Fort Chiswell Insurance Rates:

Fort Chiswell, VA home insurance is about $595 to $813, about $49-$67/month. Our thorough analysis indicates shoppers can save upto $281 by getting many quotes

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Fort Chiswell Home Owner Insurance Quotes | Write a Review | Rates & Quotes Analysis
GEICO Insurance
Home Insurance Rate of $910/6 months for $350000-$400000 Coverage
Policy Holder Home Details :

Home Value : $335,000

5 Beds, 5 Bath 3650 sqft Seasonal Residence Constructed In 2007 with Linoleum, Wood Shake Roof, Chainwall Foundation, Vinyl siding, Metal Frame Construction. Home Features Include Fireplace, Fire Extinguisher, Smoke Alarm, Central Air Conditioning, Circuit Breaker Electricals and Security by Monitoring Company

About Policy Holder:

62 Years old Married Male who is Retired with household income of less than $25,000 and has 3 Pets and is a Smoker

Additional Details :
  • 0-25% through paying our mortgage

  • 750-799 Credit Score

  • Seniors staying at home

  • Guests at home

Home Insurance Rate of $530/4 months for $250000-$300000 Coverage
Policy Holder Home Details :

Home Value : $240,000

4 Beds, 4 Baths 3140 sqft Vacation Property Constructed In 1956 with Carpet over wood flooring, Composition Roof, Slab Foundation, Vinyl siding, Metal Frame Construction. Home Features Include Central Air Conditioning, Indoor Sprinklers, Copper Water Pipes, Swimming Pool, Circuit Breaker Electricals and Security by Monitoring Company

About Policy Holder:

66 Years old Single Female who has a Part Time Job with household income of less than $25,000 and has 1 Pet and is a Smoker

Additional Details :
  • 50-75% Mortgage Paid off

  • 700-749 Credit Score

  • Guests at home

Home Insurance Rate of $370/5 months for $250000-$300000 Coverage
Policy Holder Home Details :

Home Value : $250,000

5 Beds, 5 Baths 3660 sqft Seasonal Residence Constructed In 1944 with Wood Flooring, Composition Roof, Crawl Space Foundation, Wood siding, Metal Frame Construction. Home Features Include Deadbolt Locks, Swimming Pool, Copper Water Pipes, FuseBox Electricals and Security by Monitoring Company

About Policy Holder:

63 Years old Divorced Male who is Unemployed with household income of less than $25,000 and has No Pets and is a Non-Smoker

Additional Details :
  • 75-100% Mortgage Paid off

  • 750-799 Credit Score

Home Insurance Rate of $380/6 months for $125000-$150000 Coverage
Policy Holder Home Details :

Home Value : $115,000

3 Beds, 3 Baths 1370 sqft Rental Property Constructed In 1956 with Linoleum, Asphalt Shingles Roof, Crawl Space Foundation, Fiber-Cement Siding, Wood Frame. Home Features Include Fireplace, Fire Extinguisher, Deadbolt Locks, Smoke Alarm, FuseBox Electricals and Security by Monitoring Company

About Policy Holder:

28 Years old Married Male who is a Freelancer with household income of $25-50,000 and has 3 Pets and is a Smoker

Additional Details :
  • 50-75% Mortgage Paid off

  • 800-850 Credit Score

Home Insurance Rate of $80/2 months for $100000-$125000 Coverage
Policy Holder Home Details :

Home Value : $105,000

3 Beds, 3 Bath 1590 sqft Vacation Property Constructed In 1942 with Linoleum, Wood Shake Roof, Piers Foundation, Fiber-Cement Siding, Brick Frame. Home Features Include Swimming Pool, Smoke Alarm, Indoor Sprinklers, Deadbolt Locks, FuseBox Electricals and Security by Monitoring Company

About Policy Holder:

72 Years old Single Male who has a Part Time Job with household income of less than $25,000 and has More than 3 Pets at home and is a Non-Smoker

Additional Details :
  • 0-25% through paying our mortgage

  • 500-549 Credit Score

  • Seniors staying at home

Home Insurance Rate of $150/2 months for $200000-$250000 Coverage
Policy Holder Home Details :

Home Value : $215,000

5 Beds, 5 Bath 3190 sqft Seasonal Residence Constructed In 1942 with Linoleum, Tile Roof, Crawl Space Foundation, Wood siding, Brick Frame. Home Features Include Central Air Conditioning, Fireplace, Copper Water Pipes, FuseBox Electricals and Security by Monitoring Company

About Policy Holder:

23 Years old Married Male who has a Part Time Job with household income of $25-50,000 and has 3 Pets and is a Non-Smoker

Additional Details :
  • 75-100% Mortgage Paid off

  • 750-799 Credit Score

  • Guests at home

Home Insurance Rate of $850/9 months for $250000-$300000 Coverage
Policy Holder Home Details :

Home Value : $335,000

5 Beds, 5 Bath 4250 sqft Rental Property Constructed In 2003 with Ceramic Tile Flooring, Membrane Roof, Slab Foundation, Stone Siding, Stucco Construction. Home Features Include Central Air Conditioning, Swimming Pool, FuseBox Electricals and Security by Monitoring Company

About Policy Holder:

39 Years old Single Female who is Unemployed and has More than 3 Pets at home and is a Non-Smoker

Additional Details :
  • 0-25% through paying our mortgage

  • Up to 499 Credit Score

  • Seniors staying at home

Home Insurance Rate of $500/6 months for $300000-$350000 Coverage
Policy Holder Home Details :

Home Value : $390,000

5 Beds, 5 Baths 4670 sqft Primary Residence Constructed In 2014 with Carpet over wood flooring, Tile Roof, Slab Foundation, Stone Siding, Stucco Construction. Home Features Include Deadbolt Locks, Fireplace, Swimming Pool, Circuit Breaker Electricals and Security by HomeOnly

About Policy Holder:

71 Years old Single Female who has a Full Time Job with household income of $100-$150,000 and has 1 Pet and is a Non-Smoker

Additional Details :
  • 25-50% Mortgage Paid off

  • 650-699 Credit Score

Home Insurance Rate of $550/8 months for $150000-$175000 Coverage
Policy Holder Home Details :

Home Value : $145,000

3 Beds, 3 Bath 2090 sqft Seasonal Residence Constructed In 1986 with Carpet over wood flooring, Tile Roof, Chainwall Foundation, Vinyl siding, Wood Frame. Home Features Include Central Air Conditioning, FuseBox Electricals and Security by HomeOnly

About Policy Holder:

39 Years old Married Female who has a Part Time Job with household income of $25-50,000 and has 3 Pets and is a Non-Smoker

Additional Details :
  • 50-75% Mortgage Paid off

  • 700-749 Credit Score

Home Insurance Rate of $260/6 months for $100000-$125000 Coverage
Policy Holder Home Details :

Home Value : $125,000

3 Beds, 3 Bath 1720 sqft Vacation Property Constructed In 2007 with Linoleum, Membrane Roof, Chainwall Foundation, Stone Siding, Metal Frame Construction. Home Features Include Copper Water Pipes, FuseBox Electricals and Security by HomeOnly

About Policy Holder:

64 Years old Divorced Female who has a Full Time Job with household income of $50-$75,000 and has More than 3 Pets at home and is a Smoker

Additional Details :
  • 75-100% Mortgage Paid off

  • 750-799 Credit Score

  • Seniors staying at home

  • Guests at home

Fort Chiswell Rates & Quotes Analysis:

Fort Chiswell Area Estimated House Insurance
State Rte 94, Moss Ln, Davidson Rd, State Rte 619, Aldengate Rd, Brigstock Dr, Baytree Ln, Columbia Ave, W Franklin St, Pump Hollow Rd$701
Spruce Dr, Circle Dr, Jewell Ln, Meadow View Ln, Blue Sky Dr, Rose Rd, State Rte 634, State Rte 608, Muskrat Rd, Harmon Rd$695
Peachtree Ln, Fox Den, Greenbriar Rd, Dungeon Spring Rd, S 11th St, Malin Dr, Cypress Ln, S 1st St, Simmerman Hollow, Breezy Estates Dr$697
Stroupe Mnt Rd, State Rte 1010, State Rte 621, State Rte 642, Floyd Ave, Wilkins Ln, State Rte 632, Slabtown Rd, Sheffey Sch Rd, S 4th St$705
Ashbrook Ln, Lavender Dr, Grayson Tpke, Kings Chapel Rd, State Rte 687, State Rte 69, S 7th St, State Rte 743, Depot Rd, Gingerbread Ln$698

Insurance rates are influenced by a number of factors including:

  • Year Built: 343 Homes (14% of total homes ) built between 1970 to 1979 in Fort Chiswell are paying home insurance between $1,141-$1,152. Places close to Fort Chiswell, VA such as Massie, West Wytheville, Cloyd are more expensive by $10, $14, $13 respectively while Lead Mines and Robinson are cheaper by $13 and $16 respectively for similar homes.
  • Bedrooms: 1,406 3 bedrooms homes (59% of total homes ) in Fort Chiswell are paying about $451. Areas near to Fort Chiswell such as Oakvale(WV), Bluefield(WV), Riner are costlier by $464, $479, $30 respectively whereas Max Meadows and Lead Mines are more economical by $17, $12 respectively for similar homes.
  • Auto Insurance Bundling: 457 Households (31% of all households) in Fort Chiswell have 3 or more vehicles available and when it is bundled with home insurance you can save $176 and differs from Lead Mines ($174), East Wytheville ($176), Robinson ($173).
  • Senior Discounts: 868 seniors (more than 55 years) occupied housing units (60% of total) in Fort Chiswell get discounts between $105 to $108. The comparative concessions in proximate regions such as Max Meadows, Lead Mines and East Wytheville are $103, $104 and $105 respectively.
  • New Homes discounts: New homes such as the 957 homes built between 2000 to 2009 in Fort Chiswell can save $140 and similar new home insurance discounts in nearby towns and cities like Max Meadows, Lead Mines and East Wytheville are $137, $139 and $141 respectively.

Fort Chiswell Homeowners insurance Facts

  • Fort Chiswell, VA has 1,446 owner occupied houses which is 75.5% of all units whereas Max Meadows, Lead Mines and East Wytheville have 56.49%, 80.2% and 57.36% respectively.
  • Fort Chiswell, VA homeowners yearly insurance price at $704 is 0.59% of the typical house value of $119,900 which is in contrast with 0.98% in Max Meadows, 0.74% at Lead Mines & 0.56% in East Wytheville.
  • Homeowners in Fort Chiswell, VA pay 3.13% of their income ($20,000 to $24,999) in insurance whereas homeowners in Max Meadows, Lead Mines and East Wytheville pay 3.06%, 3.09% and 3.14% respectively.
  • Fort Chiswell, VA’s insurance is 6.7% of monthly housing costs of $871/month, for owners with a mortgage compared to 8.24% in Max Meadows, 6.32% at Lead Mines & 5.81% in East Wytheville. But, for households without a mortgage, insurance is 23.7% of costs ($248 in Fort Chiswell, VA) in contrast with 18.44% in Max Meadows, 25.22% at Lead Mines & 22.29% in East Wytheville.

Fort Chiswell, VA Home Values & Insurance rates

For example, insurance for 222 Homes (15.0% of total homes ) valued between $125,000 to $149,999 in Fort Chiswell, VA is about $802. Rates in nearby areas in such as East Wytheville, Wytheville, Pulaski County are cheaper by $40, $73, $53 respectively while Max Meadows and Lead Mines are costlier by $539 and $214 respectively for similar homes.

Fort Chiswell, VA Home By Value Total Homes % of Total Average Homeowners Insurance
Less than $50,000 196 13.0% $140
$50,000 to $59,999 75 5.0% $302
$60,000 to $69,999 17 1.0% $380
$70,000 to $79,999 62 4.0% $436
$80,000 to $89,999 81 5.0% $492
$90,000 to $99,999 80 5.0% $556
$100,000 to $124,999 266 18.0% $640
$125,000 to $149,999 222 15.0% $802
$150,000 to $174,999 176 12.0% $950
$175,000 to $199,999 47 3.0% $1098
$200,000 to $249,999 80 5.0% $1323
$250,000 to $299,999 44 3.0% $1612
$300,000 to $399,999 81 5.0% $2048

Renters Insurance in Fort Chiswell

  • Average Renters Insurance in Fort Chiswell :  $215($17/month)

  • Median Gross Rent in Fort Chiswell :  $604

  • Fort Chiswell Renters Insurance to Median Rent Ratio:  2.81%

  • Average household size of renter-occupied unit :  2.92

Fort Chiswell Renters Insurance as a Percentage of Rent

Fort Chiswell Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
$300 to $499 23 10.0% $1253
$500 to $749 134 60.0% $1928
$750 to $999 51 23.0% $2678
$1,000 to $1,499 12 5.0% $3803

Rent Affordability in Fort Chiswell:

Approximately 58.0% (273) of households are spending more than 35% of their income on gross rent in Fort Chiswell

Occupied units paying gross rent Total Households % of Total
Less than 15.0 percent 85 18.0%
15.0 to 19.9 percent 53 11.0%
20.0 to 24.9 percent 12 2.0%
25.0 to 29.9 percent 19 4.0%
30.0 to 34.9 percent 28 5.0%
35.0 percent or more 273 58.0%

Fort Chiswell Renters Insurance Discounts:

Fort Chiswell Renters Insurance Discounts by Number of Vehicles in Renter Occupied Housing Units

Number of Vehicles in Fort Chiswell, VA Number of Housing Units % of Total Renters Insurance Insurance Savings by Bundling Auto Insurance
1 vehicle available 185 39.0% $21.5
2 vehicles available 243 51.0% $32.25
3 or more vehicles available 29 6.0% $43.0

Fort Chiswell Senior Citizen Discounts:

Age Senior Occupied Housing Units % of Total Discount offered
55 to 59 years 14 2.0% $60
60 to 64 years 76 16.0% $48
65 to 74 years 21 4.0% $39
75 years and over 82 17.0% $30

Protective device discount in Fort Chiswell Up to :  $32

Claims-free discount in Fort Chiswell Up to :  $43