How Can I Make My Roanoke, VA Home Insurance Cheaper
Gavop tells you how to get the best homeowners insurance in Roanoke, VA by getting the correct coverage, picking the right deductible, showing the best agents, comparing the cheapest rates, showing real customer reviews, etc.
Compare Quotes from Top Providers and Save now!
Select the Suitable Coverage Value for your Roanoke, VA Home | Back to Top
| Bedrooms | Average Home Value | Estimated Replacement Value | Recommended Home Insurance Coverage |
|---|---|---|---|
| 1 Bedroom | $40,000 | $30,000 | $25,000-$50,000 |
| 2 Bedroom | $77,000 | $70,000 | $75,000-$100,000 |
| 3 Bedroom | $84,000 | $70,000 | $75,000-$100,000 |
| 4 Bedroom | $171,500 | $140,000 | $125,000-$150,000 |
| 5 Bedroom | $156,000 | $150,000 | $175,000-$200,000 |
Estimate your Savings with Home Insurance Discounts in Roanoke, VA | Back to Top
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$101 | $573 |
| Superior Protection Discount | -$61 | $613 |
| Fire & Security Discount | -$67 | $607 |
| Hail Resistant Roof Discount | -$20 | $654 |
| Newly Constructed Home Discount | -$135 | $539 |
Choose the Right Deductible for your Roanoke, VA Home | Back to Top
| 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 |
| Salem | $2,000 | $676 | $2,676 | $492 | $2,492 | $185 |
| Roanoke, VA | $700 | $666 | $1,366 | $484 | $1,184 | $182 |
| Westlake Corner, VA | $200 | $1,673 | $1,873 | $1,216 | $1,416 | $457 |
| Craig City, VA | $2,000 | $709 | $2,709 | $516 | $2,516 | $194 |
| Boiling Springs, VA | $100 | $679 | $779 | $493 | $593 | $185 |
| Fairlawn, VA | $700 | $782 | $1,482 | $569 | $1,269 | $214 |
| Bassett, VA | $200 | $481 | $681 | $350 | $550 | $131 |
| Stanleytown, VA | $1,000 | $594 | $1,594 | $432 | $1,432 | $162 |
| Belspring, VA | $400 | $674 | $1,074 | $490 | $890 | $184 |
| Big Island, VA | $1,500 | $499 | $1,999 | $363 | $1,863 | $136 |
| Monroe County, WV | $200 | $645 | $845 | $469 | $669 | $176 |
Identify Top Home Insurance Agents near Roanoke, VA | Back to Top
| Home Insurance Company Roanoke, VA | Homeowners Insurance Agency Roanoke, VA | Address | Popularity Score | Distance from Roanoke (miles) |
|---|---|---|---|---|
| State Farm | Jimmy Russell | 363 Franklin Street, Rocky Mount, VA, 24151-1600 | 19.7 | |
| Nationwide | Shelton Insurance And Financial Inc | 223 Central Ave Ste A, Christiansburg, VA, 24068 | 26.7 | |
| Travelers | Roanoke Insurance Agency | 2223 Crystal Spring Ave, Roanoke, VA, 24014 | 2.2 | |
| Erie | Bill Meador Insurance Agency | 2896 Northview Drive Sw, Roanoke, VA, 24015 | 2.8 | |
| Erie | Nelles Insurance Solutions Inc. | 2225 Lakeside Drive Suite C, Lynchburg, VA, 24501 | 42.1 | |
| Travelers | Fieldale Insurance Agency Inc | 51 Marshall Way, Fieldale, VA, 24089 | 39.9 | |
| Nationwide | Ryan Harris Insurance And Financial Services Inc | 603 Apperson Dr, Salem, VA, 24153-7022 | 4.9 | |
| Allstate | Stuart L. Thomas | 101 Cleveland Ave Ste 2, Martinsville, VA, 24112 | 41.1 | |
| Nationwide | Mitchell Agency Inc The | 4712 Brambleton Ave, Roanoke, VA, 24018-3403 | 5.3 | |
| Travelers | Capital Insurance & Bonding Services Co | 401 Campbell Ave Ste 303, Roanoke, VA, 24016 | 0.7 |
Compare Rates for Roanoke, VA Home Insurance Providers | Back to Top
| Place | Typical Home Value | Typical Home Insurance Costs | 25th Percentile | 75th Percentile | Potential Savings & Difference between 25th & 75th Percentile |
|---|---|---|---|---|---|
| Virginia | $255,800 | $952 | $640 | $1,350 | $710 |
| Salem, VA | $174,000 | $685 | $500 | $980 | $480 |
| Roanoke, VA | $133,700 | $674 | $480 | $930 | $450 |
| Westlake Corner, VA | $526,400 | $1,693 | $1,200 | $2,320 | $1,120 |
| Craig City, VA | $140,100 | $718 | $520 | $1,010 | $490 |
| Boiling Springs, VA | $131,500 | $687 | $470 | $970 | $500 |
| Fairlawn, VA | $164,900 | $792 | $540 | $1,120 | $580 |
| Bassett, VA | $87,200 | $487 | $330 | $690 | $360 |
| Stanleytown, VA | $110,300 | $601 | $430 | $840 | $410 |
| Belspring, VA | $130,000 | $682 | $490 | $940 | $450 |
| Big Island, VA | $90,600 | $505 | $340 | $700 | $360 |
| Monroe County, WV | $105,700 | $653 | $480 | $920 | $440 |
Research Home Insurance Companies Reviews in Roanoke, VA Before Buying | Back to Top
Share a review on your home insurance company
GEICO Home Insurance Reviews
Date: October 12, 2019 Age: 30 to 39 Gender: Male Marital Status: Married
Premium
In terms of deductible it’s kind of the same of others company, I found other to be more expensive having same deductible and coverage
Date: August 12, 2019 Age: 20 to 29 Gender: Female Marital Status: Unmarried
Customer Service
I have renter's insurance through Geico for over 2 years. Throughout this time, I've had no complaints. I like the option to pay either monthly or all at once.
Date: September 19, 2018 Age: 30 to 39 Gender: Male Marital Status: Unmarried
Customer Service
When I called to find out about increased coverage, the representative was friendly and polite. She knew exactly what we wanted, didn't make me hold forever, and found the information and got back to me. Then they didn't spam me for the next year to get me to buy more product.
Date: September 05, 2018 Age: 30 to 39 Gender: Male Marital Status: Married
Premium
Other companies wanted as much as 1200 for the same coverage. Some of them wanted much more documentation about the house, where Geico just had a standard set of questions to answer. I think they looked up property value, location, etc. themselves rather than make the customer document it.
Date: August 10, 2018 Age: 20 to 29 Gender: Male Marital Status: Married
Website/App
I really like that I can access the company from any computer and don't have to carry a card or a number with me. The most likely problem I would make a claim for is a fire, and I doubt I would run back into the house for my insurance information.
Date: March 25, 2018 Age: 30 to 39 Gender: Female Marital Status: Married
Communication
When the insurance is paid there's a confirmation of that, but it takes a few days to actually see the coverage on the website. I spend that few days wondering if this will be the time we have a fire (although we're the pretty low risk, three blocks from the fire station, the hydrant on the corner, smoke alarm and fire extinguisher). I don't like the potential for Mr. Murphy to strike while our coverage is being processed, though that's probably not a rational worry.
Date: November 28, 2017 Age: Above 60 Gender: Female Marital Status: Unmarried
Policy Offerings
It covers everything but loss due to war and natural disasters, and we chose not to get the earthquake insurance since it added so much to the premium and if the Cascadia fault or Rainier lets loose, the area won't be liveable to rebuild anyway.
State Farm Home Insurance Reviews
Date: December 30, 2019 Age: 50 to 59 Gender: Female Marital Status: Unmarried
Premium
This policy unfortunately has a $200 out of pocket deductble. I d rather choose progressive home 8nsurance anyday.
Date: July 29, 2019 Age: 40 to 49 Gender: Male Marital Status: Married
Customer Service
I was new to the area and needed to compare prices. I knew that it was a busy time of the year especially during the winter months which is key for insurance for where I live.
Date: April 03, 2019 Age: 30 to 39 Gender: Female Marital Status: Married
Customer Service
I have never had any customer service issues with my insurance company. They are always willing to help and contact me back if my insurance broker is not available.
Liberty Mutual Home Insurance Reviews
Date: July 05, 2019 Age: 30 to 39 Gender: Male Marital Status: Married
Premium
The premium and deductable are to my liking this is why I chose my insurance that I am currently using right now.
Date: June 12, 2019 Age: 30 to 39 Gender: Married Marital Status: Male
Customer Service
Liberty mutual has excellent selection in the terms of discounts, but still the customer service and claim handling procedures in this insurance company is bit pathetic.
Progressive Home Insurance Reviews
Date: January 14, 2019 Age: 20 to 29 Gender: Male Marital Status: Unmarried
Policy Offerings
I think I could have found one a little cheaper but this one had friendly people and covered all the things I felt needed to be covered.
Horace Mann Educators Corporation Home Insurance Reviews
Date: October 18, 2018 Age: Above 60 Gender: Male Marital Status: Unmarried
Communication
My agent is very personable and helpful. She is willing to do whatever is necessary to make sure her clients are satisfied.
American Strategic Insurance Home Insurance Reviews
Date: November 18, 2018 Age: 50 to 59 Gender: Male Marital Status: Married
Customer Service
My current home owners insurance is with ASI through a local agent. I've never filed a claim with them, but I've never had any problems. Very satisfied with them although I wish the premium was cheaper.
Farmer's Insurance Home Insurance Reviews
Date: June 04, 2019 Age: 50 to 59 Gender: Married Marital Status: Male
Premium
I rate the cost of the policy a 4. The upside is being able to combine auto and home for a better rate. The downside is how claims affect both tpyes of insurance.