Gavop's guide to buying homeowners insurance in Highland Springs, 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.
| Highland Springs, 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 | |
| Alamosa Dr, Graves Rd, Adamson St, S Ivy Ave, Polaria St, Carlstone Dr, Repp St, Camero Ct, Mullens Ln, Wynfield Ter | $220,000 | $190,000 | $175,000-$200,000 | $163,500 | $130,000 | $125,000-$150,000 |
| Fife Ct, N Holly Ave, Sumwalt Dr, Sir Thomas Pl, Bowitch Pl, S Grove Ave, N Cedar Ave, Roxanna Rd, York River Rd, Lowell St | $224,500 | $210,000 | $200,000-$250,000 | $179,000 | $170,000 | $175,000-$200,000 |
| Tiffanywood Ct, Fairbury Rd, Evanrude Pl, Tall Grass Ct, Repp Ct, N Fern Ave, Toccoa Ter, Chipper Ct, Sanderling Ave, Elsing Green Way | $219,000 | $190,000 | $250,000-$300,000 | $165,500 | $150,000 | $150,000-$175,000 |
| S Beech Ave, Dale Ave, Green Pasture Rd, E Beal St, S Oak Ave, Oakridge Ave, N Pine Ave, Woodcock Ct, Seven Bridges Way, N Oak Ave | $140,500 | $130,000 | $150,000-$175,000 | $118,500 | $100,000 | $125,000-$150,000 |
| Ayrcrest Dr, Buffalo Rd, N Ivy Ave, Orams Ln, Linstead Ave, N Beech Ave, S Elm Ave, Antioch Rd, Airycrest Dr, Springforest Dr | $132,000 | $120,000 | $100,000-$125,000 | $116,000 | $90,000 | $100,000-$125,000 |
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$119 | $540 |
| Superior Protection Discount | -$59 | $599 |
| Fire & Security Discount | -$46 | $612 |
| Hail Resistant Roof Discount | -$20 | $639 |
| Newly Constructed Home Discount | -$158 | $500 |
| Claim Type | Average Claim Cost |
|---|---|
| General Claims | |
| Water Damage | $5,794 |
| Physical Damage | $2,319 |
| Hail Damage | $4,948 |
| Wind Damage | $6,305 |
| Expensive Claims | |
| Fire | $43,782 |
| Smoke | $17,054 |
| Home Insurance Company Highland Springs, VA | Homeowners Insurance Agency Highland Springs, VA | Address | Popularity Score | Distance from Highland Springs (miles) |
|---|---|---|---|---|
| Erie | Sandston Insurance Agency Inc. | 51 W Williamsburg Road, Sandston, VA, 23150 | 2.1 | |
| Travelers | Floyd Mays Insurance Agency Inc | 5400 Whiteside Rd, Sandston, VA, 23150 | 3.2 | |
| Nationwide | James B Coleman Jr Insurance Agency Inc | 1420 Hull St. Ste B4, Richmond, VA, 23224-3964 | 6.9 | |
| State Farm | Prem Das | 14111 Midlothian Tpke, Midlothian, VA, 23113-6523 | 18.7 | |
| Liberty Mutual Independent | Robins Insurance Agency Inc | 2800 Parham Rd, Richmond, VA, 23255 | 8.0 | |
| Travelers | Winters Oliver Insurance Agency, Inc. | 8022 Mechanicsville Pike, Mechanicsville, VA, 23111 | 4.3 | |
| State Farm | Eric Bannon | 6372 Mechanicsville Turnpike, Mechanicsville, VA, 23111 | 4.4 | |
| State Farm | Steve Dowdy | 1011 E Main St Ste 75, Richmond, VA, 23219-3526 | 6.0 | |
| State Farm | Lin Lane | 1906 Boulevard, Colonial Heights, VA, 23834-0236 | 20.9 | |
| Erie | Colony Insurance Agency Llc | 291 Mclaws Circle Suite 2, Williamsburg, VA, 23185 | 42.3 |
| Place | Typical Home Value | Typical Home Insurance Costs | 25th Percentile | 75th Percentile | Potential Savings & Difference between 25th & 75th Percentile |
|---|---|---|---|---|---|
| Virginia | $255,800 | $952 | $650 | $1,300 | $650 |
| Henrico County, VA | $223,900 | $874 | $640 | $1,230 | $590 |
| Highland Springs, VA | $137,100 | $658 | $450 | $930 | $480 |
| Bellwood, VA | $136,500 | $656 | $450 | $920 | $470 |
| Bon Air, VA | $223,300 | $764 | $560 | $1,080 | $520 |
| Rockwood, VA | $199,800 | $731 | $520 | $1,030 | $510 |
| Dale, VA | $187,000 | $710 | $520 | $1,000 | $480 |
| New Kent, VA | $357,400 | $1,090 | $770 | $1,560 | $790 |
| Brandermill, VA | $236,400 | $779 | $520 | $1,070 | $550 |
| Waverly, VA | $128,200 | $675 | $470 | $930 | $460 |
| Williamsburg, VA | $307,000 | $850 | $620 | $1,180 | $560 |
| Surry, VA | $270,500 | $969 | $650 | $1,350 | $700 |
| Warsaw, VA | $203,500 | $877 | $610 | $1,200 | $590 |