Gavop shows you how to buy homeowners insurance in Staunton, 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 | $63,500 | $50,000 | $50,000-$75,000 |
| 2 Bedroom | $169,000 | $140,000 | $175,000-$200,000 |
| 3 Bedroom | $150,500 | $140,000 | $150,000-$175,000 |
| 4 Bedroom | $322,000 | $270,000 | $350,000-$400,000 |
| 5 Bedroom | $180,500 | $150,000 | $200,000-$250,000 |
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$112 | $548 |
| Superior Protection Discount | -$59 | $601 |
| Fire & Security Discount | -$73 | $588 |
| Hail Resistant Roof Discount | -$20 | $640 |
| Newly Constructed Home Discount | -$172 | $489 |
| 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 |
| Beverley Manor | $1,000 | $671 | $1,671 | $488 | $1,488 | $183 |
| Staunton, VA | $2,000 | $652 | $2,652 | $474 | $2,474 | $178 |
| New Hope, VA | $200 | $882 | $1,082 | $641 | $841 | $241 |
| Greenville, VA | $2,000 | $791 | $2,791 | $575 | $2,575 | $216 |
| Bridgewater, VA | $300 | $750 | $1,050 | $545 | $845 | $205 |
| Elkton, VA | $1,000 | $821 | $1,821 | $597 | $1,597 | $224 |
| Stanardsville, VA | $200 | $731 | $931 | $531 | $731 | $200 |
| Stanley, VA | $1,500 | $758 | $2,258 | $551 | $2,051 | $207 |
| Green Bank, WV | $100 | $839 | $939 | $610 | $710 | $229 |
| Fluvanna County, VA | $1,500 | $760 | $2,260 | $552 | $2,052 | $208 |
| Home Insurance Company Staunton, VA | Homeowners Insurance Agency Staunton, VA | Address | Popularity Score | Distance from Staunton (miles) |
|---|---|---|---|---|
| Allstate | Steve Harper | 3042 Berkmar Dr Ste C, Charlottesville, VA, 22901 | 32.7 | |
| State Farm | Cynthia Shifflett | 8767 Seminole Trl Ste 104, Ruckersville, VA, 22968-3493 | 38.6 | |
| Erie | Staley Insurance Agency Inc. | 1105 Greenville Avenue, Staunton, VA, 24401 | 1.3 | |
| Travelers | Short Insurance Associates | 900 Gardens Blvd Ste 100, Charlottesville, VA, 22901 | 33.1 | |
| State Farm | Lauren Morris | 1207b Crozet Ave, Crozet, VA, 22932-3132 | 21.0 | |
| Allstate | George Jaffe | 617 W Main St, Charlottesville, VA, 22903 | 32.8 | |
| Erie | Warner Insurance Agency Llc | 1110 Churchville Avenue, Staunton, VA, 24401 | 1.4 | |
| Liberty Mutual Independent | Insure All Llc | 714 E Main St, Stanley, VA, 22851 | 42.7 | |
| Allstate | Watson & Durrer Insurance | 8726 Seminole Trl Ste 3 Po Box 590, Ruckersville, VA, 22968 | 38.6 | |
| Travelers | Bankers Insurance Llc | 320 N Central Ave, Staunton, VA, 24401 | 0.4 |
| Place | Typical Home Value | Typical Home Insurance Costs | 25th Percentile | 75th Percentile | Potential Savings & Difference between 25th & 75th Percentile |
|---|---|---|---|---|---|
| Virginia | $255,800 | $952 | $640 | $1,310 | $670 |
| Beverley Manor, VA | $171,500 | $680 | $490 | $960 | $470 |
| Staunton, VA | $162,500 | $660 | $450 | $930 | $480 |
| New Hope, VA | $213,000 | $893 | $610 | $1,230 | $620 |
| Greenville, VA | $168,200 | $801 | $580 | $1,110 | $530 |
| Bridgewater, VA | $220,000 | $759 | $540 | $1,090 | $550 |
| Elkton, VA | $180,600 | $831 | $560 | $1,190 | $630 |
| Stanardsville, VA | $206,100 | $740 | $540 | $1,020 | $480 |
| Stanley, VA | $155,800 | $767 | $540 | $1,050 | $510 |
| Green Bank, WV | $157,900 | $849 | $620 | $1,160 | $540 |
| Fluvanna County, VA | $228,100 | $769 | $550 | $1,080 | $530 |