Baskerville, VA Homeowners Insurance Rate Quotes!

Are you unsure which Baskerville, VA homeowners insurance package is right for you?

If you are confused about which home insurance policy is the best fit for you in the Baskerville area, then you have come to the right place. We strive to help everyone in your area find more affordable homeowners insurance rates with enhanced coverage benefits for that added protection when you need it the most. Why not protect your most valuable investment? When we compare your free home insurance rate quotes, we also apply additional home insurance discounts that may help you improve your coverage and save you money on your monthly premium. To get your free Baskerville homeowners insurance rates, just enter your zip code to start your hassle free shopping experience.

How to Compare the Best Baskerville Home Insurance Rates

One of the many questions we get from customers living in Baskerville, VA has to do with comparison shopping. Homeowners are interested in what the average rates are for a standard homeowners insurance policy in Mecklenburg County. Homeowners of Baskerville, VA currently pay $848 a year ($71 a month) for a standard HO-3 policy on average, where the majority of the United States home insurance premiums are estimated to be around $1311. When we shop and compare rates for you it is likely to expect a range of quoting and coverage options that may be as low as $598 a year to $1,148 a year or higher depending on the replacement cost coverage, your preferred deductible plan and the discounts that we can apply to help you save a little extra every month. It's not uncommon with all discounts applied including a home and auto package that savings can be in the range of 40% or more. Let us help you discover more affordable Baskerville home insurance rates today for your home. Shop online or give us a call now: 1-855-976-2656.

Baskerville Demographics & Housing Facts

Source	Value
Location:	Baskerville, VA (MECKLENBURG County)
Population:	1,220
Occupied Residents:	308
Average Real Estate Value Per Zip Code:	$141,700

Compare Homeowners Insurance Rates in Baskerville, VA!

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Baskerville, VA Home Insurance Companies

With over 20+ years of Virginia homeowners insurance coverage and quoting experience, we enjoy helping customer find the best price and coverage options for your home in Baskerville, VA. Our new carrier platform includes quick rates from the very best insurance companies, like Liberty Mutual, Safeco Insurance, Tower Hill, ShoreOne, Kind Group Underwriting, AIG, Chubb, Travelers, National General and Heritage Insurance. Getting the best insurance rates with the right insurance company is key to protecing your Baskerville home. Let us help you shop the best rates and coverages today!

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Average Rates Nearby Baskerville

Are you looking for homeowners insurance in a city near Baskerville? Review coverage options and average rates in your area by clicking your city below. We can help you shop home insurance rates!

Home Insurance Rates by Zipcode in Baskerville, VA

Easily review average rates and get multiple homeowners insurance quotes by clicking your zip code below located in Baskerville.

23915,

Baskerville, VA Home Insurance Average Premiums

Local Baskerville, VA home insurance quotes comparison

$598 /yr.

Shows Baskerville's lowest average rates with discounts applied.

For the city of Baskerville, homeowners insurance rates may vary on deductible, coverage amount and property details. Below is a list of the averages based on the cost of an annual home insurance premium.

Coverage Amount:	Annual Premium
1800 sq. ft. or below (discounts applied)	$598 /yr.
Average Coverage:	$848 /yr.
2600 sq. ft. or higher (all discounts applied)	$1148 /yr.

What is the average home insurance cost for a home in Baskerville, VA?

• The average homeowners insurance premium paid annually for a home in Baskerville is around $848 per year.

What does it cost on average per month for home insurance in Baskerville, VA?

• Homeowners in Baskerville pay an average cost per month around $71.00 for insurance coverage.

Baskerville, VA - 2023 Housing Information

Month	Current Home Value (2023)	Last Year Home Value (2022)
January	$176,290	$0
February	$174,903	$163,742
March	$174,310	$164,255
April	$175,919	$165,398

Homeowners insurance will help cover the cost to repair or replace your Baskerville home if it is damaged or destroyed by a covered peril, up to your coverage limits. A homeowners policy is made up of a few different coverages. Here are the most common coverages:

Dwelling: This coverage will pay to repair or replace the structure of your home if it is damaged or destroyed. Review and Calculate Replacement Cost Coverage in Baskerville
Liability: This coverage will help cover medical and legal bills if someone is injured in your home, slipping on an icy sidewalk for example. It also offers protection if you damage another person’s property, your child hitting a baseball through a neighbor’s window for example.
Contents: This covers the cost to replace your personal possessions that are destroyed by a covered peril. Furniture, electronics, clothing and household goods are excellent examples. Contents coverage is often capped at 50% to 70% of your dwelling coverage.
Other Structures: This coverage protects other structures on your property such as detached garages, outbuildings, barns, and sheds.
Loss of use: This covers everyday costs that you incur if you cannot live in your home while it is being repaired due to a claim. It will pay hotel and restaurant bills and even the cost of dry cleaning.

Get up to 12 competitive Baskerville, VA homeowners insurance rates all in one place!

Saving Money Tips on Baskerville Home Insurance

A great way to save money on Baskerville homeowners insurance is to make sure you are getting all the discounts you are qualified to receive. Here are just a few of the most common discount’s insurers offer:

Bundling: If you purchase your home and auto (or any other insurance coverage) from the same insurer, you should get a bundling discount. Expect to save 20%-25%.
Secure your home: Adding a monitored security system, water leak sensors, deadbolts, and smoke detectors should result in a discount.
Impact resistant roof: If you are replacing your roof, consider impact resistant roofing materials which help prevent hail and impact damage as well as resulting in a significant discount.
Stay claim free: If you have been claim free for a number of years (five is a common requirement) your insurer should offer a claim free discount.

Are you shopping for the best rate near or wihin the Baskerville area? Check out what homeowners are paying on average for Virginia homeowners insurance.

Elevation Review for Coastal Wind or Flooding Risk

Elevation	Details	Homeowners Tips
338 ft.	This is the average home elevation in Baskerville, VA	Did you know that the elevation in which your home resides is crucial to a home insurance policy because it determines the risk factor related to your home being in a flood zone. It is important to understand that your home is not covered for floods under a standard homeowners policy. You will need to speak with a local Virginia flood insurance agent about a flood insurance policy, please give us a call now at 888-620-1954.

To get online quotes on your home and compare rates on home insurance premiums in Baskerville, enter your zip code above and easily complete our online quoting application. Remember, it's important to speak with us about additional home insurance discounts so you can get the best rate for your home in Mecklenburg County.

Virginia Homeowners Insurance News & Information

Homeowners Now Use This Strategy To Save Money on Home Insurance. Is It a Good Idea? Posted on Wednesday 26th March, 2025
According to a new Market Watch article, homeowners who are struggling with the cost of higher homeowner insurance premiums are making the move to policies with higher deductibles to help lower their costs. While this strategy may work for some, it is not the best idea for everyone. Data from the Intercontinental Exchange (ICE) showed […]
Florida Homeowners With Insurance Are Struggling to Get Claims Paid – Why? Posted on Wednesday 19th March, 2025
According to a recent Moneywise article, homeowners with insurance coverage in Florida are struggling to get claims paid. Chad Zalva, a single dad in Riverview, Florida, was cited as an example in the article as a homeowner who is carrying homeowners insurance but was recently surprised to learn that the damage to his home from […]
2025 List of States Where Finding Home Insurance Is Most Difficult and Why Posted on Tuesday 11th March, 2025
Homeowners insurance is a necessity if you own a home, particularly if you are currently carrying a mortgage. Mortgage lenders require homeowners insurance to protect their investment in your home by always carrying homeowners insurance. If your insurance is cancelled or you are non-renewed it can be a huge problem. As wildfires and major windstorms […]
Will Citizens Policyholders See a Home Insurance Rate Decrease? Posted on Tuesday 11th March, 2025
Recently, Gov. Ron DeSantis announced that over 20% of Citizens property insurance policyholders will see a premium decrease of roughly 5.6%. DeSantis also claimed that almost 73% of homeowners who have a policy with Citizens in Miami-Dade County will see a rate reduction of 6.3% on average. The state-run insurer, Citizens Property is finally shedding […]
Can $600 Million Help Lower Florida Homeowners Insurance Rates? Posted on Friday 14th February, 2025
Family relax on the couch. Happy beautiful young parents are smiling, hugging and playing with them kids at home together Governor DeSantis recently asked the legislature for over $600 million to help lower homeowners insurance in his 2025-26 budget request. The budget proposal asks for $590 million to go towards the My Safe Florida Home […]

Baskerville, VA Dwelling Coverage Estimate

It is important to calculate your dwelling coverage for your home in Baskerville so you know what type of homeowners insurance coverage you need to cover your replacement cost. It is recommended to have enough dwelling coverage to rebuild your home if it was destroyed by a covered peril.

Please remember that replacement cost coverage does not include the cost of the land, only the price to rebuild your home, which is why we like to help customers by answering a few questions that you may have.

What is the average replacement cost coverage in Baskerville, VA?

- The average square footage in Baskerville is around 869 Sq. Ft. which would cost you around $141,700 to replace the home if you base the home on the price to build per square foot of $163.

Minimum Replacement Cost Total: $141,700

Location: Baskerville, Virginia (Mecklenburg County)

Average Building Cost Per Square Foot in Baskerville: $163 (low end)

Average Square Footage in Baskerville: 869 Sq. Ft.

Home Improvement Status	Price per Sq. Ft.	Dwelling Coverage
None or Very Minor Improvements	$163	$141,700
Some Additional Upgrades	$204	$177,125
Major Home Updates or Advancements	$245	$212,550

Calculate Your Baskerville, VA Dwelling Coverage

The dwelling coverage is calculated by the average cost per square foot ($163) in Baskerville, Virginia times your heated square footage. Which would equal the cost to rebuild your home minus the cost of the property or land. Some homes will have a higher replacement cost due to home improvements like updated kitchens and bathrooms. Other upgrades may include: granite countertops, hardwood floors and stainless steel appliances. The national square foot average to build a brand new home is around 2500 square feet. So if you are looking to build, and your square footage of your new home is 2500, you are looking at a dwelling coverage premium of around $509,375 (Media price to build of $204 x 2500 sq. ft.) to cover the cost to rebuild your new home.

What is the difference between actual cash value and replacement cost value?

Homeowners insurance is available in both actual cash value (ACV) and replacement cost value (RCV). Knowing the difference is important:

Actual cash value: When valuing your personal possessions, an actual cash value policy will take depreciation into account. This means that your 10-year-old TV will be basically worthless according to your insurance company. While an ACV policy tends to be cheaper, if you have to make a claim you may be disappointed in your claim payout.

Replacement cost value: A RCV policy will replace your possessions with brand new items of similar quality regardless of how old they were at the time they were destroyed. While RCV policies are slightly more expensive, they are well worth the cost if you have to make a claim.