Stuarts Draft Insurance Rates:

Stuarts Draft, VA homeowners insurance is about $615 to $836, about $51-$69/month. Our exhaustive research reveals consumers can save as much as $290 by comparing different quotes. Enter your zipcode below and click “GO” to get multiple free quotes.

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Stuarts Draft, VA Homeowners Insurance By Home Value

Stuarts Draft, VA Home Value Total Homes % of Total Average Stuarts Draft, VA Homeowners Insurance
Less than $50,000 262 11.0% $94
$100,000 to $124,999 204 8.0% $420
$125,000 to $149,999 172 7.0% $529
$150,000 to $174,999 274 11.0% $623
$175,000 to $199,999 388 16.0% $717
$200,000 to $249,999 504 21.0% $862
$250,000 to $299,999 249 10.0% $1058
$300,000 to $399,999 195 8.0% $1348

Top Home Insurance Agents Near Stuarts Draft, VA

Home Insurance Company Near Stuarts Draft, VA Homeowners Insurance Agency Near Stuarts Draft, VA Address
Allstate Carrie Mattox 3622 Old Forest Rd Ste A, Lynchburg, VA, 24501
Erie Insurance Professionals Central Va Llc 8874 Seminole Trail, Ruckersville, VA, 22968
State Farm John Staton Jr 1026 Main St, Dillwyn, VA, 23936
Travelers Priority Ins Services Llc 4683 C JAMES MADISON HWY, FORK UNION, VA, 23055
Erie The Sprouse Insurance Agency Llc 5068 S Amherst Hwy Suite 110, Madison Hts, VA, 24572

Cost Of Homeowners Insurance By Street Near Stuarts Draft, VA

Streets in Stuarts Draft Area Homeowners Insurance Cost
Heritage Dr, Offliter Rd, State Rte 649, N Side Dr, Carter Cir, State Rte 1721, Ridge Dr, White Hill Rd, State Rte 1515, China Clay Rd$723
October Ct, Mountain Vista Dr, Townhouse Ln, February Dr, State Rte 1517, S View Dr, Long Bow Rd, Rock Ledge Rd, Vance Ln, Sunset Dr$727
Roxbury Dr, Now Rd, St Ives Dr, Afton Cir, Hillington Dr, Parker Rd, Warrior Run, Grouse Ridge Rd, Seasons Ln, State Rte 1540$715
Manor Dr, Lipscomb Rd, Shalom Rd, Burning Bush Ln, Gerties Ln, Old Stony Ridge Rd, Duck Pond Ln, White Hill Rd, Cedar Dr, Old Draft Rd$728
Hampton Dr, Old Cider Mill Ln, Hughes Ln, Johnson Hill Dr, Brainard Ln, Augusta Ct, Patton Farm Rd, Meriwether Cir, Long Ridge Ln, Berry Patch Ln$716

Stuarts Draft, VA Home Insurance Savings For Senior Occupied Homes

PlaceSavings For Senior Occupied Homes
Stuarts Draft$108 to $111
South River$109
Lyndhurst$108
Sherando$107

Stuarts Draft, 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
South River district, Augusta County, Virginia $109 $145 $218
Lyndhurst CDP, Virginia $108 $144 $216
Sherando CDP, Virginia $107 $143 $215

Stuarts Draft, 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
Stuarts Draft, VA4.8%16.0%
South River4.52%16.55%
Lyndhurst5.91%16.46%
Sherando3.33%21.34%

Stuarts Draft Renters Insurance as a Percentage of Rent

Stuarts Draft Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
$300 to $499 9 1.0% $1243
$500 to $749 423 52.0% $1918
$750 to $999 149 18.0% $2668
$1,000 to $1,499 204 25.0% $3793
$1,500 or more 17 2.0% $5443

Stuarts Draft, VA Home Insurance Costs With Deductible Scenario

Low DeductibleHigh Deductible
Deductible$1,500$3,500
Yearly Stuarts Draft Homeowner Insurance Premium Example $800$400
Out of Pocket Expense During Claim$1,500$3,500
Total Home Insurance Premium for 8 years + Out of Pocket Expense for Claim $7,900$6,700
Net Savings to Stuarts Draft Home Owner from High Deductible Plan $1,200

Stuarts Draft, VA Home Insurance Costs With Home Replacement Value Scenarios

Scenario Stuarts Draft, VA Home Replacement Value MORE than Home Value Stuarts Draft, VA Home Replacement Value LESS than Home Value
Replacement Value $240,500 $157,000
Insurance Premium based on Replacement Value $950 $625
Risk Exposure from Under Insuring Coverage Unnecessary Home Insurance Coverage of $37,000 Risk Exposure from Under Insuring Coverage is $46,500
Premium Impact Insurance cheaper by $175/year Insurance costlier by $150/year

Example Stuarts Draft Homeowners Insurance Comparison Table to Compare The Cheapest Quotes

Insurance Company State FarmErie InsuranceLiberty Mutual
Monthly Premium 419943
Year Built 198919762008
Home Details 3 Beds, 2 Baths4 Beds, 1 Baths5 Beds, 4 Baths
Coverage Amount $175000-$200000$250000-$300000$150000-$175000
Deductible $5000 to $10,000 Deductible$2500-$5000 Deductible$5000 to $10,000 Deductible

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

Year Built Home Value Roof Type Sqft Number of Bedrooms Deductible Premium Premium Months Siding Type Smoker/Non Smoker
1993 220,000 Slate Shingles Roof 2,150 3 > $10,000 Deductible 220 5 Stone Siding No
1991 265,000 Composition Roof 2,350 3 $500 Deductible 1070 10 Vinyl siding No
1980 215,000 Metal Roof 2,140 3 $1000-$2500 Deductible 480 10 Vinyl siding No
1979 180,000 Metal Roof 2,100 5 $500 Deductible 110 1 Wood siding yes
1994 225,000 Membrane Roof 2,400 4 $500- $1000 Deductible 440 5 Stucco siding yes
1995 385,000 Asphalt Shingles Roof 3,420 5 $5000 to $10,000 Deductible 310 3 Brick siding yes
1977 370,000 Metal Roof 2,940 4 $5000 to $10,000 Deductible 680 9 Stucco siding yes
2005 295,000 Wood Shake Roof 3,220 4 $500 Deductible 950 6 Vinyl siding yes
2002 240,000 Asphalt Shingles Roof 2,130 4 $500 Deductible 260 3 Brick siding No
1993 310,000 Asphalt Shingles Roof 3,520 5 $500 Deductible 1080 7 Wood siding yes
1998 240,000 Metal Roof 2,620 4 $500- $1000 Deductible 80 1 Stucco siding yes
1984 225,000 Shingles Roof 1,800 4 $2500-$5000 Deductible 670 9 Brick siding yes
1981 170,000 Tile Roof 1,690 3 $5000 to $10,000 Deductible 270 7 Brick siding No
1993 300,000 Slate Shingles Roof 2,920 5 $2500-$5000 Deductible 1090 12 Vinyl siding No
1979 150,000 Slate Shingles Roof 1,510 3 $1000-$2500 Deductible 460 9 Vinyl siding yes
1985 155,000 Asphalt Shingles Roof 1,240 3 $1000-$2500 Deductible 640 12 Brick siding yes
1986 285,000 Composition Roof 3,160 4 $5000 to $10,000 Deductible 1030 12 Fiber-Cement Siding yes
1971 285,000 Slate Shingles Roof 2,970 4 $500 Deductible 1940 12 Wood siding yes
1990 345,000 Metal Roof 3,290 4 $5000 to $10,000 Deductible 270 3 Stucco siding No
2008 130,000 Composition Roof 1,510 3 $1000-$2500 Deductible 50 1 Vinyl siding yes
1999 375,000 Metal Roof 3,460 5 $2500-$5000 Deductible 1400 9 Stone Siding No
1984 230,000 Membrane Roof 2,020 4 $2500-$5000 Deductible 70 1 Stone Siding yes
1973 150,000 Composition Roof 1,710 3 $500 Deductible 410 6 Stone Siding yes
2007 470,000 Shingles Roof 4,660 5 $1000-$2500 Deductible 790 5 Stone Siding No
1999 245,000 Membrane Roof 2,040 3 $500 Deductible 1090 12 Wood siding yes
1995 300,000 Asphalt Shingles Roof 2,330 5 $1000-$2500 Deductible 990 10 Wood siding yes
1990 160,000 Tile Roof 1,230 3 $1000-$2500 Deductible 170 3 Brick siding No
1974 525,000 Metal Roof 4,970 5 $500- $1000 Deductible 1260 8 Wood siding yes