Chester Insurance Rates:

Chester, VA homeowners insurance is approximately $624 to $845, about $52-$70/month. Our thorough analysis indicates shoppers can save as much as $293 by comparing multiple quotes. Enter your zipcode below and click “GO” to get multiple free quotes.

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Latest Home Insurance Reviews

Metlife
The voluntary work benefits and provides an employee retention tip for new buyers. it is affordable and easy to apply.
Metlife
There are not many coupons or special deals, so you have to pay all of the expenses mostly out of pocket.
Safeco Insurance
2 years ago, i had a car accident. the insurance company called me next day and advised me where to go to fix my car and what to do to after accident. their claim department process was also super fast. very satisfactory.
State Farm
They are friendly. You never feel rushed. They always take time to answer all your questions. Easy to get in contact with don't give you the runaround,
Erie Insurance
I feel like the premium I pay is decent. I don't really know the premiums offered by other companies as this is my first home. I didn't really shop around for coverage either. I went to an agent that told me which companies would offer me the best value. I would guess this is pretty decent coverage with a good price.
Liberty Mutual
I like them because they charge a good premium and are a well-respected company. That is all I can say for them.
Allstate
We often get letters in the mail to buy additional insurance such as life insurance. I am not interested in these, but they keep sending. Once a year, they offer a review, but I think it's just an opportunity for them to upsell.

Chester, VA Homeowners Insurance By Home Value

Chester, VA Home Value Total Homes % of Total Average Chester, VA Homeowners Insurance
Less than $50,000 355 7.0% $80
$50,000 to $59,999 52 1.0% $176
$100,000 to $124,999 158 3.0% $374
$125,000 to $149,999 241 4.0% $462
$150,000 to $174,999 632 12.0% $550
$175,000 to $199,999 627 12.0% $638
$200,000 to $249,999 1,410 27.0% $763
$250,000 to $299,999 985 19.0% $939
$300,000 to $399,999 513 10.0% $1189

Top Home Insurance Agents Near Chester, VA

Home Insurance Company Near Chester, VA Homeowners Insurance Agency Near Chester, VA Address
NA Total Insurance Planning Llc 4501 Cox Rd , Glen Allen, VA, 23060
NA Prime Ins Grp Llc 8609 Mayland Dr, Henrico, VA, 23294
Travelers Chappell Ins Agency Inc 25807-A COX RD, PETERSBURG, VA, 23803
Travelers Hill And Roussy Inc 621 TWIN RIDGE LANE, RICHMOND, VA, 23235
Travelers Short Pump Insurance Llc 11175 Ridgefield Parkway Suite 108, Henrico, VA, 23233

Cost Of Homeowners Insurance By Street Near Chester, VA

Streets in Chester Area Homeowners Insurance Cost
Riviera Ct, Salem Oaks Dr, Chester Village Dr, Surry Pl, Krag Rd, Laughlin Way, Rushton Rd, Treadwood St, Stilton Dr, Arbor Landing Dr$748
Bethesda Dr, Forest Lake Rd, Woodbridge Ct, Boyd Rd, Holly Hill Ct, Lawndale St, Woodside Rd, Drayton Rd, Elokomin Ave, Thornsett Dr$728
Beaumont Ave, Hamilton Dr, Hamlin Dr, Coxendale Rd, Kelsey Pointe Ct, Metro Ct, Ramona Ave, Ransom Hills Rd, Bel Lac Dr, Ludgate Ct$732
Warfield Estate Dr, Shady Ln, Ivey Ln, Reflections Pt Rd, Maria Dr, Bethesda Ct, Cresswell Rd, Buxton Dr, Walnut Cove Ct, Ecoff Ave$729
Wonderview Dr, Petersburg St, Ironbridge Pl, Grantshire Rd, Grove Pl, Thornsett Ln, Ironbridge Blvd, Wellington Cross Way, N Cresthill Ct, Hamlin Ct$738

Chester, VA Home Insurance Savings For Senior Occupied Homes

PlaceSavings For Senior Occupied Homes
Chester$109 to $112
Bermuda$110
Bellwood$106
Meadowbrook$109

Chester, 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
Bermuda district, Chesterfield County, Virginia $92 $123 $184
Bellwood CDP, Virginia $89 $118 $177
Meadowbrook CDP, Virginia $91 $121 $181

Chester, 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
Chester, VA3.9%13.0%
Bermuda3.76%13.78%
Bellwood5.24%14.6%
Meadowbrook4.15%14.25%

Chester Renters Insurance as a Percentage of Rent

Chester Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
Less than $200 28 1.0% $339
$200 to $299 64 2.0% $789
$300 to $499 138 5.0% $1239
$500 to $749 354 14.0% $1914
$750 to $999 832 33.0% $2664
$1,000 to $1,499 807 32.0% $3789
$1,500 or more 290 11.0% $5439

Chester, VA Home Insurance Costs With Deductible Scenario

Low DeductibleHigh Deductible
Deductible$1,900$2,900
Yearly Chester Homeowner Insurance Premium Example $1,100$900
Out of Pocket Expense During Claim$1,900$2,900
Total Home Insurance Premium for 8 years + Out of Pocket Expense for Claim $10,700$10,100
Net Savings to Chester Home Owner from High Deductible Plan $600

Chester, VA Home Insurance Costs With Home Replacement Value Scenarios

Scenario Chester, VA Home Replacement Value MORE than Home Value Chester, VA Home Replacement Value LESS than Home Value
Replacement Value $245,000 $164,000
Insurance Premium based on Replacement Value $1,425 $950
Risk Exposure from Under Insuring Coverage Unnecessary Home Insurance Coverage of $49,000 Risk Exposure from Under Insuring Coverage is $32,000
Premium Impact Insurance cheaper by $200/year Insurance costlier by $275/year

Example Chester Homeowners Insurance Comparison Table to Compare The Cheapest Quotes

Insurance Company State FarmLiberty MutualFarmers Insurance
Monthly Premium 8493146
Year Built 197419942012
Home Details 3 Beds, 1 Baths4 Beds, 3 Baths5 Beds, 4 Baths
Coverage Amount $250000-$300000$400000-$500000$300000-$350000
Deductible $2500-$5000 Deductible$5000 to $10,000 Deductible$500- $1000 Deductible

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

Year Built Home Value Roof Type Sqft Number of Bedrooms Deductible Premium Premium Months Siding Type Smoker/Non Smoker
2006 365,000 Metal Roof 2,950 4 $500- $1000 Deductible 930 5 Wood siding yes
2009 410,000 Asphalt Shingles Roof 4,080 5 $500 Deductible 1500 8 Stone Siding yes
2002 340,000 Membrane Roof 2,710 4 $500- $1000 Deductible 1170 10 Fiber-Cement Siding No
1979 220,000 Asphalt Shingles Roof 2,270 4 $500 Deductible 450 4 Vinyl siding yes
2000 310,000 Shingles Roof 2,180 3 $2500-$5000 Deductible 1040 9 Vinyl siding No
1998 180,000 Asphalt Shingles Roof 1,680 3 $5000 to $10,000 Deductible 150 3 Vinyl siding No
1976 450,000 Metal Roof 3,160 5 $5000 to $10,000 Deductible 910 6 Fiber-Cement Siding yes
1991 410,000 Composition Roof 3,020 5 $5000 to $10,000 Deductible 580 4 Brick siding yes
1997 340,000 Composition Roof 3,240 4 > $10,000 Deductible 290 3 Fiber-Cement Siding yes
1970 135,000 Shingles Roof 1,300 3 $500- $1000 Deductible 300 5 Brick siding yes
2003 225,000 Asphalt Shingles Roof 2,390 4 $500- $1000 Deductible 460 6 Stone Siding No
1996 540,000 Membrane Roof 4,730 5 $500 Deductible 750 5 Stone Siding yes
2011 420,000 Asphalt Shingles Roof 3,000 4 $500- $1000 Deductible 170 1 Stone Siding No
2013 260,000 Composition Roof 1,990 5 $500- $1000 Deductible 1020 9 Vinyl siding yes
1988 475,000 Composition Roof 4,150 5 $500 Deductible 350 2 Vinyl siding No
1996 165,000 Metal Roof 1,240 3 $5000 to $10,000 Deductible 220 6 Brick siding No
2013 490,000 Asphalt Shingles Roof 4,590 5 > $10,000 Deductible 1090 12 Fiber-Cement Siding yes
2008 505,000 Composition Roof 4,960 5 $2500-$5000 Deductible 2600 12 Vinyl siding No
1983 205,000 Wood Shake Roof 1,570 5 $500- $1000 Deductible 190 2 Vinyl siding yes
1997 465,000 Shingles Roof 3,760 5 > $10,000 Deductible 910 7 Stucco siding No
1994 200,000 Tile Roof 2,000 3 $500- $1000 Deductible 150 2 Stucco siding yes
1977 200,000 Composition Roof 1,740 3 $1000-$2500 Deductible 110 2 Fiber-Cement Siding No
1980 220,000 Wood Shake Roof 1,850 3 > $10,000 Deductible 290 8 Fiber-Cement Siding No
2014 230,000 Composition Roof 2,190 3 $500- $1000 Deductible 820 8 Vinyl siding yes
2009 225,000 Metal Roof 2,100 4 $2500-$5000 Deductible 780 8 Vinyl siding yes
1980 190,000 Slate Shingles Roof 1,680 3 $5000 to $10,000 Deductible 60 1 Fiber-Cement Siding No
1974 345,000 Slate Shingles Roof 2,740 4 $1000-$2500 Deductible 390 3 Vinyl siding No
1985 365,000 Shingles Roof 3,020 4 $500- $1000 Deductible 670 4 Wood siding No
2007 180,000 Metal Roof 1,650 5 $1000-$2500 Deductible 80 1 Brick siding yes
1974 210,000 Asphalt Shingles Roof 2,080 4 $5000 to $10,000 Deductible 500 10 Stone Siding yes
1981 170,000 Shingles Roof 1,640 4 $2500-$5000 Deductible 50 1 Stucco siding yes