Gavop tells you how to get the best homeowners insurance in Lake Monticello, VA by getting the correct coverage, picking the right deductible, showing the best agents, comparing the cheapest rates, showing real customer reviews, etc.
| Bedrooms | Average Home Value | Estimated Replacement Value | Recommended Home Insurance Coverage |
|---|---|---|---|
| 2 Bedroom | $195,000 | $160,000 | $150,000-$175,000 |
| 3 Bedroom | $174,000 | $160,000 | $175,000-$200,000 |
| 4 Bedroom | $309,500 | $270,000 | $300,000-$350,000 |
| 5 Bedroom | $648,500 | $610,000 | $600,000-$700,000 |
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$137 | $625 |
| Superior Protection Discount | -$76 | $686 |
| Fire & Security Discount | -$84 | $679 |
| Hail Resistant Roof Discount | -$23 | $740 |
| Newly Constructed Home Discount | -$183 | $580 |
| 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 |
| Fluvanna County | $2,000 | $760 | $2,760 | $552 | $2,552 | $208 |
| Lake Monticello, VA | $2,000 | $754 | $2,754 | $548 | $2,548 | $206 |
| Albemarle County, VA | $200 | $989 | $1,189 | $719 | $919 | $270 |
| Free Union, VA | $1,500 | $1,029 | $2,529 | $748 | $2,248 | $281 |
| White Hall, VA | $1,000 | $895 | $1,895 | $651 | $1,651 | $245 |
| Goochland County, VA | $400 | $863 | $1,263 | $627 | $1,027 | $236 |
| Stonewall, VA | $1,000 | $702 | $1,702 | $510 | $1,510 | $192 |
| Culpeper, VA | $100 | $756 | $856 | $549 | $649 | $207 |
| Short Pump, VA | $1,500 | $835 | $2,335 | $606 | $2,106 | $228 |
| Hanover County, VA | $500 | $916 | $1,416 | $666 | $1,166 | $250 |
| Laurel, VA | $700 | $676 | $1,376 | $491 | $1,191 | $185 |
| Home Insurance Company Lake Monticello, VA | Homeowners Insurance Agency Lake Monticello, VA | Address | Popularity Score | Distance from Lake Monticello (miles) |
|---|---|---|---|---|
| State Farm | Myra Howard | 7202 Glen Forest Dr Ste 310, Richmond, VA, 23226-3770 | 49.0 | |
| State Farm | Leon Litz | 9001 Three Chopt Rd, Henrico, VA, 23229-4616 | 47.3 | |
| Travelers | W A Watson & Sons Insurance Agency | 106 N Main St, Farmville, VA, 23901 | 42.8 | |
| Allstate | Christopher Goodin | 1800 Southcreek One Ste E, Powhatan, VA, 23139 | 40.6 | |
| State Farm | Wyndham Murray | 13872 Coalfld Cmns Pl Ste 103, Midlothian, VA, 23114-1217 | 47.5 | |
| Allstate | Bill Wyant | 9919 Southpoint Pkwy, Fredericksburg, VA, 22407 | 50.0 | |
| State Farm | Ken Loving | 125 Thompson St, Ashland, VA, 23005-1511 | 47.7 | |
| Travelers | Hubbard Lash Insurance | 311a E Third St, Farmville, VA, 23901 | 42.8 | |
| State Farm | Reggie Dickerson | 5390 Twin Hickory Rd, Glen Allen, VA, 23059-5682 | 43.9 | |
| Allstate | Tribble Insurance Agency | 10120 W Broad St Ste H, Glen Allen, VA, 23060 | 45.7 |
| Place | Typical Home Value | Typical Home Insurance Costs | 25th Percentile | 75th Percentile | Potential Savings & Difference between 25th & 75th Percentile |
|---|---|---|---|---|---|
| Virginia | $255,800 | $952 | $660 | $1,300 | $640 |
| Fluvanna County, VA | $228,100 | $769 | $550 | $1,070 | $520 |
| Lake Monticello, VA | $222,500 | $763 | $520 | $1,060 | $540 |
| Albemarle County, VA | $329,600 | $1,001 | $710 | $1,390 | $680 |
| Free Union, VA | $329,200 | $1,042 | $700 | $1,430 | $730 |
| White Hall, VA | $351,400 | $906 | $630 | $1,280 | $650 |
| Goochland County, VA | $327,700 | $874 | $600 | $1,230 | $630 |
| Stonewall, VA | $187,500 | $711 | $520 | $1,010 | $490 |
| Culpeper, VA | $224,800 | $765 | $550 | $1,060 | $510 |
| Short Pump, VA | $397,800 | $845 | $610 | $1,210 | $600 |
| Hanover County, VA | $267,600 | $927 | $670 | $1,290 | $620 |
| Laurel, VA | $173,400 | $684 | $460 | $970 | $510 |