berkeley Rd, Woodmere Dr | $248,500 | $220,000 | $250,000-$300,000 | $462,500 | $410,000 | $500,000-$600,000 |
| Westgate Cir, State Rte 143, Walnut Hills Dr, Page St, Governors Dr, William Way, Dam Lake Ct, Dunning St, Norfolk St, Brettwood Ct | $476,500 | $390,000 | $400,000-$500,000 | $612,000 | $510,000 | $500,000-$600,000 |
| Jones Mill Ln, Park Pl, Capitol Ct, Hamilton St, Cary St, Virginia Ave, State Rte 321, Mill Neck Rd, Pocahontas Ave, Cherrywood Ct | $319,000 | $290,000 | $300,000-$350,000 | $400,500 | $330,000 | $300,000-$350,000 |
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$128 | $723 |
| Superior Protection Discount | -$77 | $774 |
| Fire & Security Discount | -$85 | $765 |
| Hail Resistant Roof Discount | -$17 | $833 |
| Newly Constructed Home Discount | -$187 | $663 |
| 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 |
| Ware | $1,500 | $732 | $2,232 | $532 | $2,032 | $200 |
| Williamsburg, VA | $700 | $840 | $1,540 | $610 | $1,310 | $230 |
| Westville, VA | $500 | $938 | $1,438 | $681 | $1,181 | $256 |
| Waverly, VA | $700 | $667 | $1,367 | $485 | $1,185 | $182 |
| Urbanna, VA | $500 | $913 | $1,413 | $663 | $1,163 | $249 |
| Sedley, VA | $1,000 | $768 | $1,768 | $558 | $1,558 | $210 |
| Central Garage, VA | $100 | $877 | $977 | $638 | $738 | $240 |
| Montrose, VA | $700 | $591 | $1,291 | $429 | $1,129 | $161 |
| Essex County, VA | $500 | $683 | $1,183 | $496 | $996 | $187 |
| Rockwood, VA | $700 | $722 | $1,422 | $525 | $1,225 | $197 |
| Home Insurance Company Williamsburg, VA | Homeowners Insurance Agency Williamsburg, VA | Address | Popularity Score | Distance from Williamsburg (miles) |
|---|---|---|---|---|
| State Farm | Nina Ambrose | 800 Juniper Cres Ste C, Chesapeake, VA, 23320-2689 | 42.0 | |
| Allstate | Marsha Weatherwax | 6941 Geo Wash Mem Hwy, Gloucester, VA, 23061 | 14.0 | |
| State Farm | Mike Livesay | 4355 Portsmouth Blvd, Portsmouth, VA, 23701-2539 | 36.7 | |
| State Farm | Jeremy Dixon | 200 Nat Turner Blvd S Ste 2, Newport News, VA, 23606-2998 | 17.6 | |
| State Farm | Amy Roberts | 26040 Cox Rd, Petersburg, VA, 23803-6566 | 41.4 | |
| Liberty Mutual Independent | Lindberg & Associates Insurance Llc | 233 Wythe Creek Rd Ste 202, Poquoson, VA, 23662 | 20.6 | |
| Farmers | Ariel Martin | 2140 William Styron Sq S, Newport News, VA, 23606 | 17.7 | |
| State Farm | Jason Dean | 12135 S Chalkley Rd, Chester, VA, 23831-3755 | 42.9 | |
| Travelers | Savage And Mcpherson Insurance Agency | 376 Kempsville Rd, Chesapeake, VA, 23320 | 45.1 | |
| Travelers | Insurance Agency Services Llc | 552s Battlefield Blvd, Chesapeake, VA, 23322 | 46.9 |
| Place | Typical Home Value | Typical Home Insurance Costs | 25th Percentile | 75th Percentile | Potential Savings & Difference between 25th & 75th Percentile |
|---|---|---|---|---|---|
| Virginia | $255,800 | $952 | $640 | $1,350 | $710 |
| Ware, VA | $206,800 | $741 | $530 | $1,050 | $520 |
| Williamsburg, VA | $307,000 | $850 | $620 | $1,220 | $600 |
| Westville, VA | $253,300 | $949 | $650 | $1,300 | $650 |
| Waverly, VA | $128,200 | $675 | $450 | $940 | $490 |
| Urbanna, VA | $233,600 | $924 | $620 | $1,280 | $660 |
| Sedley, VA | $159,400 | $777 | $530 | $1,100 | $570 |
| Central Garage, VA | $210,100 | $888 | $640 | $1,230 | $590 |
| Montrose, VA | $120,000 | $598 | $410 | $850 | $440 |
| Essex County, VA | $177,200 | $691 | $460 | $980 | $520 |
| Rockwood, VA | $199,800 | $731 | $500 | $1,050 | $550 |