Gavop's guide to buying homeowners insurance in Ware, 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 | $73,000 | $60,000 | $50,000-$75,000 |
| 2 Bedroom | $218,500 | $200,000 | $250,000-$300,000 |
| 3 Bedroom | $314,500 | $270,000 | $300,000-$350,000 |
| 4 Bedroom | $241,500 | $220,000 | $200,000-$250,000 |
| 5 Bedroom | $619,500 | $570,000 | $700,000-$800,000 |
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$111 | $630 |
| Superior Protection Discount | -$67 | $674 |
| Fire & Security Discount | -$81 | $659 |
| Hail Resistant Roof Discount | -$15 | $726 |
| Newly Constructed Home Discount | -$207 | $533 |
| 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 |
| Gloucester County | $1,000 | $863 | $1,863 | $627 | $1,627 | $236 |
| Ware, VA | $700 | $732 | $1,432 | $532 | $1,232 | $200 |
| Petsworth, VA | $400 | $739 | $1,139 | $537 | $937 | $202 |
| Gwynn, VA | $2,000 | $915 | $2,915 | $665 | $2,665 | $250 |
| Saluda, VA | $500 | $923 | $1,423 | $671 | $1,171 | $252 |
| Jamaica, VA | $700 | $872 | $1,572 | $634 | $1,334 | $238 |
| Bacons Castle, VA | $100 | $760 | $860 | $552 | $652 | $208 |
| Nassawadox, VA | $2,000 | $625 | $2,625 | $454 | $2,454 | $171 |
| King William, VA | $200 | $859 | $1,059 | $624 | $824 | $235 |
| Waverly, VA | $1,500 | $667 | $2,167 | $485 | $1,985 | $182 |
| Prince George, VA | $300 | $822 | $1,122 | $597 | $897 | $225 |
| Fort Lee, VA | $2,500 | $896 | $3,396 | $651 | $3,151 | $245 |
| Home Insurance Company Ware, VA | Homeowners Insurance Agency Ware, VA | Address | Popularity Score | Distance from Ware (miles) |
|---|---|---|---|---|
| Nationwide | J D Auvil Inc | 15064 Carrollton Blvd Ste N, Carrollton, VA, 23314-3579 | 33.8 | |
| Travelers | Floyd Mays Insurance Agency Inc | 5400 Whiteside Rd, Sandston, VA, 23150 | 45.5 | |
| Allstate | Mason Pasquin Agency | 110 Bacon Ave, Williamsburg, VA, 23185 | 16.7 | |
| Farmers | John Hendrix | 7336 Main St, Gloucester, VA, 23061 | 3.2 | |
| Liberty Mutual Independent | Lindberg & Associates Insurance Llc | 233 Wythe Creek Rd Ste 202, Poquoson, VA, 23662 | 22.1 | |
| State Farm | Scott Miller | 13193 Warwick Blvd Ste 102, Newport News, VA, 23602-8320 | 21.6 | |
| Farmers | Mitchell Hill | 2140 William Styron Sq S, Newport News, VA, 23606 | 23.4 | |
| Nationwide | Mayo Insurance Agency Inc | 1917 Laskin Road Ste 101, Virginia Beach, VA, 23454-4283 | 46.4 | |
| Farmers | Krystal Jones-Dent | 5900 E Virginia Beach Blvd Ste 204, Norfolk, VA, 23502 | 41.8 | |
| Farmers | Adam Fleischman | 1117 Eden Way N, Chesapeake, VA, 23320 | 46.6 |
| Place | Typical Home Value | Typical Home Insurance Costs | 25th Percentile | 75th Percentile | Potential Savings & Difference between 25th & 75th Percentile |
|---|---|---|---|---|---|
| Virginia | $255,800 | $952 | $680 | $1,360 | $680 |
| Gloucester County, VA | $224,100 | $874 | $630 | $1,250 | $620 |
| Ware, VA | $206,800 | $741 | $530 | $1,030 | $500 |
| Petsworth, VA | $212,000 | $748 | $540 | $1,040 | $500 |
| Gwynn, VA | $235,400 | $926 | $660 | $1,320 | $660 |
| Saluda, VA | $241,400 | $934 | $680 | $1,320 | $640 |
| Jamaica, VA | $206,900 | $883 | $600 | $1,210 | $610 |
| Bacons Castle, VA | $156,600 | $769 | $560 | $1,100 | $540 |
| Nassawadox, VA | $117,700 | $633 | $440 | $900 | $460 |
| King William, VA | $199,200 | $869 | $580 | $1,200 | $620 |
| Waverly, VA | $128,200 | $675 | $460 | $960 | $500 |
| Prince George, VA | $181,300 | $832 | $570 | $1,170 | $600 |
| Fort Lee, VA | $221,900 | $907 | $620 | $1,280 | $660 |