Gavop's guide to buying homeowners insurance in Louisa 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.
| Louisa County, VA - Neighbourhoods, Census Blocks & Streets | 3 Bedroom | 2 Bedroom | ||||
|---|---|---|---|---|---|---|
| Average Home Value | Estimated Replacement Value | Recommended Home Insurance Coverage | Average Home Value | Estimated Replacement Value | Recommended Home Insurance Coverage | |
| Virginia Ave, Palomino Dr, Johnsonville Rd, Oakland Church Rd, Pine Ridge Dr, State Rte T-1003, Wesbey Dr, Octagon Church Rd, Piney Loop, State Rte 689 | $210,000 | $200,000 | $175,000-$200,000 | $119,500 | $110,000 | $100,000-$125,000 |
| State Rte 604, J and R Dr, Turtle St, Ferncliff Farms Ln, Stonewall Ct, Patrick Henry Dr, Pine Harbour Dr, Oakland Pl, Church Ave, State Rte 723 | $165,000 | $160,000 | $150,000-$175,000 | $134,500 | $110,000 | $125,000-$150,000 |
| Lake Anna Dr, Brounaugh Ln, Vogt Ln, Windswept Rd, Quail Dr, Wood Cove Ct, Eastview Ln, Haden Ln, Dogwood Ln, Long View Dr | $208,500 | $170,000 | $175,000-$200,000 | $240,000 | $200,000 | $200,000-$250,000 |
| State Rte 719, Mica Rd, State Rte 607, State Rte 675, Osprey Ln, Hwy 793, Old Farm Hollow, Shortmans Rd, Hidden Creek Rd, Commodore Ln | $208,000 | $190,000 | $150,000-$175,000 | $108,000 | $90,000 | $100,000-$125,000 |
| Nucks Ln, State Rte 615, E Pebble Beach Dr, Kennon Rd, Ara Morris Rd, Zarin Ave, Willow Brook Rd, Mt Pleasant Church Rd, Lakeside Dr, State Rte 747 | $332,000 | $280,000 | $350,000-$400,000 | $228,000 | $200,000 | $200,000-$250,000 |
| Minor Ln, E 2nd St, State Rte 627, Landover Rd, Chase Ln, Shorewood Dr, Robertson Town Rd, Cresmont Rd, Eastham Rd, Hwy 785 | $235,500 | $190,000 | $250,000-$300,000 | $201,000 | $190,000 | $200,000-$250,000 |
| Mastin Dr, Pike St, Tall Oaks Ln, Hackingwood Ln, State Rte 649, State Rte 628, State Rte 640, Hickory Creek Rd, Moody Creek Rd, Shawnee Dr | $282,000 | $240,000 | $200,000-$250,000 | $141,000 | $130,000 | $150,000-$175,000 |
| Belle Meade Rd, Louisa Ave, Barbara Rd, Miltons Ln, Winston Rd, Ten-Minute Dr, E Old Mountain Rd, Whisperwood Dr, Mt View Farm Rd, Jones Farm Rd | $292,500 | $260,000 | $250,000-$300,000 | $162,000 | $140,000 | $125,000-$150,000 |
| Factory Mill Rd, Pinehurst Dr, Anna Coves Ct, Fox Rd, Bent Creek Ln, Byrd Mill Rd, Ellisville Dr, Mickie Town Rd, Ivy Ln, Turkey Trl | $222,500 | $210,000 | $200,000-$250,000 | $184,500 | $160,000 | $150,000-$175,000 |
| Lasley Ln, Tamarack Ter, State Rte 749, Yancey Dr, Mountain Rd, Park Ave, Clearview Farms Ln, State Rte 636, US Hwy 250, State Rte 753 | $222,000 | $200,000 | $250,000-$300,000 | $137,000 | $130,000 | $125,000-$150,000 |
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$121 | $745 |
| Superior Protection Discount | -$87 | $780 |
| Fire & Security Discount | -$78 | $788 |
| Hail Resistant Roof Discount | -$26 | $840 |
| Newly Constructed Home Discount | -$243 | $624 |
| 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 |
| Louisa County | $1,500 | $856 | $2,356 | $622 | $2,122 | $234 |
| Louisa County, VA | $700 | $856 | $1,556 | $622 | $1,322 | $234 |
| Goochland County, VA | $300 | $863 | $1,163 | $627 | $927 | $236 |
| Locust Dale, VA | $2,000 | $977 | $2,977 | $710 | $2,710 | $267 |
| Charlottesville, VA | $200 | $927 | $1,127 | $673 | $873 | $253 |
| Hanover, VA | $2,500 | $1,040 | $3,540 | $756 | $3,256 | $284 |
| Esmont, VA | $400 | $762 | $1,162 | $554 | $954 | $208 |
| Cumberland, VA | $1,500 | $270 | $1,770 | $196 | $1,696 | $74 |
| Passapatanzy, VA | $400 | $938 | $1,338 | $681 | $1,081 | $256 |
| Stafford Courthouse, VA | $700 | $984 | $1,684 | $715 | $1,415 | $269 |
| Amelia Court House, VA | $100 | $790 | $890 | $574 | $674 | $216 |
| Acquinton, VA | $2,500 | $726 | $3,226 | $528 | $3,028 | $198 |
| Home Insurance Company Louisa County, VA | Homeowners Insurance Agency Louisa County, VA | Address | Popularity Score | Distance from Louisa County (miles) |
|---|---|---|---|---|
| Erie | Sandston Insurance Agency Inc. | 51 W Williamsburg Road, Sandston, VA, 23150 | 46.9 | |
| Travelers | Premier Insurance Agency Ltd | 2409 Dovercourt Dr, Midlothian, VA, 23113 | 34.8 | |
| Erie | Diversity Insurance Agency Llc | 6002 W Broad Street Suite 201, Richmond, VA, 23230 | 36.0 | |
| State Farm | Byron Mehlhaff | 405 E Main St, Louisa, VA, 23093 | 3.9 | |
| Farmers | Wil Bangs | 5930 Harbour Park Dr, Midlothian, VA, 23112 | 42.1 | |
| State Farm | Dennis Dodson | 2304 Jeff Davis Hwy, Fredericksbrg, VA, 22401-2116 | 33.3 | |
| Allstate | Tribble Insurance Agency | 7084 Mechanicsville Tpke, Mechanicsville, VA, 23111 | 41.9 | |
| Erie | G L Herndon Insurance Agency | 12022 Old Salem Church Road, Fredericksburg, VA, 22407 | 31.9 | |
| Travelers | Total Insurance Planning Llc | 13804 Hull St Rd Ste 201, Midlothian, VA, 23112 | 42.3 | |
| Nationwide | Laufer Insurance Agency Inc The | 71 S Laburnum Ave, Richmond, VA, 23223 | 43.8 |
| Place | Typical Home Value | Typical Home Insurance Costs | 25th Percentile | 75th Percentile | Potential Savings & Difference between 25th & 75th Percentile |
|---|---|---|---|---|---|
| Virginia | $255,800 | $952 | $660 | $1,360 | $700 |
| Louisa County, VA | $212,900 | $866 | $590 | $1,240 | $650 |
| Louisa County, VA | $212,900 | $866 | $620 | $1,230 | $610 |
| Goochland County, VA | $327,700 | $874 | $630 | $1,250 | $620 |
| Locust Dale, VA | $287,700 | $989 | $670 | $1,410 | $740 |
| Charlottesville, VA | $277,800 | $938 | $640 | $1,320 | $680 |
| Hanover, VA | $335,900 | $1,053 | $750 | $1,450 | $700 |
| Esmont, VA | $157,100 | $771 | $550 | $1,090 | $540 |
| Cumberland, VA | $53,200 | $273 | $190 | $390 | $200 |
| Passapatanzy, VA | $253,100 | $949 | $670 | $1,340 | $670 |
| Stafford Courthouse, VA | $294,100 | $996 | $710 | $1,360 | $650 |
| Amelia Court House, VA | $167,900 | $800 | $580 | $1,140 | $560 |
| Acquinton, VA | $202,500 | $735 | $510 | $1,040 | $530 |