Gavop shows you how to buy homeowners insurance in Northumberland County, VA by estimating coverage, choosing the right deductible, contacting the best agents, understanding claim requirements, comparing cheap rates, using discount options and reading reviews.
| Bedrooms | Average Home Value | Estimated Replacement Value | Recommended Home Insurance Coverage |
|---|---|---|---|
| 1 Bedroom | $85,000 | $80,000 | $75,000-$100,000 |
| 2 Bedroom | $176,500 | $160,000 | $200,000-$250,000 |
| 3 Bedroom | $266,000 | $220,000 | $250,000-$300,000 |
| 4 Bedroom | $342,000 | $280,000 | $300,000-$350,000 |
| 5 Bedroom | $436,000 | $400,000 | $350,000-$400,000 |
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$115 | $706 |
| Superior Protection Discount | -$82 | $739 |
| Fire & Security Discount | -$74 | $747 |
| Hail Resistant Roof Discount | -$25 | $796 |
| Newly Constructed Home Discount | -$172 | $648 |
| 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 |
| Northumberland County | $1,500 | $811 | $2,311 | $589 | $2,089 | $222 |
| Northumberland County, VA | $1,000 | $811 | $1,811 | $589 | $1,589 | $222 |
| Saluda, VA | $300 | $923 | $1,223 | $671 | $971 | $252 |
| Tangier, VA | $1,500 | $522 | $2,022 | $379 | $1,879 | $143 |
| Petsworth, VA | $100 | $739 | $839 | $537 | $637 | $202 |
| Whitesville, VA | $700 | $195 | $895 | $141 | $841 | $53 |
| Broomes Island, MD | $100 | $1,111 | $1,211 | $807 | $907 | $303 |
| Nelsonia, VA | $100 | $401 | $501 | $292 | $392 | $110 |
| Calvert County, MD | $100 | $1,053 | $1,153 | $765 | $865 | $288 |
| Home Insurance Company Northumberland County, VA | Homeowners Insurance Agency Northumberland County, VA | Address | Popularity Score | Distance from Northumberland County (miles) |
|---|---|---|---|---|
| Allstate | Marsha Weatherwax | 6941 Geo Wash Mem Hwy, Gloucester, VA, 23061 | 31.9 | |
| State Farm | Jon Fratter | 4521 Geo Wash Mem Hwy, Yorktown, VA, 23692-2702 | 47.9 | |
| State Farm | David Borland | 1490 Quarterpath Rd Ste 5d, Williamsburg, VA, 23185-6544 | 45.2 | |
| Travelers | Budget Insurance Agency | 110 Dare Rd Ste D, Yorktown, VA, 23692 | 48.2 | |
| State Farm | Mark Irwin | 7307 Geo Wash Mem Hwy Ste 1, Yorktown, VA, 23692-5012 | 47.0 | |
| Allstate | Patrick Odonnell | 5251 John Tyler Hwy Ste 58, Williamsburg, VA, 23185 | 45.7 | |
| State Farm | Allen Cornwell | 680 N Main St, Kilmarnock, VA, 22482 | 8.9 | |
| Erie | Thrift Insurance Corporation | 720 Main Street, West Point, VA, 23181 | 32.0 | |
| State Farm | Trevor Jones | 135 Grafton Station Ln Ste B, Yorktown, VA, 23692-4775 | 48.3 | |
| State Farm | Javier Fuentes | 4516 John Tyler Hwy, Williamsburg, VA, 23185-2452 | 46.7 |
| Place | Typical Home Value | Typical Home Insurance Costs | 25th Percentile | 75th Percentile | Potential Savings & Difference between 25th & 75th Percentile |
|---|---|---|---|---|---|
| Virginia | $255,800 | $952 | $660 | $1,350 | $690 |
| Northumberland County, VA | $277,900 | $821 | $590 | $1,130 | $540 |
| Northumberland County, VA | $277,900 | $821 | $600 | $1,130 | $530 |
| Saluda, VA | $241,400 | $934 | $670 | $1,340 | $670 |
| Tangier, VA | $95,000 | $528 | $390 | $750 | $360 |
| Petsworth, VA | $212,000 | $748 | $530 | $1,040 | $510 |
| Whitesville, VA | $42,900 | $197 | $130 | $270 | $140 |
| Broomes Island, MD | $339,700 | $1,124 | $890 | $1,420 | $530 |
| Nelsonia, VA | $73,300 | $406 | $280 | $580 | $300 |
| Calvert County, MD | $347,200 | $1,066 | $840 | $1,340 | $500 |