Gavop shows you how to buy homeowners insurance in Emporia, 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 | $45,000 | $40,000 | $25,000-$50,000 |
| 2 Bedroom | $80,000 | $70,000 | $75,000-$100,000 |
| 3 Bedroom | $88,500 | $80,000 | $75,000-$100,000 |
| 4 Bedroom | $213,000 | $190,000 | $200,000-$250,000 |
| 5 Bedroom | $204,000 | $160,000 | $175,000-$200,000 |
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$87 | $494 |
| Superior Protection Discount | -$58 | $523 |
| Fire & Security Discount | -$52 | $529 |
| Hail Resistant Roof Discount | -$17 | $564 |
| Newly Constructed Home Discount | -$122 | $459 |
| 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 |
| Seaboard | $700 | $504 | $1,204 | $366 | $1,066 | $138 |
| Emporia, VA | $700 | $574 | $1,274 | $417 | $1,117 | $157 |
| Conway, NC | $200 | $624 | $824 | $454 | $654 | $171 |
| Judkins, NC | $400 | $544 | $944 | $396 | $796 | $149 |
| Como, NC | $1,000 | $447 | $1,447 | $325 | $1,325 | $122 |
| Enfield, NC | $100 | $846 | $946 | $615 | $715 | $231 |
| Petersburg, VA | $1,500 | $1,006 | $2,506 | $731 | $2,231 | $275 |
| Aulander, NC | $100 | $430 | $530 | $312 | $412 | $117 |
| South Whitakers, NC | $400 | $703 | $1,103 | $511 | $911 | $192 |
| Home Insurance Company Emporia, VA | Homeowners Insurance Agency Emporia, VA | Address | Popularity Score | Distance from Emporia (miles) |
|---|---|---|---|---|
| Erie | Taylors Insurance Service Ltd. | 624 W Danville Street, South Hill, VA, 23970 | 33.4 | |
| Erie | All Coverage Insurance | 11950 Iron Bridge Plaza, Chester, VA, 23831 | 45.3 | |
| State Farm | Bryan Fenters | 204 Stewart Dr, Franklin, VA, 23851-2456 | 32.7 | |
| State Farm | Jason Dean | 12135 S Chalkley Rd, Chester, VA, 23831-3755 | 45.3 | |
| Nationwide | Bradshaw And Associates Inc | 2631 W Hundred Rd, Chester, VA, 23831-2308 | 45.9 | |
| Travelers | Southside Insurers | 114 E Atlantic St, South Hill, VA, 23970 | 32.9 | |
| Erie | Pearce & Company Insurance Services Inc. | 110 Norfolk Avenue Suite A, Colonial Heights, VA, 23834 | 38.7 | |
| State Farm | Derek Mcdaniel | 11342 Iron Bridge Rd, Chester, VA, 23831-1445 | 45.8 | |
| Nationwide | Henn Agency Inc The | 3022 S Crater Rd Ste B, Petersburg, VA, 23805-9223 | 35.3 | |
| Allstate | David Guthrie | 9510 Iron Bridge Rd Ste 150, Chesterfield, VA, 23832 | 47.3 |
| Place | Typical Home Value | Typical Home Insurance Costs | 25th Percentile | 75th Percentile | Potential Savings & Difference between 25th & 75th Percentile |
|---|---|---|---|---|---|
| Virginia | $255,800 | $952 | $690 | $1,340 | $650 |
| Seaboard, NC | $79,500 | $510 | $350 | $720 | $370 |
| Emporia, VA | $115,700 | $581 | $390 | $830 | $440 |
| Conway, NC | $101,600 | $632 | $460 | $880 | $420 |
| Judkins, NC | $86,600 | $551 | $370 | $790 | $420 |
| Como, NC | $70,000 | $452 | $330 | $640 | $310 |
| Enfield, NC | $70,200 | $856 | $590 | $1,180 | $590 |
| Petersburg, VA | $112,900 | $1,018 | $730 | $1,460 | $730 |
| Aulander, NC | $67,200 | $435 | $310 | $600 | $290 |
| South Whitakers, NC | $117,900 | $712 | $510 | $980 | $470 |