Gavop's guide to buying homeowners insurance in Brunswick 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 | $43,500 | $40,000 | $25,000-$50,000 |
| 2 Bedroom | $88,000 | $80,000 | $75,000-$100,000 |
| 3 Bedroom | $117,000 | $110,000 | $100,000-$125,000 |
| 4 Bedroom | $226,500 | $210,000 | $250,000-$300,000 |
| 5 Bedroom | $326,500 | $290,000 | $300,000-$350,000 |
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$129 | $791 |
| Superior Protection Discount | -$83 | $837 |
| Fire & Security Discount | -$101 | $818 |
| Hail Resistant Roof Discount | -$28 | $892 |
| Newly Constructed Home Discount | -$257 | $662 |
| 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 |
| Brunswick County | $2,000 | $909 | $2,909 | $660 | $2,660 | $248 |
| Brunswick County, VA | $1,500 | $909 | $2,409 | $660 | $2,160 | $248 |
| Bracey, VA | $400 | $898 | $1,298 | $653 | $1,053 | $245 |
| Littleton, NC | $2,000 | $633 | $2,633 | $460 | $2,460 | $173 |
| Lunenburg County, VA | $1,000 | $901 | $1,901 | $655 | $1,655 | $246 |
| Boykins and Branchville, VA | $500 | $657 | $1,157 | $477 | $977 | $180 |
| Middleburg, NC | $100 | $785 | $885 | $571 | $671 | $215 |
| Hollister, NC | $1,000 | $518 | $1,518 | $376 | $1,376 | $141 |
| Clarksville, VA | $400 | $780 | $1,180 | $567 | $967 | $213 |
| Jerusalem, VA | $2,000 | $847 | $2,847 | $615 | $2,615 | $231 |
| Home Insurance Company Brunswick County, VA | Homeowners Insurance Agency Brunswick County, VA | Address | Popularity Score | Distance from Brunswick County (miles) |
|---|---|---|---|---|
| State Farm | Charles Wright | 112 S Mecklenburg Ave, South Hill, VA, 23970-2618 | 15.1 | |
| Travelers | William H Talley & Son Inc | 146 N Sycamore St, Petersburg, VA, 23803 | 40.8 | |
| Allstate | Gary Robert Lunsford | 10400 Chester Rd Ste 201b, Chester, VA, 23831 | 48.0 | |
| Erie | Pearce & Company Insurance Services Inc. | 110 Norfolk Avenue Suite A, Colonial Heights, VA, 23834 | 41.7 | |
| Allstate | Harrison-Coons Agency | 11108 Hull Street Rd, Midlothian, VA, 23112 | 48.6 | |
| Nationwide | Henn Agency Inc The | 3022 S Crater Rd Ste B, Petersburg, VA, 23805-9223 | 39.9 | |
| Allstate | David Guthrie | 9510 Iron Bridge Rd Ste 150, Chesterfield, VA, 23832 | 46.7 | |
| State Farm | Lucas Mccall Casl, Chfc, Clu | 4112 Commerce Road Ste C, Prince George, VA, 23875-1515 | 46.6 | |
| Nationwide | Robert L Davis | 10132 Hull Street Rd Ste A, Midlothian, VA, 23112-3357 | 49.3 | |
| Travelers | Hales Insurance Agcy Inc | 664 Boulevard, Colonial Heights, VA, 23834 | 41.6 |
| Place | Typical Home Value | Typical Home Insurance Costs | 25th Percentile | 75th Percentile | Potential Savings & Difference between 25th & 75th Percentile |
|---|---|---|---|---|---|
| Virginia | $255,800 | $952 | $680 | $1,310 | $630 |
| Brunswick County, VA | $110,900 | $920 | $670 | $1,260 | $590 |
| Brunswick County, VA | $110,900 | $920 | $630 | $1,280 | $650 |
| Bracey, VA | $223,300 | $909 | $620 | $1,250 | $630 |
| Littleton, NC | $103,400 | $641 | $460 | $910 | $450 |
| Lunenburg County, VA | $108,400 | $912 | $610 | $1,250 | $640 |
| Boykins and Branchville, VA | $125,600 | $665 | $450 | $950 | $500 |
| Middleburg, NC | $136,300 | $795 | $540 | $1,110 | $570 |
| Hollister, NC | $82,000 | $524 | $370 | $750 | $380 |
| Clarksville, VA | $163,700 | $789 | $560 | $1,090 | $530 |
| Jerusalem, VA | $193,300 | $857 | $580 | $1,230 | $650 |