How Can I Make My Lynchburg, VA Home Insurance Cheaper
Gavop's guide to buying homeowners insurance in Lynchburg, 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.
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Estimate Appropriate Lynchburg, VA Home Insurance Coverage Levels | Back to Top
| Lynchburg, VA - Neighbourhoods, Census Blocks & Streets | 3 Bedroom | 2 Bedroom | ||||
|---|---|---|---|---|---|---|
| Average Home Value | Estimated Replacement Value | Recommended Home Insurance Coverage | Average Home Value | Estimated Replacement Value | Recommended Home Insurance Coverage | |
| Mayfield Dr, US Hwy 460, Graham St, Myrtle Ln, Holiday St, Cherokee Ave, Salisbury Cir, Yale St, Killarney Pl, Crescent Rd | $188,000 | $160,000 | $175,000-$200,000 | $159,000 | $150,000 | $150,000-$175,000 |
| Cornerstone St, 5th St, Blue Buckle Aly, Morgan St, D St, Heath Ave, Vista Ave, Oakley Ave, Oakridge Blvd, Arrow St | $101,500 | $90,000 | $75,000-$100,000 | $73,000 | $60,000 | $50,000-$75,000 |
| 10th St, Holcomb Path Rd, Seven Oaks Dr, Mill Lane Rd, Cambridge Pl, Miles Pl, Buena Vista St, Comanche Pl, Essex St, E Mackel St | $117,500 | $100,000 | $100,000-$125,000 | $47,000 | $40,000 | $25,000-$50,000 |
| Viking Dr, Georgetown Dr, Westminster Way, Morrison Dr, Hollins Mill Rd, Hollins Mill Rd, Royal Blvd, Autumn Dr, Biltmore Ave, Craddock St | $280,000 | $230,000 | $250,000-$300,000 | $186,500 | $180,000 | $150,000-$175,000 |
| Meadowview Dr, Filbert St, Berger St, Dulaney Ave, Carter St, Oakdale Dr, I St, Hefferman St, Royal Oak Cir, Devonshire Rd | $131,500 | $110,000 | $125,000-$150,000 | $110,000 | $100,000 | $100,000-$125,000 |
| Twin Court Ter, Old Trents Ferry Rd, Turtle Creek Rd, Blackstone Pl, Ruby St, Three Creeks Ct, Fillmore St, Rockbridge Ave, State Rte 658, Fredonia Ave | $133,500 | $120,000 | $150,000-$175,000 | $101,000 | $80,000 | $75,000-$100,000 |
| Main St, Alta Ln, Enterprise Dr, Cleveland Ave, Bell St, Rose Ln, Timbrook Pl, Rittenhouse St, Byrd St, 18th St | $216,000 | $190,000 | $200,000-$250,000 | $144,000 | $120,000 | $125,000-$150,000 |
| Old Boonsboro Rd, Oxford St, Glencove Pl, Staunton St, Geppetto Way, Georgia Ave, Landover Pl, Greenview Dr, Bristol St, Ravenwood Dr | $105,000 | $90,000 | $100,000-$125,000 | $76,000 | $60,000 | $75,000-$100,000 |
| Fleetwood Dr, Settlement Dr, Roundelay Cir, Diamond St, Lucado Pl, Callaham St, Pearson Dr, Running Cedar Way, Fairview Ave, Brevard St | $213,500 | $190,000 | $200,000-$250,000 | $128,000 | $110,000 | $100,000-$125,000 |
| Wyndsong Pl, Ves Rd, Wards Rd, Leesville Rd, Shaffer St, Parkwood Ave, Wards Rd, Westmoreland St, Westwood Ave, Raiford Cir | $206,000 | $190,000 | $175,000-$200,000 | $148,000 | $120,000 | $150,000-$175,000 |
Estimate your Savings with Home Insurance Discounts in Lynchburg, VA | Back to Top
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$140 | $598 |
| Superior Protection Discount | -$66 | $672 |
| Fire & Security Discount | -$59 | $679 |
| Hail Resistant Roof Discount | -$15 | $723 |
| Newly Constructed Home Discount | -$214 | $524 |
Choose your Lynchburg, VA Home Insurance Coverage for your Specific Claim Requirement | Back to Top
| Claim Type | Average Claim Cost |
|---|---|
| General Claims | |
| Water Damage | $5,794 |
| Physical Damage | $2,537 |
| Hail Damage | $4,618 |
| Wind Damage | $6,178 |
| Expensive Claims | |
| Fire | $43,782 |
| Smoke | $16,887 |
Compare Rates for Lynchburg, VA Home Insurance Providers | Back to Top
| Place | Typical Home Value | Typical Home Insurance Costs | 25th Percentile | 75th Percentile | Potential Savings & Difference between 25th & 75th Percentile |
|---|---|---|---|---|---|
| Virginia | $255,800 | $952 | $690 | $1,310 | $620 |
| Amherst, VA | $163,600 | $789 | $540 | $1,130 | $590 |
| Lynchburg, VA | $153,800 | $738 | $540 | $1,050 | $510 |
| Motley, VA | $86,800 | $485 | $330 | $670 | $340 |
| Arrington, VA | $140,300 | $719 | $520 | $1,020 | $500 |
| Troutville, VA | $189,200 | $849 | $580 | $1,170 | $590 |
| Callands-Gretna, VA | $115,700 | $581 | $400 | $830 | $430 |
| Hollins, VA | $193,900 | $722 | $510 | $1,000 | $490 |
| Hampden-Sydney, VA | $188,100 | $847 | $570 | $1,190 | $620 |
| Cave Spring, VA | $200,300 | $732 | $500 | $1,010 | $510 |
Research Home Insurance Companies Reviews in Lynchburg, VA Before Buying | Back to Top
Share a review on your home insurance company
State Farm Home Insurance Reviews
Date: September 18, 2019 Age: 20 to 29 Gender: Female Marital Status: Unmarried
Customer Service
I would give them a 5. Anytime we have a question a live agent is always available and has knowledge they need to do their job.
Date: July 25, 2019 Age: 30 to 39 Gender: Female Marital Status: Unmarried
Premium
I actually did some intensive research before I went with state farm, I was honestly trying to find the cheapest plan I could get and told the salesperson that and he was able to get me a good deal.
Erie Insurance Home Insurance Reviews
Date: August 13, 2019 Age: 20 to 29 Gender: Male Marital Status: Unmarried
Premium
our premium is currently lower than what we had been paying. When we were looking to switch companies, I evaluated 5+ companies. Of all of them, Erie provided us the lowest and best rate.