Gavop's guide to buying homeowners insurance in Cold Harbor, 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.
| Cold Harbor, VA - Neighbourhoods, Census Blocks & Streets | 3 Bedroom | 4 Bedroom | ||||
|---|---|---|---|---|---|---|
| Average Home Value | Estimated Replacement Value | Recommended Home Insurance Coverage | Average Home Value | Estimated Replacement Value | Recommended Home Insurance Coverage | |
| Snaffle Ln, Buffridge Dr, State Rte 1570, Piping Tree Ferry Rd, Powhite Farm Dr, State Rte 1138, Ettington Ln, Doolittle Dr, Little Sorrel Dr, Harbor Hill Dr | $148,500 | $130,000 | $150,000-$175,000 | $147,000 | $120,000 | $150,000-$175,000 |
| Wilt Ln, Hanna Dr, State Rte 1560, Christian Field Dr, State Rte 1682, Cornfield Ct, Hakala Dr, Matroka Rd, Westwood Hill Rd, McClellan Rd | $158,500 | $130,000 | $175,000-$200,000 | $320,500 | $280,000 | $350,000-$400,000 |
| State Rte 1151, State Rte 635, Draperfield Rd, Mary Ann Ln, Green Retirement Ln, State Rte 1293, State Rte 1452, Melecole Dr, Taunrae Ct, State Rte 1510 | $321,500 | $270,000 | $300,000-$350,000 | $459,500 | $420,000 | $350,000-$400,000 |
| State Rte 1454, Ingleside Farm Ln, Compass Point Ln, Hidden Lake Cir, Oak Hill Camp Rd, State Rte 1180, Sunmark Dr, State Rte 1590, Hunterbrook Dr, State Rte 718 | $274,500 | $230,000 | $250,000-$300,000 | $370,000 | $330,000 | $350,000-$400,000 |
| Kenmore Dr, State Rte 630, Wood Valley Rd, New Hunter Rd, Mandeville Trl, Matadequin Ln, Sunnyhill Dr, Aquarius Ct, Wahoo Ct, Sunnyside Dr | $330,000 | $270,000 | $250,000-$300,000 | $447,000 | $360,000 | $400,000-$500,000 |
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$151 | $646 |
| Superior Protection Discount | -$72 | $725 |
| Fire & Security Discount | -$64 | $733 |
| Hail Resistant Roof Discount | -$16 | $781 |
| Newly Constructed Home Discount | -$159 | $638 |
| 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 |
| Hanover County | $1,000 | $916 | $1,916 | $666 | $1,666 | $250 |
| Cold Harbor, VA | $1,500 | $788 | $2,288 | $572 | $2,072 | $215 |
| Chamberlayne, VA | $500 | $739 | $1,239 | $537 | $1,037 | $202 |
| New Kent County, VA | $1,500 | $791 | $2,291 | $575 | $2,075 | $216 |
| Innsbrook, VA | $300 | $866 | $1,166 | $629 | $929 | $237 |
| Dale, VA | $2,000 | $701 | $2,701 | $510 | $2,510 | $192 |
| Prince George, VA | $500 | $822 | $1,322 | $597 | $1,097 | $225 |
| Prince George County, VA | $1,000 | $854 | $1,854 | $621 | $1,621 | $233 |
| Tappahannock, VA | $200 | $862 | $1,062 | $626 | $826 | $235 |
| Petsworth, VA | $1,000 | $739 | $1,739 | $537 | $1,537 | $202 |
| Surry County, VA | $500 | $674 | $1,174 | $490 | $990 | $184 |
| Pine Top, VA | $700 | $967 | $1,667 | $703 | $1,403 | $264 |
| Home Insurance Company Cold Harbor, VA | Homeowners Insurance Agency Cold Harbor, VA | Address | Popularity Score | Distance from Cold Harbor (miles) |
|---|---|---|---|---|
| Erie | Sandston Insurance Agency Inc. | 51 W Williamsburg Road, Sandston, VA, 23150 | 6.6 | |
| Allstate | Andras Bullock | 309 E Williamsburg Rd, Sandston, VA, 23150 | 6.5 | |
| Allstate | Tribble Insurance Agency Inc. | 10366 Leadbetter Rd, Ashland, VA, 23005 | 12.6 | |
| Travelers | Floyd Mays Insurance Agency Inc | 5400 Whiteside Rd, Sandston, VA, 23150 | 6.4 | |
| Travelers | Action Insurance Agency Inc | 3759 George Washington Mem Hwy, Hayes, VA, 23072 | 44.8 | |
| State Farm | Becky Ringley | 2700 Pocahontas Trl, Quinton, VA, 23141-1391 | 7.4 | |
| Allstate | Wendy Carter | 9102 Rutland Greens Way Ste E, Mechanicsville, VA, 23116 | 9.6 | |
| Travelers | Winters Oliver Insurance Agency, Inc. | 8022 Mechanicsville Pike, Mechanicsville, VA, 23111 | 7.2 | |
| Allstate | Christopher Burke | 15423 Warwick Blvd Ste A, Newport News, VA, 23608 | 48.9 | |
| State Farm | Eric Bannon | 6372 Mechanicsville Turnpike, Mechanicsville, VA, 23111 | 4.6 |
| Place | Typical Home Value | Typical Home Insurance Costs | 25th Percentile | 75th Percentile | Potential Savings & Difference between 25th & 75th Percentile |
|---|---|---|---|---|---|
| Virginia | $255,800 | $952 | $690 | $1,310 | $620 |
| Hanover County, VA | $267,600 | $927 | $680 | $1,310 | $630 |
| Cold Harbor, VA | $253,500 | $797 | $570 | $1,120 | $550 |
| Chamberlayne, VA | $211,800 | $748 | $500 | $1,040 | $540 |
| New Kent County, VA | $256,600 | $801 | $580 | $1,140 | $560 |
| Innsbrook, VA | $329,600 | $876 | $640 | $1,200 | $560 |
| Dale, VA | $187,000 | $710 | $490 | $1,000 | $510 |
| Prince George, VA | $181,300 | $832 | $560 | $1,140 | $580 |
| Prince George County, VA | $212,100 | $864 | $610 | $1,190 | $580 |
| Tappahannock, VA | $201,100 | $872 | $580 | $1,200 | $620 |
| Petsworth, VA | $212,000 | $748 | $520 | $1,040 | $520 |
| Surry County, VA | $172,700 | $682 | $480 | $940 | $460 |
| Pine Top, VA | $278,800 | $979 | $670 | $1,340 | $670 |