Gavop tells you how to get the best homeowners insurance in Spotsylvania County, 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 |
|---|---|---|---|
| 1 Bedroom | $68,000 | $60,000 | $50,000-$75,000 |
| 2 Bedroom | $179,500 | $150,000 | $150,000-$175,000 |
| 3 Bedroom | $256,500 | $230,000 | $250,000-$300,000 |
| 4 Bedroom | $355,000 | $290,000 | $250,000-$300,000 |
| 5 Bedroom | $192,000 | $160,000 | $175,000-$200,000 |
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$129 | $795 |
| Superior Protection Discount | -$83 | $841 |
| Fire & Security Discount | -$74 | $851 |
| Hail Resistant Roof Discount | -$18 | $906 |
| Newly Constructed Home Discount | -$250 | $675 |
| 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 |
| Spotsylvania County | $2,000 | $913 | $2,913 | $664 | $2,664 | $250 |
| Spotsylvania County, VA | $1,500 | $913 | $2,413 | $664 | $2,164 | $250 |
| West Fairfax, VA | $700 | $954 | $1,654 | $694 | $1,394 | $261 |
| Hanover, VA | $400 | $1,040 | $1,440 | $756 | $1,156 | $284 |
| Colonial Beach, VA | $2,000 | $923 | $2,923 | $671 | $2,671 | $252 |
| Mechanicsville, VA | $500 | $873 | $1,373 | $634 | $1,134 | $238 |
| Twin Lakes, VA | $1,500 | $855 | $2,355 | $621 | $2,121 | $234 |
| Acquinton, VA | $300 | $726 | $1,026 | $528 | $828 | $198 |
| Newington Forest, VA | $1,000 | $947 | $1,947 | $688 | $1,688 | $259 |
| King William County, VA | $300 | $722 | $1,022 | $525 | $825 | $197 |
| University of Virginia, VA | $2,500 | $855 | $3,355 | $621 | $3,121 | $234 |
| Home Insurance Company Spotsylvania County, VA | Homeowners Insurance Agency Spotsylvania County, VA | Address | Popularity Score | Distance from Spotsylvania County (miles) |
|---|---|---|---|---|
| Travelers | Southside Insurance | 1244 Sycamore Sq Ste 201, Midlothian, VA, 23113 | 46.7 | |
| State Farm | Paul Martin | 368 Browns Hill Ct, Midlothian, VA, 23114-9511 | 47.0 | |
| Allstate | Wendy Carter | 3440 Lauderdale Dr, Richmond, VA, 23233 | 37.2 | |
| Erie | G L Herndon Insurance Agency | 12022 Old Salem Church Rd , Fredericksburg, VA, 22407 | 9.9 | |
| Allstate | Tribble Insurance Agency | 10120 W Broad St Ste H, Glen Allen, VA, 23060 | 37.3 | |
| State Farm | Cliff Galyen | 4534 Plank Rd Ste A, Fredericksbrg, VA, 22407-0136 | 9.8 | |
| Nationwide | Hedrick Insurance & Financial | 310 Turner Rd Ste A, Richmond, VA, 23225 | 47.8 | |
| State Farm | Vicki Thomas | 11019 Leavells Rd, Fredericksbrg, VA, 22407-5013 | 8.3 | |
| Erie | Colson & Dickie Insurance Services | 11535 Nuckols Road Suite C, Glen Allen, VA, 23059 | 34.2 | |
| Travelers | James River Insurance Agency Inc | 104 Walton Park Lane, Midlothian, VA, 23114 | 47.0 |
| Place | Typical Home Value | Typical Home Insurance Costs | 25th Percentile | 75th Percentile | Potential Savings & Difference between 25th & 75th Percentile |
|---|---|---|---|---|---|
| Virginia | $255,800 | $952 | $660 | $1,340 | $680 |
| Spotsylvania County, VA | $265,600 | $924 | $620 | $1,300 | $680 |
| Spotsylvania County, VA | $265,600 | $924 | $670 | $1,280 | $610 |
| West Fairfax, VA | $268,100 | $966 | $690 | $1,320 | $630 |
| Hanover, VA | $335,900 | $1,053 | $720 | $1,450 | $730 |
| Colonial Beach, VA | $241,500 | $934 | $660 | $1,320 | $660 |
| Mechanicsville, VA | $231,400 | $883 | $600 | $1,250 | $650 |
| Twin Lakes, VA | $197,300 | $865 | $600 | $1,240 | $640 |
| Acquinton, VA | $202,500 | $735 | $510 | $1,040 | $530 |
| Newington Forest, VA | $441,700 | $958 | $680 | $1,320 | $640 |
| King William County, VA | $199,700 | $731 | $500 | $1,050 | $550 |
| University of Virginia, VA | $320,800 | $865 | $630 | $1,230 | $600 |