Gavop's guide to buying homeowners insurance in Cave Spring, 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.
| Cave Spring, 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 | |
| Penguin Dr, Woodview Rd, Roselawn Rd SW, Wynne Rd, Oakcliff Dr, Franklin Rd SW, Stoneybrook Dr, Falcon Ridge Rd, Lofton Rd, Sandpiper Dr | $251,500 | $230,000 | $250,000-$300,000 | $325,500 | $290,000 | $350,000-$400,000 |
| State Rte 800, Valley Forge Cir, Dyer Ct, Bunker Hill Dr, Golden Eagle Ln, Hereford Rd, Overlook Trail Dr, State Rte 766, Wakefield St, Runnymeade Ln SW | $153,000 | $140,000 | $175,000-$200,000 | $359,500 | $340,000 | $400,000-$500,000 |
| Verona Trl SW, Brahma Rd, Bond St, Tanglewood Dr, Keefer Rd, Oak Ct, Sleepy Hollow Dr, Two Ford Rd, Willowlawn St, Hilltop Rd | $197,500 | $160,000 | $175,000-$200,000 | $238,500 | $220,000 | $200,000-$250,000 |
| State Rte 1727, Woodcock Cir, Flamingo Dr, Hackney Ln, Overbrook Dr, Crawford Rd, Skylark Cir, Bandy Rd, Davis Boone Rd, Valley Forge Ave | $162,500 | $140,000 | $150,000-$175,000 | $197,000 | $160,000 | $200,000-$250,000 |
| Bear Ridge Cir, Red Rock Rd SW, Meadowlark Rd, Southwick Cir SW, Penn Forest Blvd, Sunbreeze Cir, Terminal Rd, Merriman Rd, Sunscape Dr, Vauxhall Rd | $267,000 | $230,000 | $250,000-$300,000 | $375,500 | $340,000 | $400,000-$500,000 |
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$139 | $593 |
| Superior Protection Discount | -$73 | $658 |
| Fire & Security Discount | -$51 | $680 |
| Hail Resistant Roof Discount | -$22 | $710 |
| Newly Constructed Home Discount | -$161 | $571 |
| 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 |
| Roanoke County | $2,500 | $819 | $3,319 | $595 | $3,095 | $224 |
| Cave Spring, VA | $700 | $723 | $1,423 | $525 | $1,225 | $198 |
| Hollins, VA | $200 | $713 | $913 | $518 | $718 | $195 |
| Craig Creek, VA | $2,500 | $857 | $3,357 | $623 | $3,123 | $234 |
| North Shore, VA | $400 | $1,642 | $2,042 | $1,193 | $1,593 | $449 |
| Floyd County, VA | $1,000 | $632 | $1,632 | $459 | $1,459 | $173 |
| Snowville, VA | $100 | $1,754 | $1,854 | $1,274 | $1,374 | $479 |
| Indian Valley, VA | $2,500 | $701 | $3,201 | $510 | $3,010 | $192 |
| Pembroke, VA | $200 | $510 | $710 | $370 | $570 | $139 |
| Iriswood, VA | $700 | $916 | $1,616 | $666 | $1,366 | $250 |
| Draper, VA | $500 | $611 | $1,111 | $444 | $944 | $167 |
| Lynchburg, VA | $1,500 | $729 | $2,229 | $530 | $2,030 | $199 |
| Home Insurance Company Cave Spring, VA | Homeowners Insurance Agency Cave Spring, VA | Address | Popularity Score | Distance from Cave Spring (miles) |
|---|---|---|---|---|
| Travelers | Blue Ridge Insurance Services | 111-B Hexham Dr, Lynchburg, VA, 24502 | 43.3 | |
| Travelers | Roanoke Insurance Agency | 2223 Crystal Spring Ave, Roanoke, VA, 24014 | 3.7 | |
| Travelers | Cox-Cundiff Insurance Agency | 205 East Cleveland Ave, Vinton, VA, 24179 | 7.1 | |
| Erie | Castle-Rock Insurance Agency | 128 Oaktree Blvd, Christiansburg, VA, 24073 | 23.1 | |
| State Farm | Dianne Waller | 779 S Main Street, Gretna, VA, 24557-2021 | 40.6 | |
| State Farm | Chance Miller | 3555 Electric Rd Ste J, Roanoke, VA, 24018-4437 | 0.6 | |
| State Farm | Chris Starnes | 1370 Virginia Ave, Martinsville, VA, 24112-8468 | 36.7 | |
| State Farm | Jeff Glick | 2415 Electric Rd, Roanoke, VA, 24018-3522 | 1.5 | |
| Allstate | Robbie Aveson | 5501 Fort Ave, Lynchburg, VA, 24502 | 46.4 | |
| State Farm | Brian Evans | 2302 Colonial Ave Sw Ste E, Roanoke, VA, 24015-3100 | 3.4 |
| 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 |
| Roanoke County, VA | $192,100 | $829 | $560 | $1,140 | $580 |
| Cave Spring, VA | $200,300 | $732 | $490 | $1,010 | $520 |
| Hollins, VA | $193,900 | $722 | $530 | $1,030 | $500 |
| Craig Creek, VA | $198,100 | $867 | $620 | $1,190 | $570 |
| North Shore, VA | $496,900 | $1,662 | $1,210 | $2,280 | $1,070 |
| Floyd County, VA | $153,800 | $639 | $430 | $880 | $450 |
| Snowville, VA | $562,500 | $1,775 | $1,210 | $2,520 | $1,310 |
| Indian Valley, VA | $137,800 | $710 | $480 | $1,010 | $530 |
| Pembroke, VA | $92,700 | $516 | $370 | $710 | $340 |
| Iriswood, VA | $103,800 | $928 | $620 | $1,310 | $690 |
| Draper, VA | $125,600 | $618 | $410 | $870 | $460 |
| Lynchburg, VA | $153,800 | $738 | $510 | $1,060 | $550 |