Gavop's guide to buying homeowners insurance in Rockingham County, 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 | $86,500 | $80,000 | $50,000-$75,000 |
| 2 Bedroom | $196,500 | $180,000 | $175,000-$200,000 |
| 3 Bedroom | $232,000 | $190,000 | $250,000-$300,000 |
| 4 Bedroom | $440,000 | $410,000 | $350,000-$400,000 |
| 5 Bedroom | $435,000 | $360,000 | $350,000-$400,000 |
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$137 | $719 |
| Superior Protection Discount | -$86 | $770 |
| Fire & Security Discount | -$68 | $787 |
| Hail Resistant Roof Discount | -$26 | $830 |
| Newly Constructed Home Discount | -$214 | $642 |
| 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 |
| Rockingham County | $1,000 | $845 | $1,845 | $614 | $1,614 | $231 |
| Rockingham County, VA | $700 | $845 | $1,545 | $614 | $1,314 | $231 |
| Harrisonburg, VA | $400 | $827 | $1,227 | $601 | $1,001 | $226 |
| Verona, VA | $2,000 | $771 | $2,771 | $560 | $2,560 | $211 |
| Milroy, WV | $100 | $699 | $799 | $508 | $608 | $191 |
| Robertson, VA | $1,500 | $793 | $2,293 | $577 | $2,077 | $217 |
| Ruckersville, VA | $200 | $803 | $1,003 | $584 | $784 | $220 |
| Charlottesville, VA | $2,000 | $927 | $2,927 | $673 | $2,673 | $253 |
| Capon, WV | $300 | $715 | $1,015 | $520 | $820 | $195 |
| Grant County, WV | $2,500 | $677 | $3,177 | $492 | $2,992 | $185 |
| Catalpa, VA | $500 | $738 | $1,238 | $536 | $1,036 | $202 |
| Walkers Creek, VA | $2,000 | $926 | $2,926 | $673 | $2,673 | $253 |
| Home Insurance Company Rockingham County, VA | Homeowners Insurance Agency Rockingham County, VA | Address | Popularity Score | Distance from Rockingham County (miles) |
|---|---|---|---|---|
| Travelers | Abc Insurance Llc | 215 N Royal Avenue, Front Royal, VA, 22630 | 46.5 | |
| State Farm | John Willett | 401 Madison Rd, Culpeper, VA, 22701-3319 | 47.4 | |
| Erie | Ld&B Insurance & Financial Service | 205 S Liberty Street Suite A, Harrisonburg, VA, 22801 | 4.4 | |
| State Farm | Brenda Parsons | 113 E King St, Strasburg, VA, 22657-2238 | 43.1 | |
| Liberty Mutual Independent | Virginia Insurance Partners | 516 1st St Ste B, Shenandoah, VA, 22849 | 13.8 | |
| State Farm | Robert Teague | 454 S Main St, Broadway, VA, 22815 | 7.6 | |
| Erie | Hammer Insurance Agency Inc. | 611 S 3rd Street, Shenandoah, VA, 22849 | 14.5 | |
| State Farm | Shannon Lokey | 9 Killdeer Ln, Dayton, VA, 22821-9745 | 8.0 | |
| Travelers | His Insurance & Service Inc | 789-A East Market St, Harrisonburg, VA, 22801 | 4.6 | |
| State Farm | Bill Powers | 135 N Royal Ave, Front Royal, VA, 22630-2663 | 46.5 |
| Place | Typical Home Value | Typical Home Insurance Costs | 25th Percentile | 75th Percentile | Potential Savings & Difference between 25th & 75th Percentile |
|---|---|---|---|---|---|
| Virginia | $255,800 | $952 | $660 | $1,300 | $640 |
| Rockingham County, VA | $206,700 | $856 | $620 | $1,210 | $590 |
| Rockingham County, VA | $206,700 | $856 | $620 | $1,220 | $600 |
| Harrisonburg, VA | $196,200 | $837 | $560 | $1,180 | $620 |
| Verona, VA | $160,400 | $780 | $570 | $1,110 | $540 |
| Milroy, WV | $107,100 | $707 | $500 | $1,000 | $500 |
| Robertson, VA | $259,500 | $803 | $570 | $1,100 | $530 |
| Ruckersville, VA | $270,000 | $813 | $580 | $1,150 | $570 |
| Charlottesville, VA | $277,800 | $938 | $680 | $1,320 | $640 |
| Capon, WV | $112,400 | $724 | $520 | $990 | $470 |
| Grant County, WV | $144,600 | $685 | $490 | $940 | $450 |
| Catalpa, VA | $210,500 | $747 | $520 | $1,060 | $540 |
| Walkers Creek, VA | $244,000 | $937 | $640 | $1,290 | $650 |