Gavop shows you how to buy homeowners insurance in Chesterfield 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 | $89,000 | $80,000 | $50,000-$75,000 |
| 2 Bedroom | $235,500 | $210,000 | $200,000-$250,000 |
| 3 Bedroom | $301,500 | $260,000 | $350,000-$400,000 |
| 4 Bedroom | $448,000 | $370,000 | $400,000-$500,000 |
| 5 Bedroom | $538,500 | $450,000 | $400,000-$500,000 |
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$149 | $725 |
| Superior Protection Discount | -$87 | $786 |
| Fire & Security Discount | -$61 | $812 |
| Hail Resistant Roof Discount | -$17 | $856 |
| Newly Constructed Home Discount | -$218 | $655 |
| 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 |
| Chesterfield County | $2,000 | $863 | $2,863 | $627 | $2,627 | $236 |
| Chesterfield County, VA | $1,500 | $863 | $2,363 | $627 | $2,127 | $236 |
| Woodlake, VA | $100 | $798 | $898 | $580 | $680 | $218 |
| Bermuda, VA | $2,000 | $744 | $2,744 | $540 | $2,540 | $203 |
| Varina, VA | $500 | $656 | $1,156 | $477 | $977 | $179 |
| Wyndham, VA | $2,500 | $983 | $3,483 | $715 | $3,215 | $269 |
| Waverly, VA | $200 | $667 | $867 | $485 | $685 | $182 |
| Reedy Church, VA | $1,500 | $855 | $2,355 | $621 | $2,121 | $234 |
| Central Garage, VA | $100 | $877 | $977 | $638 | $738 | $240 |
| Stevensville, VA | $2,000 | $828 | $2,828 | $602 | $2,602 | $226 |
| Lunenburg, VA | $100 | $865 | $965 | $629 | $729 | $237 |
| Mineral, VA | $1,000 | $902 | $1,902 | $656 | $1,656 | $247 |
| Home Insurance Company Chesterfield County, VA | Homeowners Insurance Agency Chesterfield County, VA | Address | Popularity Score | Distance from Chesterfield County (miles) |
|---|---|---|---|---|
| State Farm | Wyndham Murray | 13872 Coalfld Cmns Pl Ste 103, Midlothian, VA, 23114-1217 | 8.7 | |
| State Farm | Noah Cunningham | 11800 Hull Street Rd Ste C, Midlothian, VA, 23112-2948 | 4.1 | |
| Travelers | Blankenship Insurance Services Llc | 13510 E. Boundary Road Suite 203, Midlothian, VA, 23112 | 5.8 | |
| State Farm | Paul Martin | 368 Browns Hill Ct, Midlothian, VA, 23114-9511 | 9.0 | |
| Allstate | Barry F. Melvin | 4316 Chester Village Ln, Chester, VA, 23831 | 7.7 | |
| Allstate | Gary Robert Lunsford | 10400 Chester Rd Ste 201b, Chester, VA, 23831 | 7.3 | |
| Allstate | Stephanie Hudnell | 2032 John Rolfe Pkwy, Richmond, VA, 23238 | 16.7 | |
| State Farm | Brooks Baltich | 8011 Buford Ct, Richmond, VA, 23235-5260 | 8.7 | |
| State Farm | Marty Ledbetter | 10134 Hull Street Rd Ste B, Midlothian, VA, 23112-3355 | 4.5 | |
| Allstate | Harrison-Coons Agency | 11108 Hull Street Rd, Midlothian, VA, 23112 | 4.2 |
| Place | Typical Home Value | Typical Home Insurance Costs | 25th Percentile | 75th Percentile | Potential Savings & Difference between 25th & 75th Percentile |
|---|---|---|---|---|---|
| Virginia | $255,800 | $952 | $690 | $1,300 | $610 |
| Chesterfield County, VA | $224,200 | $874 | $590 | $1,210 | $620 |
| Chesterfield County, VA | $224,200 | $874 | $630 | $1,240 | $610 |
| Woodlake, VA | $264,000 | $807 | $580 | $1,110 | $530 |
| Bermuda, VA | $215,200 | $753 | $550 | $1,050 | $500 |
| Varina, VA | $164,400 | $664 | $490 | $940 | $450 |
| Wyndham, VA | $486,200 | $995 | $690 | $1,400 | $710 |
| Waverly, VA | $128,200 | $675 | $490 | $940 | $450 |
| Reedy Church, VA | $197,000 | $865 | $620 | $1,200 | $580 |
| Central Garage, VA | $210,100 | $888 | $590 | $1,230 | $640 |
| Stevensville, VA | $184,000 | $838 | $560 | $1,160 | $600 |
| Lunenburg, VA | $203,400 | $876 | $630 | $1,240 | $610 |
| Mineral, VA | $226,400 | $913 | $650 | $1,270 | $620 |