Gavop's guide to buying homeowners insurance in Bedford County, 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 | $77,500 | $70,000 | $50,000-$75,000 |
| 2 Bedroom | $136,500 | $110,000 | $100,000-$125,000 |
| 3 Bedroom | $187,000 | $160,000 | $200,000-$250,000 |
| 4 Bedroom | $256,000 | $220,000 | $250,000-$300,000 |
| 5 Bedroom | $380,000 | $330,000 | $300,000-$350,000 |
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$151 | $690 |
| Superior Protection Discount | -$76 | $765 |
| Fire & Security Discount | -$76 | $765 |
| Hail Resistant Roof Discount | -$25 | $816 |
| Newly Constructed Home Discount | -$210 | $631 |
| 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 |
| Bedford County | $2,000 | $831 | $2,831 | $604 | $2,604 | $227 |
| Bedford County, VA | $1,000 | $831 | $1,831 | $604 | $1,604 | $227 |
| Buchanan, VA | $200 | $654 | $854 | $475 | $675 | $179 |
| Callands-Gretna, VA | $700 | $574 | $1,274 | $417 | $1,117 | $157 |
| Rocky Mount, VA | $200 | $619 | $819 | $450 | $650 | $169 |
| Amherst County, VA | $1,000 | $723 | $1,723 | $525 | $1,525 | $197 |
| Amherst, VA | $500 | $780 | $1,280 | $567 | $1,067 | $213 |
| Piney Mountain, VA | $1,500 | $600 | $2,100 | $436 | $1,936 | $164 |
| Potts Mountain, VA | $100 | $660 | $760 | $480 | $580 | $180 |
| Reed Creek, VA | $1,500 | $909 | $2,409 | $660 | $2,160 | $248 |
| Villa Heights, VA | $100 | $451 | $551 | $327 | $427 | $123 |
| Fieldale, VA | $2,000 | $414 | $2,414 | $301 | $2,301 | $113 |
| Home Insurance Company Bedford County, VA | Homeowners Insurance Agency Bedford County, VA | Address | Popularity Score | Distance from Bedford County (miles) |
|---|---|---|---|---|
| State Farm | Andy Young | 1119 Oakley Ave, Lynchburg, VA, 24501-3753 | 20.7 | |
| Allstate | Chris Owen | 7335 Timberlake Rd Ste C, Lynchburg, VA, 24502 | 17.5 | |
| Erie | Nelles Insurance Solutions Inc. | 2225 Lakeside Drive Suite C, Lynchburg, VA, 24501 | 18.5 | |
| Erie | Bill Meador Insurance Agency | 2896 Northview Drive Sw, Roanoke, VA, 24015 | 26.3 | |
| Travelers | Benefit Solutions Insurance Agency Inc | 752 Burks Hill Rd, Bedford, VA, 24523 | 0.9 | |
| Allstate | Bernadette Kincheloe | 4664 Brambleton Ave, Roanoke, VA, 24018 | 27.7 | |
| Allstate | Carrie Mattox | 3622 Old Forest Rd Ste A, Lynchburg, VA, 24501 | 18.3 | |
| Nationwide | Cothran Insurance | 423 Laxton Rd, Lynchburg, VA, 24502 | 16.0 | |
| Travelers | Holdren Eubank & Stanley | 158 W Main St, Bedford, VA, 24523 | 1.6 | |
| State Farm | Chance Miller | 3555 Electric Rd Ste J, Roanoke, VA, 24018-4437 | 26.6 |
| Place | Typical Home Value | Typical Home Insurance Costs | 25th Percentile | 75th Percentile | Potential Savings & Difference between 25th & 75th Percentile |
|---|---|---|---|---|---|
| Virginia | $255,800 | $952 | $690 | $1,320 | $630 |
| Bedford County, VA | $198,100 | $841 | $610 | $1,170 | $560 |
| Bedford County, VA | $198,100 | $841 | $610 | $1,200 | $590 |
| Buchanan, VA | $163,200 | $662 | $440 | $910 | $470 |
| Callands-Gretna, VA | $115,700 | $581 | $400 | $800 | $400 |
| Rocky Mount, VA | $127,800 | $627 | $430 | $880 | $450 |
| Amherst County, VA | $151,500 | $731 | $530 | $1,000 | $470 |
| Amherst, VA | $163,600 | $789 | $560 | $1,080 | $520 |
| Piney Mountain, VA | $111,500 | $607 | $440 | $870 | $430 |
| Potts Mountain, VA | $126,400 | $668 | $480 | $920 | $440 |
| Reed Creek, VA | $99,900 | $920 | $620 | $1,280 | $660 |
| Villa Heights, VA | $81,600 | $456 | $310 | $630 | $320 |
| Fieldale, VA | $75,300 | $419 | $280 | $590 | $310 |