Charlottesville Insurance Rates:

Charlottesville, VA homeowners insurance is roughly $641 to $872, about $53-$72/month. Our thorough analysis indicates shoppers can save upto $302 by getting many quotes. Enter your zipcode below and click “GO” to get multiple free quotes.

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Latest Home Insurance Reviews

Westfield Insurance
The adjuster who came to my property was timely, professional and turned around my claim request in a short period of time. i felt like he was working with my interests in mind and provided a fair quote for repairs.
Travelers Insurance
I use travelers through geico. there's not a good interface between them, so the process can take extra time to get through and talk with someone when i need help.
Agi
What i really like about agi insurance is that they offer you the ability to set up auto payments so you do not forget that payment and your insurances does not lapse.

Charlottesville, VA Homeowners Insurance By Home Value

Charlottesville, VA Home Value Total Homes % of Total Average Charlottesville, VA 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

Top Home Insurance Agents Near Charlottesville, VA

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

Cost Of Homeowners Insurance By Street Near Charlottesville, VA

Streets in Charlottesville Area Homeowners Insurance Cost
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 Savings For Senior Occupied Homes

PlaceSavings For Senior Occupied Homes
Charlottesville$113 to $115
University of Virginia$113
Pantops$114
Albemarle County$115

Charlottesville, 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
Pantops CDP, Virginia $95 $127 $190
Albemarle County, Virginia $96 $128 $192
Jack Jouett district, Albemarle County, Virginia $97 $129 $193

Charlottesville, 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
Charlottesville, VA3.8%12.6%
University of Virginia3.44%9.29%
Pantops3.66%16.67%
Albemarle County3.64%13.44%

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

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

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

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

Year Built Home Value Roof Type Sqft Number of Bedrooms Deductible Premium Premium Months Siding Type Smoker/Non Smoker
2007 340,000 Membrane Roof 2,820 4 $5000 to $10,000 Deductible 490 7 Vinyl siding No
2006 310,000 Shingles Roof 2,510 4 $2500-$5000 Deductible 500 7 Vinyl siding No
1972 380,000 Composition Roof 2,220 4 > $10,000 Deductible 650 8 Stone Siding yes
1974 230,000 Metal Roof 1,310 2 $5000 to $10,000 Deductible 400 6 Wood siding No
1944 250,000 Wood Shake Roof 1,520 2 > $10,000 Deductible 130 3 Fiber-Cement Siding No
1975 205,000 Shingles Roof 1,510 3 $500- $1000 Deductible 530 6 Brick siding yes
1989 660,000 Metal Roof 4,500 5 $500- $1000 Deductible 1520 6 Vinyl siding yes
1943 235,000 Tile Roof 1,880 3 $2500-$5000 Deductible 700 7 Brick siding No
1972 300,000 Tile Roof 2,230 5 $500- $1000 Deductible 90 1 Wood siding yes
1975 275,000 Slate Shingles Roof 2,080 4 $500 Deductible 1010 9 Stucco siding yes
1968 330,000 Tile Roof 2,470 4 $1000-$2500 Deductible 420 3 Stucco siding No
1970 405,000 Membrane Roof 2,250 3 $5000 to $10,000 Deductible 1040 7 Stone Siding yes
1966 150,000 Metal Roof 1,120 2 $500 Deductible 60 1 Brick siding No
1953 335,000 Composition Roof 2,116 3 $1000-$2500 Deductible 520 4 Fiber-Cement Siding yes