Stanardsville, VA homeowners insurance is approximately $621 to $851, about $51-$70/month. Our extensive research shows customers can save as much as $294 by comparing different quotes. Enter your zipcode below and click “GO” to get multiple free quotes.
| Stanardsville, VA Home Value | Total Homes | % of Total | Average Stanardsville, VA Homeowners Insurance |
|---|---|---|---|
| Less than $50,000 | 111 | 6.0% | $80 |
| $50,000 to $59,999 | 84 | 5.0% | $169 |
| $80,000 to $89,999 | 37 | 2.0% | $279 |
| $100,000 to $124,999 | 180 | 11.0% | $360 |
| $125,000 to $149,999 | 83 | 5.0% | $448 |
| $150,000 to $174,999 | 86 | 5.0% | $537 |
| $175,000 to $199,999 | 184 | 11.0% | $618 |
| $200,000 to $249,999 | 302 | 18.0% | $743 |
| $250,000 to $299,999 | 289 | 17.0% | $912 |
| $300,000 to $399,999 | 262 | 16.0% | $1155 |
| Home Insurance Company Near Stanardsville, VA | Homeowners Insurance Agency Near Stanardsville, VA | Address |
|---|---|---|
| State Farm | Ellen Aders | 23 Church St, Front Royal, VA, 22630 |
| State Farm | Greg Leffler | 503 Faulconer Dr Ste 1A, Charlottesvle, VA, 22903-4978 |
| Travelers | Group Underwriters Agency Inc | 505 FAULCONER DR, CHARLOTTESVILLE, VA, 22903 |
| Travelers | Lake Anna Insurance Agency Llc | 111 Ave, Mineral, VA, 23117 |
| Erie | Mcgreevy Insurance Agency Inc. | 986 John Marshall Hwy Suite A, Front Royal, VA, 22630 |
| Streets in Stanardsville Area | Homeowners Insurance Cost |
|---|---|
| Horseshoe Rd, M & M Rd, Angie Pl, State Rte 623, Grand View Ln, State Rte 660, Gilbert Rd, Four Seasons Dr, Spotswood Trl, Crane Dr | $744 |
| Shimbre Ln, Conley Rd, Hillside Rd, Wyatt Mountain Rd, Sunset Dr, Woodcock Way, Gander Ln, Oak Terrace Dr, Amicus Rd, Brills Hill | $734 |
| Millside Dr, Logtrac Rd, E Daffodil Rd, Pea Ridge Rd, Begonia Rd, State Rte 1008, Lake, State Rte 633, Brooking Ln, Baron Dr | $742 |
| Fairlane Dr, Wokanda Trl, State Rte 653, State Rte 628, State Rte 658, Tower Rd, Mayo Dr, Heights Hill Rd, Narcissus Rd, Chapman Rd | $738 |
| Blakey Ave, Liberty Loop, Azalea Rd, Spruce Ct, State Rte 675, E South River Rd, Home Again Dr, Crane Cir, Butternut Ln, State Rte T-649 | $733 |
| Place | Savings For Senior Occupied Homes |
|---|---|
| Stanardsville | $109 to $111 |
| Greene County | $110 |
| Twin Lakes | $109 |
| Ruckersville | $111 |
| Place | 1 Car Bundle Savings On Insurance | 2 Car Bundle Savings On Insurance | 3 Car Bundle Savings On Insurance |
|---|---|---|---|
| Greene County, Virginia | $110 | $147 | $221 |
| Twin Lakes CDP, Virginia | $109 | $145 | $218 |
| Rapidan district, Madison County, Virginia | $110 | $147 | $221 |
| Place | Home insurance as a % of housing cost for homes with mortgage | Home insurance as a % of housing cost for homes without mortgage |
|---|---|---|
| Stanardsville, VA | 4.6% | 20.7% |
| Greene County | 4.06% | 18.61% |
| Twin Lakes | 4.22% | 22.78% |
| Rapidan | 4.49% | 14.91% |
| Stanardsville Home By Monthly Rent | Total Homes | % of Total | Estimated Monthly Income To Afford Rented House Including Renters Insurance |
|---|---|---|---|
| $500 to $749 | 33 | 7.0% | $1913 |
| $750 to $999 | 190 | 42.0% | $2663 |
| $1,000 to $1,499 | 218 | 48.0% | $3788 |
| $1,500 or more | 6 | 1.0% | $5438 |
| Low Deductible | High Deductible | |
|---|---|---|
| Deductible | $1,900 | $3,900 |
| Yearly Stanardsville Homeowner Insurance Premium Example | $1,600 | $1,100 |
| Out of Pocket Expense During Claim | $1,900 | $3,900 |
| Total Home Insurance Premium for 5 years + Out of Pocket Expense for Claim | $9,900 | $9,400 |
| Net Savings to Stanardsville Home Owner from High Deductible Plan | $500 | |
| Scenario | Stanardsville, VA Home Replacement Value MORE than Home Value | Stanardsville, VA Home Replacement Value LESS than Home Value |
|---|---|---|
| Replacement Value | $251,500 | $170,500 |
| Insurance Premium based on Replacement Value | $1,275 | $875 |
| Risk Exposure from Under Insuring Coverage | Unnecessary Home Insurance Coverage of $54,000 | Risk Exposure from Under Insuring Coverage is $27,000 |
| Premium Impact | Insurance cheaper by $125/year | Insurance costlier by $275/year |
| Insurance Company | Nationwide Insurance | Travelers | Amica Mutual Insurance Company |
| Monthly Premium | 46 | 87 | 80 |
| Year Built | 1945 | 1979 | 2003 |
| Home Details | 3 Beds, 2 Baths | 4 Beds, 3 Baths | 5 Beds, 4 Baths |
| Coverage Amount | $150000-$175000 | $200000-$250000 | $200000-$250000 |
| Deductible | $2500-$5000 Deductible | $500- $1000 Deductible | $500- $1000 Deductible |
| Year Built | Home Value | Roof Type | Sqft | Number of Bedrooms | Deductible | Premium | Premium Months | Siding Type | Smoker/Non Smoker |
|---|---|---|---|---|---|---|---|---|---|
| 2013 | 690,000 | Tile Roof | 4,910 | 5 | $500 Deductible | 990 | 5 | Stucco siding | yes |
| 1983 | 285,000 | Asphalt Shingles Roof | 2,150 | 3 | $5000 to $10,000 Deductible | 340 | 6 | Stucco siding | yes |
| 2011 | 230,000 | Asphalt Shingles Roof | 2,000 | 5 | $2500-$5000 Deductible | 580 | 10 | Stucco siding | No |
| 2010 | 305,000 | Shingles Roof | 2,740 | 4 | > $10,000 Deductible | 500 | 9 | Wood siding | yes |
| 2006 | 315,000 | Tile Roof | 2,230 | 5 | $500- $1000 Deductible | 820 | 9 | Wood siding | yes |
| 1994 | 290,000 | Metal Roof | 2,180 | 3 | $1000-$2500 Deductible | 770 | 7 | Vinyl siding | No |
| 1973 | 285,000 | Metal Roof | 2,200 | 3 | $500- $1000 Deductible | 190 | 2 | Wood siding | yes |
| 2002 | 135,000 | Membrane Roof | 1,270 | 3 | $2500-$5000 Deductible | 200 | 5 | Brick siding | yes |
| 2013 | 205,000 | Metal Roof | 1,600 | 4 | $500 Deductible | 760 | 9 | Stucco siding | No |
| 1999 | 310,000 | Wood Shake Roof | 2,400 | 4 | $2500-$5000 Deductible | 850 | 9 | Fiber-Cement Siding | yes |
| 1947 | 245,000 | Membrane Roof | 2,010 | 3 | $500- $1000 Deductible | 1230 | 10 | Wood siding | No |
| 1979 | 315,000 | Membrane Roof | 2,190 | 5 | $5000 to $10,000 Deductible | 160 | 2 | Fiber-Cement Siding | No |
| 1984 | 225,000 | Metal Roof | 1,580 | 5 | $5000 to $10,000 Deductible | 310 | 5 | Vinyl siding | No |
| 2013 | 235,000 | Membrane Roof | 2,100 | 3 | $1000-$2500 Deductible | 710 | 9 | Stucco siding | yes |
| 1999 | 365,000 | Wood Shake Roof | 2,680 | 4 | $500- $1000 Deductible | 1070 | 10 | Stone Siding | yes |
| 1994 | 405,000 | Composition Roof | 2,840 | 5 | $500 Deductible | 920 | 6 | Wood siding | No |
| 1997 | 600,000 | Wood Shake Roof | 4,590 | 5 | $2500-$5000 Deductible | 2820 | 12 | Fiber-Cement Siding | yes |
| 1994 | 185,000 | Asphalt Shingles Roof | 1,460 | 3 | $500- $1000 Deductible | 250 | 3 | Vinyl siding | yes |
| 1992 | 170,000 | Shingles Roof | 1,490 | 3 | $2500-$5000 Deductible | 160 | 3 | Vinyl siding | No |
| 1947 | 455,000 | Membrane Roof | 4,350 | 5 | $1000-$2500 Deductible | 790 | 5 | Stucco siding | yes |
| 2001 | 175,000 | Tile Roof | 1,240 | 3 | $500- $1000 Deductible | 250 | 3 | Vinyl siding | yes |
| 1948 | 435,000 | Metal Roof | 4,140 | 5 | $2500-$5000 Deductible | 510 | 5 | Stone Siding | yes |
| 1993 | 295,000 | Shingles Roof | 2,100 | 4 | $500- $1000 Deductible | 1790 | 12 | Vinyl siding | No |
| 2010 | 215,000 | Membrane Roof | 1,680 | 4 | $2500-$5000 Deductible | 160 | 2 | Stone Siding | yes |
| 1941 | 455,000 | Tile Roof | 4,010 | 5 | $2500-$5000 Deductible | 1780 | 12 | Stone Siding | yes |
| 2001 | 150,000 | Slate Shingles Roof | 1,560 | 3 | $1000-$2500 Deductible | 170 | 3 | Fiber-Cement Siding | No |
| 1978 | 185,000 | Slate Shingles Roof | 1,790 | 4 | $2500-$5000 Deductible | 170 | 3 | Stucco siding | No |
| 1944 | 255,000 | Shingles Roof | 1,830 | 3 | $1000-$2500 Deductible | 110 | 1 | Fiber-Cement Siding | No |
| 1985 | 260,000 | Asphalt Shingles Roof | 2,010 | 3 | $500- $1000 Deductible | 430 | 4 | Stucco siding | No |
| 2014 | 175,000 | Metal Roof | 1,660 | 3 | $1000-$2500 Deductible | 610 | 10 | Stucco siding | yes |
| 1941 | 270,000 | Composition Roof | 2,270 | 3 | $5000 to $10,000 Deductible | 90 | 1 | Stucco siding | No |
| 2000 | 265,000 | Asphalt Shingles Roof | 2,390 | 3 | $500 Deductible | 670 | 8 | Stone Siding | yes |
| 1981 | 305,000 | Asphalt Shingles Roof | 2,860 | 4 | > $10,000 Deductible | 660 | 10 | Wood siding | No |
| 2012 | 240,000 | Membrane Roof | 2,200 | 5 | > $10,000 Deductible | 480 | 10 | Brick siding | No |