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.
| 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 |
| 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 |
| Place | Home insurance as a % of housing cost for homes with mortgage | Home insurance as a % of housing cost for homes without mortgage |
|---|---|---|
| Charlottesville, VA | 3.8% | 12.6% |
| University of Virginia | 3.44% | 9.29% |
| Pantops | 3.66% | 16.67% |
| Albemarle County | 3.64% | 13.44% |
| 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 |
| 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 |
| Place | Savings For Senior Occupied Homes |
|---|---|
| Charlottesville | $113 to $115 |
| University of Virginia | $113 |
| Pantops | $114 |
| Albemarle County | $115 |
| Low Deductible | High 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 | |
| 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 |
| Insurance Company | Erie Insurance | Amica Mutual Insurance Company | Farmers Insurance |
| Monthly Premium | 97 | 258 | 106 |
| Year Built | 2011 | 1948 | 2008 |
| Home Details | 2 Beds, 1 Baths | 5 Beds, 1 Baths | 3 Beds, 2 Baths |
| Coverage Amount | $200000-$250000 | $500000-$600000 | $300000-$350000 |
| Deductible | $500- $1000 Deductible | $500- $1000 Deductible | $2500-$5000 Deductible |