Gavop tells you how to get the best homeowners insurance in Albemarle County, VA by getting the correct coverage, picking the right deductible, showing the best agents, comparing the cheapest rates, showing real customer reviews, etc.
| Bedrooms | Average Home Value | Estimated Replacement Value | Recommended Home Insurance Coverage |
|---|---|---|---|
| 1 Bedroom | $79,000 | $70,000 | $75,000-$100,000 |
| 2 Bedroom | $279,000 | $250,000 | $300,000-$350,000 |
| 3 Bedroom | $359,500 | $310,000 | $300,000-$350,000 |
| 4 Bedroom | $307,000 | $290,000 | $300,000-$350,000 |
| 5 Bedroom | $266,500 | $230,000 | $250,000-$300,000 |
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$140 | $861 |
| Superior Protection Discount | -$90 | $911 |
| Fire & Security Discount | -$100 | $901 |
| Hail Resistant Roof Discount | -$30 | $971 |
| Newly Constructed Home Discount | -$260 | $741 |
| 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 |
| Albemarle County | $1,000 | $989 | $1,989 | $719 | $1,719 | $270 |
| Albemarle County, VA | $1,000 | $989 | $1,989 | $719 | $1,719 | $270 |
| Fluvanna County, VA | $400 | $760 | $1,160 | $552 | $952 | $208 |
| Middle River, VA | $700 | $695 | $1,395 | $505 | $1,205 | $190 |
| South River, VA | $100 | $729 | $829 | $530 | $630 | $199 |
| Stonewall, VA | $700 | $702 | $1,402 | $510 | $1,210 | $192 |
| Louisa, VA | $400 | $833 | $1,233 | $605 | $1,005 | $228 |
| Buckingham County, VA | $2,500 | $635 | $3,135 | $461 | $2,961 | $174 |
| Belmont Estates, VA | $200 | $1,000 | $1,200 | $727 | $927 | $273 |
| Mountain Road, VA | $700 | $846 | $1,546 | $615 | $1,315 | $231 |
| Central, VA | $300 | $804 | $1,104 | $584 | $884 | $220 |
| Wreck Island, VA | $1,000 | $836 | $1,836 | $607 | $1,607 | $228 |
| Home Insurance Company Albemarle County, VA | Homeowners Insurance Agency Albemarle County, VA | Address | Popularity Score | Distance from Albemarle County (miles) |
|---|---|---|---|---|
| State Farm | Jeff Rebich | 9980 Spotswood Trail, Mcgaheysville, VA, 22840-2421 | 26.0 | |
| Liberty Mutual Independent | Towe Insurance Service Inc | 304 E Jefferson St, Charlottesville, VA, 22902 | 4.1 | |
| State Farm | Jeff Cochran | 3387 Anderson Hwy Ste A, Powhatan, VA, 23139-7310 | 49.7 | |
| Erie | A C Davis Insurance Agency | 500 Westfield Road Suite 17, Charlottesville, VA, 22901 | 5.0 | |
| Allstate | Fanning & Associates | Po Box 610, Locust Grove, VA, 22508 | 45.0 | |
| Allstate | Ralph King Pace | 1859 Seminole Trl, Charlottesville, VA, 22901 | 6.3 | |
| Nationwide | Mike Arnold Insurance Agency Inc The | 103 South Pantops Dr Ste 101, Charlottesville, VA, 22911 | 5.4 | |
| State Farm | Gary Albert | 1380 Rio Road E, Charlottesville, VA, 22901 | 5.8 | |
| State Farm | Larry Whitlock | 325 Four Leaf Ln Ste 7, Charlottesvle, VA, 22903-9203 | 7.2 | |
| Erie | Weaver Insurance & Financial | 201 Osage Lane, Waynesboro, VA, 22980 | 21.1 |
| Place | Typical Home Value | Typical Home Insurance Costs | 25th Percentile | 75th Percentile | Potential Savings & Difference between 25th & 75th Percentile |
|---|---|---|---|---|---|
| Virginia | $255,800 | $952 | $690 | $1,300 | $610 |
| Albemarle County, VA | $329,600 | $1,001 | $710 | $1,410 | $700 |
| Albemarle County, VA | $329,600 | $1,001 | $730 | $1,430 | $700 |
| Fluvanna County, VA | $228,100 | $769 | $520 | $1,100 | $580 |
| Middle River, VA | $183,600 | $703 | $510 | $1,000 | $490 |
| South River, VA | $205,100 | $738 | $490 | $1,060 | $570 |
| Stonewall, VA | $187,500 | $711 | $480 | $1,020 | $540 |
| Louisa, VA | $186,300 | $843 | $580 | $1,170 | $590 |
| Buckingham County, VA | $132,500 | $643 | $430 | $880 | $450 |
| Belmont Estates, VA | $307,000 | $1,012 | $740 | $1,410 | $670 |
| Mountain Road, VA | $192,700 | $856 | $610 | $1,210 | $600 |
| Central, VA | $270,700 | $814 | $560 | $1,150 | $590 |
| Wreck Island, VA | $187,700 | $846 | $570 | $1,200 | $630 |