Gavop shows you how to buy homeowners insurance in Washington, VA by estimating coverage, choosing the right deductible, contacting the best agents, understanding claim requirements, comparing cheap rates, using discount options and reading reviews.
| Bedrooms | Average Home Value | Estimated Replacement Value | Recommended Home Insurance Coverage |
|---|---|---|---|
| 1 Bedroom | $59,500 | $50,000 | $50,000-$75,000 |
| 2 Bedroom | $192,000 | $160,000 | $175,000-$200,000 |
| 3 Bedroom | $237,500 | $210,000 | $175,000-$200,000 |
| 4 Bedroom | $348,500 | $300,000 | $400,000-$500,000 |
| 5 Bedroom | $490,000 | $400,000 | $400,000-$500,000 |
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$106 | $650 |
| Superior Protection Discount | -$68 | $688 |
| Fire & Security Discount | -$68 | $688 |
| Hail Resistant Roof Discount | -$15 | $741 |
| Newly Constructed Home Discount | -$166 | $590 |
| Claim Type | Average Claim Cost |
|---|---|
| General Claims | |
| Water Damage | $5,914 |
| Physical Damage | $2,344 |
| Hail Damage | $4,571 |
| Wind Damage | $6,560 |
| Expensive Claims | |
| Fire | $44,229 |
| Smoke | $17,054 |
| Home Insurance Company Washington, VA | Homeowners Insurance Agency Washington, VA | Address | Popularity Score | Distance from Washington (miles) |
|---|---|---|---|---|
| Travelers | B H Baird Insurance Agency | 5682 Richmond Rd, Warsaw, VA, 22572 | 18.2 | |
| Allstate | John Wright | 9044 W Broad St, Richmond, VA, 23294 | 48.2 | |
| Farmers | Reina Melgar | 17471 Jeff Davis Hwy, Dumfries, VA, 22026 | 34.0 | |
| Travelers | Insurance & Investment Agents Of Va Llc | 5219 Hickory Park Dr Ste A, Glen Allen, VA, 23059 | 47.6 | |
| Allstate | Bill Wyant | 9919 Southpoint Pkwy, Fredericksburg, VA, 22407 | 29.5 | |
| Erie | Diversity Insurance Agency Llc | 6002 W Broad Street Suite 201, Richmond, VA, 23230 | 49.1 | |
| Liberty Mutual Independent | Gfh Insurance Agency Inc | 4825 Radford Rd Ste 101, Richmond, VA, 23230 | 49.4 | |
| State Farm | Dan Van Duong | 7001 Kilworth Ln Ste 200, Springfield, VA, 22151-4026 | 45.5 | |
| Travelers | State Of Art Insurance Agency | 7880 Backlick Rd Unit 5, Springfield, VA, 22150 | 41.8 | |
| State Farm | Dianne Engelhardt | 5050 Richmond Rd, Warsaw, VA, 22572-3133 | 17.7 |
| Place | Typical Home Value | Typical Home Insurance Costs | 25th Percentile | 75th Percentile | Potential Savings & Difference between 25th & 75th Percentile |
|---|---|---|---|---|---|
| Virginia | $255,800 | $952 | $680 | $1,300 | $620 |
| Westmoreland County, VA | $203,100 | $736 | $490 | $1,050 | $560 |
| Washington, VA | $217,200 | $756 | $510 | $1,070 | $560 |
| Bowling Green, VA | $199,800 | $870 | $620 | $1,230 | $610 |
| Courtland, VA | $247,100 | $790 | $550 | $1,130 | $580 |
| Lorton, VA | $406,000 | $862 | $600 | $1,220 | $620 |
| Urbanna, VA | $233,600 | $924 | $620 | $1,280 | $660 |
| Chamberlayne, VA | $211,800 | $748 | $500 | $1,060 | $560 |
| Forest Heights, MD | $200,500 | $812 | $640 | $1,020 | $380 |
| Hillcrest Heights, MD | $209,200 | $695 | $550 | $880 | $330 |
| Upper Marlboro, MD | $207,300 | $824 | $650 | $1,040 | $390 |
| Suitland, MD | $202,700 | $685 | $540 | $860 | $320 |
| White Stone, VA | $127,700 | $673 | $480 | $930 | $450 |