Bedford Insurance Rates:

Bedford, VA homeowners insurance is nearly $601 to $821, about $50-$68/month. Our exhaustive guide shows customers can save upto $284 by comparing different quotes. Enter your zipcode below and click “GO” to get multiple free quotes.

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Bedford, VA Homeowners Insurance By Home Value

Bedford, VA Home Value Total Homes % of Total Average Bedford, VA Homeowners Insurance
Less than $50,000 145 9.0% $120
$60,000 to $69,999 20 1.0% $326
$70,000 to $79,999 41 2.0% $376
$80,000 to $89,999 96 6.0% $426
$90,000 to $99,999 121 7.0% $475
$100,000 to $124,999 234 15.0% $553
$125,000 to $149,999 258 16.0% $695
$150,000 to $174,999 297 19.0% $816
$175,000 to $199,999 57 3.0% $944
$200,000 to $249,999 173 11.0% $1136
$250,000 to $299,999 35 2.0% $1391
$300,000 to $399,999 50 3.0% $1767

Top Home Insurance Agents Near Bedford, VA

Home Insurance Company Near Bedford, VA Homeowners Insurance Agency Near Bedford, VA Address
NA Thurman Enterprises Ltd 530 Tanyard Rd , Rocky Mount, VA, 24151
Liberty Mutual Independent Bb&T - Barger Insurance-Cov P O Box 390 , Covington, VA, 24426
Liberty Mutual Independent Chas Lunsford Sons & Assoc 16 CHURCH AVE SE, ROANOKE, VA, 24011
Liberty Mutual Independent Humphrey Stump & Haynie Ins - Salem 100 E Main St, SALEM, VA, 24153
Allstate Stuart L. Thomas 101 Cleveland Ave Ste 2, Martinsville, VA, 24112

Cost Of Homeowners Insurance By Street Near Bedford, VA

Streets in Bedford Area Homeowners Insurance Cost
Grandview Rd, Court St, W Cook St, Oakcrest St, Maiden Ln, Ashland Ave, E Main St, Lakeview Ln, Walnut St Exd, Grand Arbre Dr$713
Walnut St, W Main St, Woodhaven Dr, Burwell Way, Ridge St, Cheatham Park Dr, W Federal St, Panarama Ln, Westview Ave, Quarles St$712
Venture Blvd, Link Rd, Spruce St, Gum St, Ridgewood Dr, Center St, Summit St, N Hills Dr, State Rte 43, Cedar Hill Ct$709
Venable St, Nichols Rd, North St, McGhee St, Abrasive Ave, Wilson St, Pinecrest Ave, Westchester St, W King St, 3rd St$711
Smith St, Mustang Rd, Hampton Ridge, Colonial Ln, Independence Blvd, Brunmore Ct, Commerce St, Edmond St, Newton Cir, N Bridge St$709

Bedford, VA Home Insurance Savings For Senior Occupied Homes

PlaceSavings For Senior Occupied Homes
Bedford$106 to $109
Bedford County$109
Peaks$106
Lakes$108

Bedford, VA Auto & Homeowners Insurance Bundling Discounts

Place 1 Car Bundle Savings On Insurance 2 Car Bundle Savings On Insurance 3 Car Bundle Savings On Insurance
Bedford County, Virginia $109 $145 $218
Peaks district, Bedford County, Virginia $107 $142 $213
Lakes district, Bedford County, Virginia $108 $144 $216

Bedford, VA Area Home Insurance as a % of Housing Cost

PlaceHome insurance as a % of housing cost for homes with mortgageHome insurance as a % of housing cost for homes without mortgage
Bedford, VA5.2%16.1%
Bedford County4.68%18.78%
Peaks5.8%20.78%
Lakes5.29%18.07%

Bedford Renters Insurance as a Percentage of Rent

Bedford Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
$200 to $299 57 6.0% $800
$300 to $499 163 18.0% $1250
$500 to $749 493 54.0% $1925
$750 to $999 151 16.0% $2675
$1,000 to $1,499 33 3.0% $3800

Bedford, VA Home Insurance Costs With Deductible Scenario

Low DeductibleHigh Deductible
Deductible$1,300$3,300
Yearly Bedford Homeowner Insurance Premium Example $1,700$1,200
Out of Pocket Expense During Claim$1,300$3,300
Total Home Insurance Premium for 6 years + Out of Pocket Expense for Claim $11,500$10,500
Net Savings to Bedford Home Owner from High Deductible Plan $1,000

Bedford, VA Home Insurance Costs With Home Replacement Value Scenarios

Scenario Bedford, VA Home Replacement Value MORE than Home Value Bedford, VA Home Replacement Value LESS than Home Value
Replacement Value $162,500 $124,500
Insurance Premium based on Replacement Value $675 $500
Risk Exposure from Under Insuring Coverage Unnecessary Home Insurance Coverage of $15,500 Risk Exposure from Under Insuring Coverage is $22,500
Premium Impact Insurance cheaper by $100/year Insurance costlier by $75/year

Example Bedford Homeowners Insurance Comparison Table to Compare The Cheapest Quotes

Insurance Company GEICO InsuranceErie InsuranceLiberty Mutual
Monthly Premium 41103137
Year Built 198219981941
Home Details 3 Beds, 2 Baths4 Beds, 1 Baths5 Beds, 1 Baths
Coverage Amount $100000-$125000$300000-$350000$350000-$400000
Deductible $2500-$5000 Deductible$1000-$2500 Deductible$500 Deductible

Sample Home Insurance Rates for Bedford, VA from Consumer Reviews & Surveys

Year Built Home Value Roof Type Sqft Number of Bedrooms Deductible Premium Premium Months Siding Type Smoker/Non Smoker
1993 210,000 Wood Shake Roof 2,400 5 > $10,000 Deductible 480 9 Stucco siding No
1971 170,000 Membrane Roof 2,380 4 $5000 to $10,000 Deductible 210 5 Stone Siding No
1981 260,000 Slate Shingles Roof 2,740 5 > $10,000 Deductible 150 3 Vinyl siding No
1964 95,000 Composition Roof 1,200 3 $500- $1000 Deductible 150 3 Wood siding yes
1965 95,000 Tile Roof 1,230 3 $2500-$5000 Deductible 120 4 Brick siding yes
1968 445,000 Metal Roof 4,700 5 $2500-$5000 Deductible 120 1 Brick siding No
1966 225,000 Slate Shingles Roof 2,200 3 > $10,000 Deductible 600 10 Fiber-Cement Siding No
1987 120,000 Composition Roof 1,640 4 $500- $1000 Deductible 260 7 Wood siding yes
1978 150,000 Metal Roof 1,710 4 $5000 to $10,000 Deductible 230 5 Fiber-Cement Siding No
1992 485,000 Asphalt Shingles Roof 4,830 5 $500 Deductible 1230 7 Fiber-Cement Siding No
1973 145,000 Metal Roof 1,840 3 $2500-$5000 Deductible 100 3 Stone Siding yes
1985 100,000 Wood Shake Roof 1,370 3 $2500-$5000 Deductible 60 2 Stucco siding No
1996 130,000 Composition Roof 1,610 4 $2500-$5000 Deductible 210 6 Fiber-Cement Siding yes
1968 325,000 Wood Shake Roof 3,710 5 $500 Deductible 1910 12 Brick siding No
1969 95,000 Slate Shingles Roof 1,320 3 $500- $1000 Deductible 410 10 Vinyl siding No
1974 230,000 Slate Shingles Roof 2,530 5 $5000 to $10,000 Deductible 140 2 Wood siding No
1940 165,000 Tile Roof 2,170 3 $1000-$2500 Deductible 640 12 Stucco siding No
1968 105,000 Slate Shingles Roof 1,240 3 $1000-$2500 Deductible 460 12 Brick siding No
1989 240,000 Slate Shingles Roof 2,360 4 $500- $1000 Deductible 580 6 Fiber-Cement Siding No
1947 105,000 Asphalt Shingles Roof 1,280 3 $500- $1000 Deductible 70 2 Wood siding yes
1976 230,000 Composition Roof 2,380 4 $5000 to $10,000 Deductible 900 12 Stucco siding yes
1997 160,000 Tile Roof 1,940 3 $5000 to $10,000 Deductible 240 5 Stucco siding yes
1987 245,000 Wood Shake Roof 2,370 3 $500- $1000 Deductible 90 1 Brick siding yes
1995 425,000 Wood Shake Roof 4,310 5 $1000-$2500 Deductible 1130 8 Vinyl siding No
1963 170,000 Membrane Roof 2,020 4 $1000-$2500 Deductible 70 1 Fiber-Cement Siding No
1942 165,000 Asphalt Shingles Roof 1,890 4 $5000 to $10,000 Deductible 580 12 Wood siding No
1973 120,000 Wood Shake Roof 1,210 3 $2500-$5000 Deductible 200 4 Stucco siding yes
1943 170,000 Shingles Roof 1,920 5 $500- $1000 Deductible 880 12 Stucco siding yes
1995 385,000 Wood Shake Roof 4,270 5 $500 Deductible 700 5 Stone Siding No
1972 300,000 Membrane Roof 3,390 4 > $10,000 Deductible 590 9 Brick siding yes
1949 115,000 Metal Roof 1,360 3 $500 Deductible 760 12 Fiber-Cement Siding yes
1989 115,000 Membrane Roof 1,390 3 $500 Deductible 260 8 Wood siding yes
1949 190,000 Membrane Roof 2,160 4 $500- $1000 Deductible 690 10 Brick siding yes
1962 300,000 Shingles Roof 4,050 5 $2500-$5000 Deductible 980 9 Brick siding No