Lynchburg Insurance Rates:

Lynchburg, VA homeowners insurance is about $605 to $820, about $50-$68/month. Our extensive guide reveals consumers can save as much as $285 by comparing different quotes. Enter your zipcode below and click “GO” to get multiple free quotes.

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Latest Home Insurance Reviews

Amica Mutual Insurance
When i have had claims with amica they claim was paid very quickly. this was especially impressive during hurricane harvey. i knew they were busy with so many claims. however, i still received prompt service.
Farmer's Insurance
This company is ripping me off big time, i did not increase my coverage but raised my rates for sure.
Goosehead Insurance
We got the best insurance deal we have ever had. we had no idea of how much money we could save by bundling our different needs.
Erie Insurance
I am able to contact my agent and get a response within an hour. It helps that my entire family uses this agent for insurance, therefore, he has become somewhat of a family friend. I can openly talk to him and get honest answers/opinions.
State Farm
I love everything about their customer service, they are helpful, kind, little to no wait time before someone comes on the phone to help you and always makes you feel relaxed
State Farm
It is a very solid company. I know that I can trust them to protect me and my family. So these things are not that important to the APP.
Allstate
Allstate has treated me and my family very well. My claims were taken care of quickly and without any hassles to me.

Lynchburg, VA Homeowners Insurance By Home Value

Lynchburg, VA Home Value Total Homes % of Total Average Lynchburg, VA Homeowners Insurance
Less than $50,000 1,017 7.0% $114
$50,000 to $59,999 456 3.0% $249
$60,000 to $69,999 523 3.0% $313
$70,000 to $79,999 661 4.0% $356
$80,000 to $89,999 720 4.0% $406
$90,000 to $99,999 761 5.0% $456
$100,000 to $124,999 1,615 11.0% $527
$125,000 to $149,999 2,256 15.0% $663
$150,000 to $174,999 1,904 13.0% $784
$175,000 to $199,999 1,403 9.0% $905
$200,000 to $249,999 1,486 10.0% $1090
$250,000 to $299,999 771 5.0% $1333
$300,000 to $399,999 837 5.0% $1689

Top Home Insurance Agents Near Lynchburg, VA

Home Insurance Company Near Lynchburg, VA Homeowners Insurance Agency Near Lynchburg, VA Address
State Farm Eric Fletcher 701 Broad St, Altavista, VA, 24517-1831
Travelers Gary Oyler Insurance Agency Inc 3323 BRAMBLETON AVE, ROANOKE, VA, 24018
State Farm Patrick Mcdonald 3321 Brambleton Ave SW, Roanoke, VA, 24018-6524
Erie The Sprouse Insurance Agency Llc 5068 S Amherst Hwy Suite 110, Madison Hts, VA, 24572
Travelers Thompson Insurance Agency Inc 114 KING ST, KEYSVILLE, VA, 23947

Cost Of Homeowners Insurance By Street Near Lynchburg, VA

Streets in Lynchburg Area Homeowners Insurance Cost
Court St, Cobbs St, Morrison Dr, Greenbriar Dr, Yale St, Bonair Cir, Mill Lane Rd, Link Rd, Lucado Pl, Westwood Ave$738
I St, State Rte 660, Buchanan St, Wilkins St, Georgia Ave, Bailey St, Munford St, Main St, Holcomb Path Rd, Perrymont Ave$690
Sherman Dr, Pocahontas St, Ley St, Polk St, Legacy Oak Cir, Autumn Dr, Bristol St, Missouri Ave, Village Rd, Miller Dr$713
Woodway Dr, Harding St, Craddock St, Winston Ridge St, Stadium Rd, Creekside Ln, Crestwood Cir, Winston Ridge Rd, Monticello Ave, Virginia St$691
Meadowview Dr, Danbury Dr, Clarke St, Hines Cir, Stephenson Ave, Mayflower Dr, Crescent Rd, Georgetown Dr, Oakley Ave, Oakley Ave$689
Wards Rd, Ramsey Pl, State Rte 126, Little Creek Rd, Savannah Ave, Averill Ct, Williams Rd, Oakridge Blvd, Boonsboro Rd, Carrington Rd$715
Old Boonsboro Rd, Wallace St, Goldenrod Pl, Peace St, Holiday St, Buena Vista St, Viking Dr, Hawes St, Stratford Rd, Thomson Dr$736
Columbia Ave, Boston Ave, Fairview Ave, Beech St, Burnham Ln, Breckenbridge St, Hughes Ave, Gatlin St, Staunton St, Washington St$688
9th St, Poston St, Lynndale Pl, Whispering Pines Ct, Old Wiggington Rd, Hillsdale Rd, Three Creeks Ct, Two Creek Dr, 1st St, Bell St$713
Fulton St, Pleasant View Dr, Rivermont Ter, US Hwy 460, Enterprise Dr, Mansfield Ave, Cork St, High St, Dillard Dr, 18th St$708

Lynchburg, VA Home Insurance Savings For Senior Occupied Homes

PlaceSavings For Senior Occupied Homes
Lynchburg$106 to $109
Forest$110
Madison Heights$106
Jefferson$111

Lynchburg, 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
Forest CDP, Virginia $92 $122 $183
Madison Heights CDP, Virginia $89 $118 $177
Jefferson district, Bedford County, Virginia $93 $124 $186

Lynchburg, 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
Lynchburg, VA4.8%15.7%
Forest4.1%15.99%
Madison Heights6.04%21.44%
Jefferson3.97%16.76%

Lynchburg Renters Insurance as a Percentage of Rent

Lynchburg Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
Less than $200 290 2.0% $349
$200 to $299 596 4.0% $799
$300 to $499 1,569 12.0% $1249
$500 to $749 4,436 36.0% $1924
$750 to $999 3,370 27.0% $2674
$1,000 to $1,499 1,461 12.0% $3799
$1,500 or more 376 3.0% $5449

Lynchburg, VA Home Insurance Costs With Deductible Scenario

Low DeductibleHigh Deductible
Deductible$600$2,600
Yearly Lynchburg Homeowner Insurance Premium Example $2,100$1,700
Out of Pocket Expense During Claim$600$2,600
Total Home Insurance Premium for 7 years + Out of Pocket Expense for Claim $15,300$14,500
Net Savings to Lynchburg Home Owner from High Deductible Plan $800

Lynchburg, VA Home Insurance Costs With Home Replacement Value Scenarios

Scenario Lynchburg, VA Home Replacement Value MORE than Home Value Lynchburg, VA Home Replacement Value LESS than Home Value
Replacement Value $224,500 $147,000
Insurance Premium based on Replacement Value $900 $600
Risk Exposure from Under Insuring Coverage Unnecessary Home Insurance Coverage of $32,500 Risk Exposure from Under Insuring Coverage is $45,000
Premium Impact Insurance cheaper by $175/year Insurance costlier by $125/year

Example Lynchburg Homeowners Insurance Comparison Table to Compare The Cheapest Quotes

Insurance Company AllstateFarmers InsuranceErie Insurance
Monthly Premium 6340115
Year Built 199819741948
Home Details 3 Beds, 2 Baths2 Beds, 1 Baths4 Beds, 1 Baths
Coverage Amount $150000-$175000$100000-$125000$400000-$500000
Deductible $500- $1000 Deductible$2500-$5000 Deductible> $10,000 Deductible

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

Year Built Home Value Roof Type Sqft Number of Bedrooms Deductible Premium Premium Months Siding Type Smoker/Non Smoker
2013 115,000 Shingles Roof 1,480 3 $2500-$5000 Deductible 40 1 Stone Siding yes
1948 165,000 Composition Roof 2,300 5 $2500-$5000 Deductible 460 10 Wood siding No
1948 160,000 Slate Shingles Roof 2,140 4 $500- $1000 Deductible 140 2 Wood siding yes
1962 95,000 Composition Roof 990 2 $2500-$5000 Deductible 490 12 Stone Siding No
1968 125,000 Asphalt Shingles Roof 1,730 2 $500 Deductible 400 6 Stone Siding No
1973 120,000 Metal Roof 1,340 2 $500- $1000 Deductible 340 8 Fiber-Cement Siding yes
2013 280,000 Asphalt Shingles Roof 3,210 5 $500 Deductible 880 7 Stucco siding No
1974 90,000 Wood Shake Roof 1,020 2 $1000-$2500 Deductible 400 12 Fiber-Cement Siding No
2013 130,000 Wood Shake Roof 1,210 2 $1000-$2500 Deductible 180 4 Stucco siding yes
1946 260,000 Wood Shake Roof 3,150 5 $500 Deductible 380 3 Vinyl siding No
1977 80,000 Asphalt Shingles Roof 1,020 2 $2500-$5000 Deductible 160 7 Vinyl siding yes
2011 155,000 Membrane Roof 1,630 5 $5000 to $10,000 Deductible 40 1 Vinyl siding yes
1997 180,000 Composition Roof 1,860 4 $500 Deductible 690 8 Wood siding No
1965 200,000 Metal Roof 2,060 3 $500- $1000 Deductible 580 8 Brick siding No
1947 365,000 Wood Shake Roof 3,450 5 $2500-$5000 Deductible 1200 12 Wood siding No
1968 315,000 Membrane Roof 3,350 4 $5000 to $10,000 Deductible 90 1 Wood siding No
1948 195,000 Slate Shingles Roof 2,320 3 $1000-$2500 Deductible 180 3 Stone Siding yes
1968 330,000 Shingles Roof 3,940 5 > $10,000 Deductible 330 5 Vinyl siding yes
2013 140,000 Shingles Roof 1,310 2 $500- $1000 Deductible 140 3 Brick siding yes
1978 285,000 Tile Roof 3,400 5 $1000-$2500 Deductible 110 1 Vinyl siding No
2013 320,000 Slate Shingles Roof 3,190 5 $2500-$5000 Deductible 830 7 Brick siding No
2013 355,000 Asphalt Shingles Roof 4,600 5 $500- $1000 Deductible 2040 12 Stone Siding No
1948 135,000 Wood Shake Roof 1,520 2 $2500-$5000 Deductible 540 12 Stone Siding yes
1998 135,000 Tile Roof 1,780 4 $500 Deductible 220 4 Wood siding No
1971 125,000 Asphalt Shingles Roof 1,290 3 $2500-$5000 Deductible 160 4 Brick siding yes
2014 195,000 Wood Shake Roof 2,080 4 $500- $1000 Deductible 1060 12 Brick siding No
2011 180,000 Wood Shake Roof 1,790 3 $1000-$2500 Deductible 320 4 Stucco siding No
2011 245,000 Composition Roof 2,330 3 $500 Deductible 160 2 Stone Siding No