Gavop shows you how to buy homeowners insurance in Richmond County, 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 | $44,500 | $40,000 | $25,000-$50,000 |
| 2 Bedroom | $84,000 | $70,000 | $75,000-$100,000 |
| 3 Bedroom | $186,500 | $160,000 | $175,000-$200,000 |
| 4 Bedroom | $213,000 | $190,000 | $200,000-$250,000 |
| 5 Bedroom | $300,500 | $270,000 | $300,000-$350,000 |
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$99 | $563 |
| Superior Protection Discount | -$60 | $602 |
| Fire & Security Discount | -$53 | $609 |
| Hail Resistant Roof Discount | -$20 | $642 |
| Newly Constructed Home Discount | -$185 | $477 |
| 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 |
| Richmond County | $2,000 | $654 | $2,654 | $475 | $2,475 | $179 |
| Richmond County, VA | $2,500 | $654 | $3,154 | $475 | $2,975 | $179 |
| Cobb Island, MD | $200 | $1,009 | $1,209 | $733 | $933 | $276 |
| Shanghai, VA | $1,500 | $824 | $2,324 | $599 | $2,099 | $225 |
| Bowling Green, VA | $100 | $860 | $960 | $625 | $725 | $235 |
| Deltaville, VA | $2,000 | $947 | $2,947 | $689 | $2,689 | $259 |
| Prince Frederick, MD | $200 | $997 | $1,197 | $724 | $924 | $272 |
| Highland Springs, VA | $2,000 | $651 | $2,651 | $473 | $2,473 | $178 |
| Sandston, VA | $500 | $636 | $1,136 | $462 | $962 | $174 |
| Williamsburg, VA | $2,000 | $840 | $2,840 | $610 | $2,610 | $230 |
| Battlefield, VA | $300 | $814 | $1,114 | $592 | $892 | $222 |
| Stafford Courthouse, VA | $1,500 | $984 | $2,484 | $715 | $2,215 | $269 |
| Home Insurance Company Richmond County, VA | Homeowners Insurance Agency Richmond County, VA | Address | Popularity Score | Distance from Richmond County (miles) |
|---|---|---|---|---|
| Allstate | Marsha Weatherwax | 6941 Geo Wash Mem Hwy, Gloucester, VA, 23061 | 38.6 | |
| Travelers | B H Baird Insurance Agency | 5682 Richmond Rd, Warsaw, VA, 22572 | 2.0 | |
| State Farm | Myra Howard | 7202 Glen Forest Dr Ste 310, Richmond, VA, 23226-3770 | 49.5 | |
| Allstate | Mason Pasquin Agency | 110 Bacon Ave, Williamsburg, VA, 23185 | 45.6 | |
| State Farm | David Borland | 1490 Quarterpath Rd Ste 5d, Williamsburg, VA, 23185-6544 | 47.9 | |
| State Farm | Woody Woolwine Jr | 820 Merrimac Trl Ste B, Williamsburg, VA, 23185-5346 | 46.7 | |
| Allstate | Brenda Tribble | 5412 Glenside Dr Ste D, Richmond, VA, 23228 | 48.7 | |
| State Farm | Vicki Thomas | 11019 Leavells Rd, Fredericksbrg, VA, 22407-5013 | 49.3 | |
| Allstate | Robert Bradshaw | 10180 Lakeridge Pkwy Ste 101, Ashland, VA, 23005 | 43.6 | |
| State Farm | Dianne Engelhardt | 5050 Richmond Rd, Warsaw, VA, 22572-3133 | 2.5 |
| Place | Typical Home Value | Typical Home Insurance Costs | 25th Percentile | 75th Percentile | Potential Savings & Difference between 25th & 75th Percentile |
|---|---|---|---|---|---|
| Virginia | $255,800 | $952 | $690 | $1,340 | $650 |
| Richmond County, VA | $163,200 | $662 | $450 | $920 | $470 |
| Richmond County, VA | $163,200 | $662 | $460 | $910 | $450 |
| Cobb Island, MD | $301,500 | $1,021 | $810 | $1,290 | $480 |
| Shanghai, VA | $182,100 | $834 | $580 | $1,150 | $570 |
| Bowling Green, VA | $199,800 | $870 | $630 | $1,190 | $560 |
| Deltaville, VA | $262,000 | $959 | $650 | $1,330 | $680 |
| Prince Frederick, MD | $296,600 | $1,009 | $800 | $1,270 | $470 |
| Highland Springs, VA | $137,100 | $658 | $450 | $930 | $480 |
| Sandston, VA | $132,700 | $644 | $460 | $880 | $420 |
| Williamsburg, VA | $307,000 | $850 | $580 | $1,200 | $620 |
| Battlefield, VA | $280,900 | $824 | $560 | $1,140 | $580 |
| Stafford Courthouse, VA | $294,100 | $996 | $730 | $1,420 | $690 |