Gavop's guide to buying homeowners insurance in Bermuda, 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.
| Bermuda, VA - Neighbourhoods, Census Blocks & Streets | 3 Bedroom | 4 Bedroom | ||||
|---|---|---|---|---|---|---|
| Average Home Value | Estimated Replacement Value | Recommended Home Insurance Coverage | Average Home Value | Estimated Replacement Value | Recommended Home Insurance Coverage | |
| Crystal Downs Ct, Drumvale Dr, Liverpool Cir, Aberdeen Rd, Pine Vista Ln, Whitebirch Dr, Coxendale Rd, Shellharbor Ct, Chestertowne Rd, State Rte 620 | $268,000 | $240,000 | $250,000-$300,000 | $245,500 | $230,000 | $200,000-$250,000 |
| Hamilton Dr, Memory Ln, Kentshire Ln, Walmsley Blvd, Pano Ct, Evelyn Dr, Silverdust Pl, Bethesda Ct, Nightingale Ct, Brook Ln | $186,000 | $150,000 | $150,000-$175,000 | $330,000 | $280,000 | $250,000-$300,000 |
| Nile Rd, Church Rd, Krenmore Ln, Eastfair Dr, Branner Pl, Cedar Ln, Prairie Wood Rd, Arbor Landing Dr, Eagles Crest Dr, Brentwood Cir | $184,500 | $170,000 | $200,000-$250,000 | $325,000 | $270,000 | $300,000-$350,000 |
| Windward Dr, Kelmarbi Rd, Round Rock Pl, Apamatica Ln, Furlong Ter, Oak St, Martineau Dr, Coxendale Rd, Huband Ave, Cherry Park Pl | $129,000 | $110,000 | $125,000-$150,000 | $144,500 | $140,000 | $100,000-$125,000 |
| Seminole Ave, Shagreen Ln, Starboard Dr, Rockridge Rd, Dawnshire Rd, Carroll Ln, Majestic Creek Dr, Flintlock Dr, Inverness Dr, Demaret Dr | $197,500 | $180,000 | $200,000-$250,000 | $438,000 | $380,000 | $350,000-$400,000 |
| Flagler Rd, Euphoria Rd, Nash Rd, Litwack Cove Dr, Cove Dr, Stepney Rd, Fielding Rd, Cedardale Ln, Chippoke Rd, Pioneer St | $228,000 | $190,000 | $250,000-$300,000 | $356,000 | $290,000 | $300,000-$350,000 |
| Wentworth St, Stonebridge Ln, Weir Rd, Sandwave Rd, Ridgemont Ave, Stoney Creek Ct, Enon Church Rd, Gary Ave, Bellbrook Dr, Glendevon Ter | $211,500 | $180,000 | $200,000-$250,000 | $283,000 | $250,000 | $300,000-$350,000 |
| Kaybridge Rd, Matoaca Rd, Karma Rd, Sheffield Forest Rd, Elko Rd, McAllister Dr, Redbird Dr, Galena Rd, Fox Dr, Belvoir Rd | $194,500 | $170,000 | $150,000-$175,000 | $215,000 | $180,000 | $200,000-$250,000 |
| Lippingham Cir, Glendevon Cir, Buccaneer Dr, Dulwich Dr, Ecoff Ave, Spring Valley Rd, Heather Stone Dr, Walthall Dr, Walworth Dr, Rossington Pl | $192,500 | $160,000 | $150,000-$175,000 | $310,000 | $260,000 | $300,000-$350,000 |
| Village Garden Ct, Omaha St, Merriewood Rd, Tobacco Bay Pl, Lunswood Rd, Mineola Dr, Yantis Ct, Old Stage Rd, Grove Pl, Orchard Leaf Pl | $193,000 | $170,000 | $175,000-$200,000 | $191,500 | $160,000 | $175,000-$200,000 |
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$143 | $610 |
| Superior Protection Discount | -$75 | $677 |
| Fire & Security Discount | -$60 | $692 |
| Hail Resistant Roof Discount | -$23 | $730 |
| Newly Constructed Home Discount | -$173 | $580 |
| 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 | $1,500 | $863 | $2,363 | $627 | $2,127 | $236 |
| Bermuda, VA | $1,000 | $744 | $1,744 | $540 | $1,540 | $203 |
| Montrose, VA | $300 | $591 | $891 | $429 | $729 | $161 |
| Dumbarton, VA | $700 | $637 | $1,337 | $463 | $1,163 | $174 |
| Cold Harbor, VA | $400 | $788 | $1,188 | $572 | $972 | $215 |
| Brookland, VA | $2,500 | $748 | $3,248 | $543 | $3,043 | $204 |
| Newville, VA | $400 | $791 | $1,191 | $575 | $975 | $216 |
| Amelia County, VA | $1,500 | $698 | $2,198 | $507 | $2,007 | $191 |
| Stonehouse, VA | $200 | $832 | $1,032 | $605 | $805 | $227 |
| Lake Caroline, VA | $1,500 | $842 | $2,342 | $612 | $2,112 | $230 |
| Southampton County, VA | $500 | $674 | $1,174 | $490 | $990 | $184 |
| Lawrenceville, VA | $2,500 | $480 | $2,980 | $349 | $2,849 | $131 |
| Home Insurance Company Bermuda, VA | Homeowners Insurance Agency Bermuda, VA | Address | Popularity Score | Distance from Bermuda (miles) |
|---|---|---|---|---|
| Travelers | Dyeco Insurance Group Llc | 10301 Hull Street Road Suite 3 Office 3, Midlothian, VA, 23112 | 12.3 | |
| State Farm | Bill Conley | 7516 Jefferson Davis Highway, Richmond, VA, 23237-4439 | 5.5 | |
| Farmers | Rahn Burleson | 393 Denbigh Blvd Ste F, Newport News, VA, 23608 | 49.7 | |
| Erie | All Coverage Insurance | 11950 Iron Bridge Plaza, Chester, VA, 23831 | 4.7 | |
| State Farm | Amy Roberts | 26040 Cox Rd, Petersburg, VA, 23803-6566 | 9.8 | |
| Travelers | Action Insurance Agency Inc | 3759 George Washington Mem Hwy, Hayes, VA, 23072 | 48.7 | |
| Erie | Bacon Insurance Group | 3711 Westerre Parkway Suite D, Richmond, VA, 23233 | 22.8 | |
| Travelers | Ford Agency Inc | 111 W Poythress St, Hopewell, VA, 23860 | 6.8 | |
| State Farm | Ted Antol | 13137 Rivers Bend Blvd, Chester, VA, 23836-2699 | 2.2 | |
| Allstate | David Guthrie | 9510 Iron Bridge Rd Ste 150, Chesterfield, VA, 23832 | 6.9 |
| Place | Typical Home Value | Typical Home Insurance Costs | 25th Percentile | 75th Percentile | Potential Savings & Difference between 25th & 75th Percentile |
|---|---|---|---|---|---|
| Virginia | $255,800 | $952 | $640 | $1,300 | $660 |
| Chesterfield County, VA | $224,200 | $874 | $590 | $1,210 | $620 |
| Bermuda, VA | $215,200 | $753 | $550 | $1,030 | $480 |
| Montrose, VA | $120,000 | $598 | $430 | $820 | $390 |
| Dumbarton, VA | $155,900 | $644 | $440 | $880 | $440 |
| Cold Harbor, VA | $253,500 | $797 | $550 | $1,140 | $590 |
| Brookland, VA | $217,900 | $757 | $540 | $1,050 | $510 |
| Newville, VA | $168,300 | $801 | $570 | $1,130 | $560 |
| Amelia County, VA | $185,100 | $706 | $490 | $1,010 | $520 |
| Stonehouse, VA | $299,700 | $843 | $600 | $1,200 | $600 |
| Lake Caroline, VA | $190,400 | $852 | $620 | $1,170 | $550 |
| Southampton County, VA | $172,800 | $682 | $460 | $950 | $490 |
| Lawrenceville, VA | $87,100 | $486 | $340 | $690 | $350 |