Gavop tells you how to get the best homeowners insurance in Essex County, VA by getting the correct coverage, picking the right deductible, showing the best agents, comparing the cheapest rates, showing real customer reviews, etc.
| Bedrooms | Average Home Value | Estimated Replacement Value | Recommended Home Insurance Coverage |
|---|---|---|---|
| 1 Bedroom | $59,500 | $50,000 | $50,000-$75,000 |
| 2 Bedroom | $111,500 | $100,000 | $100,000-$125,000 |
| 3 Bedroom | $220,000 | $190,000 | $200,000-$250,000 |
| 4 Bedroom | $194,000 | $170,000 | $175,000-$200,000 |
| 5 Bedroom | $387,500 | $330,000 | $400,000-$500,000 |
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$124 | $567 |
| Superior Protection Discount | -$62 | $629 |
| Fire & Security Discount | -$69 | $622 |
| Hail Resistant Roof Discount | -$14 | $677 |
| Newly Constructed Home Discount | -$166 | $525 |
| 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 |
| Essex County | $2,000 | $683 | $2,683 | $496 | $2,496 | $187 |
| Essex County, VA | $2,000 | $683 | $2,683 | $496 | $2,496 | $187 |
| West Point, VA | $500 | $716 | $1,216 | $520 | $1,020 | $196 |
| Colonial Beach, VA | $1,000 | $923 | $1,923 | $671 | $1,671 | $252 |
| Mechanicsville, VA | $200 | $873 | $1,073 | $634 | $834 | $238 |
| Hanover County, VA | $700 | $916 | $1,616 | $666 | $1,366 | $250 |
| Lexington Park, MD | $100 | $666 | $766 | $484 | $584 | $182 |
| Falmouth, VA | $700 | $821 | $1,521 | $596 | $1,296 | $224 |
| Manchester, VA | $400 | $665 | $1,065 | $483 | $883 | $182 |
| Prince Frederick, MD | $2,500 | $997 | $3,497 | $724 | $3,224 | $272 |
| Potomac Heights, MD | $300 | $606 | $906 | $440 | $740 | $166 |
| Home Insurance Company Essex County, VA | Homeowners Insurance Agency Essex County, VA | Address | Popularity Score | Distance from Essex County (miles) |
|---|---|---|---|---|
| Travelers | B H Baird Insurance Agency | 5682 Richmond Rd, Warsaw, VA, 22572 | 10.0 | |
| Allstate | Mason Pasquin Agency | 110 Bacon Ave, Williamsburg, VA, 23185 | 47.0 | |
| State Farm | Prem Das | 14111 Midlothian Tpke, Midlothian, VA, 23113-6523 | 49.6 | |
| State Farm | Bill Ward | 1003 Richmond Rd, Williamsburg, VA, 23185-2823 | 47.1 | |
| Travelers | All American Insurers | 10175 Hull Street Rd , Midlothian, VA, 23112 | 49.1 | |
| State Farm | Paul Martin | 368 Browns Hill Ct, Midlothian, VA, 23114-9511 | 48.7 | |
| Travelers | Boyette Insurance Agency Inc | 7615 Staples Mill Road, Henrico, VA, 23228 | 37.7 | |
| Allstate | Ryan Hickey | 3411 Cox Rd, Henrico, VA, 23233 | 40.9 | |
| Travelers | A C & S Financial Services Inc | 7615 Staples Mill Rd Richmond, Henrico, VA, 23228 | 37.7 | |
| State Farm | Rodney Bowen | 9216 Quioccasin Rd, Richmond, VA, 23229-5426 | 41.7 |
| Place | Typical Home Value | Typical Home Insurance Costs | 25th Percentile | 75th Percentile | Potential Savings & Difference between 25th & 75th Percentile |
|---|---|---|---|---|---|
| Virginia | $255,800 | $952 | $680 | $1,320 | $640 |
| Essex County, VA | $177,200 | $691 | $460 | $990 | $530 |
| Essex County, VA | $177,200 | $691 | $500 | $950 | $450 |
| West Point, VA | $195,900 | $725 | $530 | $1,010 | $480 |
| Colonial Beach, VA | $241,500 | $934 | $640 | $1,320 | $680 |
| Mechanicsville, VA | $231,400 | $883 | $590 | $1,250 | $660 |
| Hanover County, VA | $267,600 | $927 | $680 | $1,270 | $590 |
| Lexington Park, MD | $195,200 | $674 | $530 | $850 | $320 |
| Falmouth, VA | $288,000 | $831 | $560 | $1,190 | $630 |
| Manchester, VA | $168,100 | $673 | $460 | $920 | $460 |
| Prince Frederick, MD | $296,600 | $1,009 | $800 | $1,270 | $470 |
| Potomac Heights, MD | $89,300 | $613 | $480 | $770 | $290 |