Gavop's guide to buying homeowners insurance in Smyth County, 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.
| Bedrooms | Average Home Value | Estimated Replacement Value | Recommended Home Insurance Coverage |
|---|---|---|---|
| 1 Bedroom | $37,000 | $30,000 | $25,000-$50,000 |
| 2 Bedroom | $71,500 | $60,000 | $50,000-$75,000 |
| 3 Bedroom | $125,000 | $120,000 | $100,000-$125,000 |
| 4 Bedroom | $173,000 | $160,000 | $125,000-$150,000 |
| 5 Bedroom | $225,500 | $180,000 | $200,000-$250,000 |
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$144 | $883 |
| Superior Protection Discount | -$92 | $935 |
| Fire & Security Discount | -$103 | $924 |
| Hail Resistant Roof Discount | -$31 | $996 |
| Newly Constructed Home Discount | -$216 | $811 |
| 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 |
| Smyth County | $2,500 | $1,015 | $3,515 | $737 | $3,237 | $277 |
| Smyth County, VA | $2,500 | $1,015 | $3,515 | $737 | $3,237 | $277 |
| Abingdon, VA | $500 | $645 | $1,145 | $469 | $969 | $176 |
| Ashe County, NC | $2,500 | $707 | $3,207 | $514 | $3,014 | $193 |
| Berwind, WV | $200 | $430 | $630 | $312 | $512 | $117 |
| Welch, WV | $500 | $499 | $999 | $363 | $863 | $136 |
| Boone, NC | $100 | $861 | $961 | $626 | $726 | $235 |
| Laurel Creek, NC | $1,000 | $1,054 | $2,054 | $766 | $1,766 | $288 |
| Iaeger, WV | $100 | $420 | $520 | $305 | $405 | $115 |
| Millers Creek, NC | $700 | $672 | $1,372 | $488 | $1,188 | $184 |
| Home Insurance Company Smyth County, VA | Homeowners Insurance Agency Smyth County, VA | Address | Popularity Score | Distance from Smyth County (miles) |
|---|---|---|---|---|
| State Farm | Dlana Bodmer | 742 E Main St, Lebanon, VA, 24266 | 29.5 | |
| Travelers | Safenet Insurance Services Inc | 652 N Main St, Marion, VA, 24354 | 1.6 | |
| Allstate | Kim Stanley | 451 Gate City Hwy, Bristol, VA, 24201 | 41.1 | |
| Travelers | Waller Insurance | 4813 Cougar Trail Rd, Dublin, VA, 24084 | 48.9 | |
| Allstate | Steven Dimit | 534 N Main St, Marion, VA, 24354 | 1.5 | |
| Travelers | Jackson Insurance Agency | 208 N Main Street, Hillsville, VA, 24343 | 44.9 | |
| State Farm | Jack King | 8846 S Scenic Hwy, Bland, VA, 24315-5272 | 29.4 | |
| State Farm | Dan Surface | 1239 N Main St, Marion, VA, 24354-4311 | 2.3 | |
| Erie | Chilhowie Insurance Agency Inc. | 316 Main Street, Chilhowie, VA, 24319 | 8.6 | |
| State Farm | Cliff Burnette | 164 Highway 107, Chilhowie, VA, 24319 | 8.5 |
| Place | Typical Home Value | Typical Home Insurance Costs | 25th Percentile | 75th Percentile | Potential Savings & Difference between 25th & 75th Percentile |
|---|---|---|---|---|---|
| Virginia | $255,800 | $952 | $690 | $1,300 | $610 |
| Smyth County, VA | $89,600 | $1,027 | $700 | $1,450 | $750 |
| Smyth County, VA | $89,600 | $1,027 | $730 | $1,420 | $690 |
| Abingdon, VA | $159,200 | $653 | $480 | $920 | $440 |
| Ashe County, NC | $150,300 | $716 | $480 | $1,020 | $540 |
| Berwind, WV | $39,600 | $435 | $310 | $620 | $310 |
| Welch, WV | $54,500 | $505 | $340 | $700 | $360 |
| Boone, NC | $268,200 | $872 | $580 | $1,240 | $660 |
| Laurel Creek, NC | $212,900 | $1,067 | $740 | $1,520 | $780 |
| Iaeger, WV | $37,600 | $425 | $290 | $590 | $300 |
| Millers Creek, NC | $111,100 | $680 | $500 | $960 | $460 |