Gavop's guide to buying homeowners insurance in Colonial Heights, 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 | $67,000 | $60,000 | $50,000-$75,000 |
| 2 Bedroom | $117,500 | $110,000 | $125,000-$150,000 |
| 3 Bedroom | $269,500 | $260,000 | $200,000-$250,000 |
| 4 Bedroom | $340,500 | $320,000 | $250,000-$300,000 |
| 5 Bedroom | $251,500 | $220,000 | $250,000-$300,000 |
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$119 | $543 |
| Superior Protection Discount | -$66 | $596 |
| Fire & Security Discount | -$60 | $602 |
| Hail Resistant Roof Discount | -$13 | $649 |
| Newly Constructed Home Discount | -$192 | $470 |
| 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 |
| Fort Lee | $1,000 | $896 | $1,896 | $651 | $1,651 | $245 |
| Colonial Heights, VA | $2,500 | $654 | $3,154 | $475 | $2,975 | $179 |
| Richmond, VA | $300 | $850 | $1,150 | $618 | $918 | $232 |
| Midlothian, VA | $1,500 | $931 | $2,431 | $677 | $2,177 | $255 |
| Carsley, VA | $100 | $766 | $866 | $556 | $656 | $209 |
| Sussex, VA | $1,500 | $715 | $2,215 | $520 | $2,020 | $195 |
| Chickahominy, VA | $300 | $829 | $1,129 | $603 | $903 | $227 |
| West Point, VA | $700 | $716 | $1,416 | $520 | $1,220 | $196 |
| Red Oak, VA | $500 | $565 | $1,065 | $411 | $911 | $154 |
| Roberts, VA | $2,500 | $906 | $3,406 | $659 | $3,159 | $248 |
| Reedy Church, VA | $200 | $855 | $1,055 | $621 | $821 | $234 |
| Home Insurance Company Colonial Heights, VA | Homeowners Insurance Agency Colonial Heights, VA | Address | Popularity Score | Distance from Colonial Heights (miles) |
|---|---|---|---|---|
| Erie | All Coverage Insurance | 11950 Iron Bridge Plaza, Chester, VA, 23831 | 7.8 | |
| State Farm | Jason Dean | 12135 S Chalkley Rd, Chester, VA, 23831-3755 | 7.7 | |
| Allstate | Barry F. Melvin | 4316 Chester Village Ln, Chester, VA, 23831 | 7.3 | |
| State Farm | Scott Miller | 13193 Warwick Blvd Ste 102, Newport News, VA, 23602-8320 | 49.6 | |
| State Farm | Anne Sparkman | 14203 Old Courths Way, Newport News, VA, 23602-3749 | 49.5 | |
| Travelers | Ford Agency Inc | 111 W Poythress St, Hopewell, VA, 23860 | 6.7 | |
| Erie | Pearce & Company Insurance Services Inc. | 110 Norfolk Avenue Suite A, Colonial Heights, VA, 23834 | 1.2 | |
| State Farm | Ted Antol | 13137 Rivers Bend Blvd, Chester, VA, 23836-2699 | 6.6 | |
| Allstate | Brenda Tribble | 5412 Glenside Dr Ste D, Richmond, VA, 23228 | 24.9 | |
| State Farm | Steve Bowler | 1508 S Church St, Smithfield, VA, 23430-1859 | 48.0 |
| Place | Typical Home Value | Typical Home Insurance Costs | 25th Percentile | 75th Percentile | Potential Savings & Difference between 25th & 75th Percentile |
|---|---|---|---|---|---|
| Virginia | $255,800 | $952 | $640 | $1,340 | $700 |
| Fort Lee, VA | $221,900 | $907 | $630 | $1,290 | $660 |
| Colonial Heights, VA | $163,300 | $662 | $480 | $930 | $450 |
| Richmond, VA | $209,200 | $860 | $580 | $1,190 | $610 |
| Midlothian, VA | $281,800 | $943 | $640 | $1,350 | $710 |
| Carsley, VA | $158,700 | $775 | $570 | $1,100 | $530 |
| Sussex, VA | $142,000 | $724 | $490 | $1,010 | $520 |
| Chickahominy, VA | $296,400 | $839 | $600 | $1,160 | $560 |
| West Point, VA | $195,900 | $725 | $490 | $1,000 | $510 |
| Red Oak, VA | $104,000 | $572 | $390 | $790 | $400 |
| Roberts, VA | $358,400 | $917 | $620 | $1,260 | $640 |
| Reedy Church, VA | $197,000 | $865 | $590 | $1,190 | $600 |