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Charlottesville, VA Home Values & Insurance Rates

Charlottesville, VA Home By Value Total Homes % of Total Average Homeowners Insurance
Less than $50,000 197 3.0% $60
$100,000 to $124,999 231 4.0% $287
$125,000 to $149,999 227 4.0% $362
$150,000 to $174,999 334 6.0% $423
$175,000 to $199,999 431 8.0% $491
$200,000 to $249,999 1,196 22.0% $589
$250,000 to $299,999 1,151 21.0% $725
$300,000 to $399,999 1,506 28.0% $922

Charlottesville Renters Insurance as a Percentage of Rent

Charlottesville Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
Less than $200 114 1.0% $328
$200 to $299 326 3.0% $778
$300 to $499 461 4.0% $1228
$500 to $749 1,657 16.0% $1903
$750 to $999 2,613 26.0% $2653
$1,000 to $1,499 3,160 31.0% $3778
$1,500 or more 1,585 15.0% $5428

Example Charlottesville Homeowners Insurance Comparison Table to Compare The Cheapest Quotes

Insurance Company Erie InsuranceAmica Mutual Insurance CompanyFarmers Insurance
Monthly Premium 97258106
Year Built 201119482008
Home Details 2 Beds, 1 Baths5 Beds, 1 Baths3 Beds, 2 Baths
Coverage Amount $200000-$250000$500000-$600000$300000-$350000
Deductible $500- $1000 Deductible$500- $1000 Deductible$2500-$5000 Deductible

Top Home Insurance Agents Near Charlottesville, VA

Home Insurance Company Near Charlottesville, VA Homeowners Insurance Agency Near Charlottesville, VA Address Distance from Charlottesville, VA (miles)
Travelers Bb&T Huffaker Insurance 113 S WAYNE ST, WAYNESBORO, VA, 22980 22.1
State Farm Bill Williams 201 Rosser Ave Ste 111, Waynesboro, VA, 22980-3512 22.8
Travelers Insurance Agency Services Llc 16832 W JAMES ANDERSON HWY, BUCKINGHAM, VA, 23921 35.0
Travelers Old Dominion Insurance Agency 1555 Commerce Road Verona, Staunton, VA, 24482 31.0
State Farm Rob Shirley 220 Frontier Dr Ste 6, Staunton, VA, 24401-9153 31.4


Estimated Home Insurance By Street Area Near Charlottesville, VA

Charlottesville Area Estimated House Insurance
Sunset Ave, Franklin St, 10 1/2 St NW, Bainbridge St, Little High St, Dice St, Nalle St, 11th St SW, Hardy Dr, Rosser Ave$769
Shasta Ct, Florence Rd, Old Farm Rd, Saint Clair Ave, Brandywine Dr, Grove Rd, Lambeth Ln, Rockcreek Rd, 7th St SW, Rugby Rd$872
Chesapeake St, Meade Ave, 15th St NW, Old Lynchburg Rd, Trailridge Rd, Gildersleeve Wood, Booker St, Avon St, Dublin Rd, 3rd St SE$756
Cameron Ln, Raymond Ave, St Charles Ave, Palatine Ave, Kensington Ave, Lafayette St, Hillwood Pl, Paoli St, 8th St NW, Galloway Dr$773
Palatine Ave, Wilson Ct, Jefferson St, Keith Valley Rd, Jefferson Park Ave, Hereford Dr, 6th St SE, Rugby Ave, 9th St NW, Preston Ave$711

Charlottesville, VA Home Insurance Costs With Deductible Scenario

Low DeductibleHigh Deductible
Deductible$700$2,700
Yearly Charlottesville Homeowner Insurance Premium Example $1,100$600
Out of Pocket Expense During Claim$700$2,700
Total Home Insurance Premium for 5 years + Out of Pocket Expense for Claim $6,200$5,700
Net Savings to Charlottesville Home Owner from High Deductible Plan $500

Charlottesville, VA Home Insurance Costs With Home Replacement Value Scenarios

Scenario Charlottesville, VA Home Replacement Value MORE than Home Value Charlottesville, VA Home Replacement Value LESS than Home Value
Replacement Value $264,000 $194,000
Insurance Premium based on Replacement Value $1,050 $775
Risk Exposure from Under Insuring Coverage Unnecessary Home Insurance Coverage of $39,500 Risk Exposure from Under Insuring Coverage is $30,500
Premium Impact Insurance cheaper by $125/year Insurance costlier by $150/year