Gavop shows you how to buy homeowners insurance in Highland 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 | $48,000 | $40,000 | $25,000-$50,000 |
| 2 Bedroom | $124,000 | $100,000 | $125,000-$150,000 |
| 3 Bedroom | $176,500 | $170,000 | $150,000-$175,000 |
| 4 Bedroom | $282,000 | $230,000 | $200,000-$250,000 |
| 5 Bedroom | $268,000 | $240,000 | $200,000-$250,000 |
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$99 | $605 |
| Superior Protection Discount | -$63 | $641 |
| Fire & Security Discount | -$56 | $648 |
| Hail Resistant Roof Discount | -$14 | $690 |
| Newly Constructed Home Discount | -$190 | $514 |
| 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 |
| Highland County | $1,500 | $695 | $2,195 | $505 | $2,005 | $190 |
| Highland County, VA | $1,000 | $695 | $1,695 | $505 | $1,505 | $190 |
| Hot Springs, VA | $200 | $636 | $836 | $462 | $662 | $174 |
| Valley Bend, WV | $2,500 | $562 | $3,062 | $409 | $2,909 | $154 |
| Greenville, VA | $200 | $791 | $991 | $575 | $775 | $216 |
| Kerrs Creek, VA | $1,000 | $917 | $1,917 | $666 | $1,666 | $251 |
| Middle Fork, WV | $200 | $492 | $692 | $358 | $558 | $134 |
| Iron Gate, VA | $2,500 | $383 | $2,883 | $279 | $2,779 | $105 |
| Lyndhurst, VA | $200 | $832 | $1,032 | $605 | $805 | $227 |
| Sherando, VA | $700 | $793 | $1,493 | $577 | $1,277 | $217 |
| Nellysford, VA | $100 | $1,204 | $1,304 | $875 | $975 | $329 |
| Home Insurance Company Highland County, VA | Homeowners Insurance Agency Highland County, VA | Address | Popularity Score | Distance from Highland County (miles) |
|---|---|---|---|---|
| Erie | Blue Ridge Insurance Services Inc. | 116 Reservoir Street, Harrisonburg, VA, 22801 | 38.9 | |
| State Farm | Jeff Rebich | 9980 Spotswood Trail, Mcgaheysville, VA, 22840-2421 | 45.5 | |
| Erie | Valley Trust Insurance Group | 829 Greenville Avenue, Staunton, VA, 24401 | 31.2 | |
| State Farm | Chris Branham | 1615 Jefferson Hwy Ste 110, Fishersville, VA, 22939-2270 | 36.7 | |
| State Farm | Robert Teague | 454 S Main St, Broadway, VA, 22815 | 44.9 | |
| Erie | Staley Insurance Agency Inc. | 1105 Greenville Avenue, Staunton, VA, 24401 | 31.6 | |
| Nationwide | Huffman Insurance Agencies Inc | 209 S Main St, Lexington, VA, 24450-2317 | 40.2 | |
| Erie | Ld&B Insurance & Financial Service | 205 S Liberty Street Suite A, Harrisonburg, VA, 22801 | 38.3 | |
| Erie | Warner Insurance Agency Llc | 1110 Churchville Avenue, Staunton, VA, 24401 | 29.3 | |
| Travelers | Bankers Insurance Llc | 320 N Central Ave, Staunton, VA, 24401 | 30.3 |
| Place | Typical Home Value | Typical Home Insurance Costs | 25th Percentile | 75th Percentile | Potential Savings & Difference between 25th & 75th Percentile |
|---|---|---|---|---|---|
| Virginia | $255,800 | $952 | $690 | $1,350 | $660 |
| Highland County, VA | $184,000 | $704 | $480 | $1,000 | $520 |
| Highland County, VA | $184,000 | $704 | $480 | $1,010 | $530 |
| Hot Springs, VA | $120,300 | $644 | $430 | $900 | $470 |
| Valley Bend, WV | $69,400 | $569 | $410 | $790 | $380 |
| Greenville, VA | $168,200 | $801 | $550 | $1,110 | $560 |
| Kerrs Creek, VA | $236,600 | $928 | $640 | $1,330 | $690 |
| Middle Fork, WV | $52,800 | $498 | $330 | $690 | $360 |
| Iron Gate, VA | $70,400 | $388 | $270 | $550 | $280 |
| Lyndhurst, VA | $185,600 | $842 | $560 | $1,170 | $610 |
| Sherando, VA | $168,900 | $803 | $550 | $1,100 | $550 |
| Nellysford, VA | $408,100 | $1,219 | $880 | $1,670 | $790 |