Get Maurertown, VA Home Insurance Rates!

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Getting Maurertown, VA homeowners insurance quotes has never been easier with our comparitive rater system. Our goal is to help you save time and money by offering the most competitive home insurance rates in Maurertown. Let us help you review and compare up to 12 of the best rate quotes, plus we can help you review which coverage plan, discount and deductible you should choose. Our Virginia agents are ready to help you discover better rates with top-rated companies you can trust. Get your Maurertown homeowners insurance quotes online today or Call 855-976-2656

Maurertown Question and Answer:

What is the population in Maurertown?
The city limit population for Maurertown, VA is 2,177.

Are there a lot of single family homes in this city?
The total homes in the city of Maurertown is 889 housing units.

What is the average Maurertown income?
The average income in the Maurertown area is around $65,170.

How much do the homes in Maurertown cost?
The average real estate value of a home in Maurertown is estimated to be around $224,900.

What do Maurertown homeowners pay on average for a homeowners policy?
Home insurance cost around $1,107 per year on average in the Maurertown area, this average is based on a $200K real estate value with a standard HO-3 policy. We help you compare rates and coverage options so you can review the best rate and policy for your home.

What is a basic homeowners policy in Maurertown cover?
A standard homeowners polciy in Maurertown, VA is commonly known as an HO-3 policy that covers damage from all perils except those that are not covered or excluded from your coverage, exclusions are clearly documented within your policy. So it is important for you to read your policy and understand what you are paying for and how your insurance policy can help you if you experience any damages. For example, earthquake or flood insurance coverage is not part of a standard HO-3 policy. There are other types of policies that cover condos, landlord (rentals), tenant (renters) and historical home policies known as HO-8 policy. We can help you enhance your coverage by applying flood insurance or wind and hail coverage.

From our most common questions above, you have read that a Maurertown homeowners policy can sound complicated, but the process of getting the right coverage does not have to be. We are here to help you get the best homeowners insurance rates and answer any questions you have about which home insurance policy is best for you and your family. Get Maurertown, VA home insurance quotes today!

Compare Homeowners Insurance Rates in Maurertown, VA!

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Maurertown, 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 Maurertown, 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 Maurertown home. Let us help you shop the best rates and coverages today!

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Average Rates Nearby Maurertown

Are you looking for homeowners insurance in a city near Maurertown? 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 Maurertown, VA

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


Maurertown, VA Home Insurance Average Premiums

Local Maurertown, VA home insurance quotes comparison

$578 /yr.

Shows Maurertown's lowest average rates with discounts applied.

For the city of Maurertown, 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)
$578 /yr.
Average Coverage:$828 /yr.
2600 sq. ft. or higher
(all discounts applied)
$1128 /yr.

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

  • • The average homeowners insurance premium paid annually for a home in Maurertown is around $828 per year.

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

  • • Homeowners in Maurertown pay an average cost per month around $69.00 for insurance coverage.

Maurertown, VA - 2023 Housing Information

Month Current Home Value (2023) Last Year Home Value (2022)
January $306,637 $284,312
February $307,619 $289,293
March $309,740 $295,586
April $311,860 $301,262

Homeowners insurance will help cover the cost to repair or replace your Maurertown 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 Maurertown
  • 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.
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Get up to 12 competitive Maurertown, VA homeowners insurance rates all in one place!

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Easily compare up to 12 competitive Maurertown, VA rates all in one place!

Saving Money Tips on Maurertown Home Insurance

A great way to save money on Maurertown 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 Maurertown 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
1734 ft. This is the average home elevation in Maurertown, 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 Maurertown, 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 Shenandoah County.

Virginia Homeowners Insurance News & Information

  • Largest Insurer in California – Travelers Announces Home Insurance Rates Going Up 15% Posted on Monday 20th May, 2024

    Travelers Insurance, which is one of the largest insurers in California, recently announced that they will be raising premiums by an average of 15% in the Golden State. This is just the latest rate increase or policy limitation by major insurance companies who blame the increases on spreading wildfire risks, inflation, and the cost of […]

  • Should I raise my deductible to $10,000 to help offset the cost of rising premiums? Posted on Wednesday 15th May, 2024

    According to industry reports, homeowners are raising their deductibles to $5,000 to $10,000 to help offset the cost of rising premiums.  While raising a deductible into the stratosphere will absolutely lower your homeowner insurance premium, it does mean that you will have to cover your deductible amount in the event you have to make a […]

  • Should I choose the minimum or maximum homeowners insurance coverage? Posted on Monday 13th May, 2024

    As homeowner insurance rates rise across the country, some homeowners are opting for policies that offer minimal coverage to keep their premiums affordable. Unfortunately, this choice will leave them at higher risk and in a position where they may have to pay more out of pocket if they have to make a claim on their […]

  • Texas is Seeing Major Increases in the Cost of Homeowners Insurance Posted on Tuesday 7th May, 2024

    Like much of the rest of the country, Texas is seeing major increases in the cost of homeowners insurance. According to an article in Austin American-Stateman, residents of Texas have seen their insurance rates go up 50.9% on average which is the largest increase in the country for that time period. Unfortunately, experts are predicting […]

  • Homeowners Below a 580 Credit Score Pay 35% More for Home Insurance Posted on Monday 15th April, 2024

    While the odds of a major disaster hitting a specific home is the same regardless of whether the owner has a great credit score or one that puts them in a subprime category, their credit score will impact their rate in many states.  In most states, insurers are allowed to consider credit scores when setting […]

Maurertown, VA Dwelling Coverage Estimate

It is important to calculate your dwelling coverage for your home in Maurertown 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 Maurertown, VA?

- The average square footage in Maurertown is around 1,380 Sq. Ft. which would cost you around $224,900 to replace the home if you base the home on the price to build per square foot of $163.

Minimum Replacement Cost Total: $224,900

Location: Maurertown, Virginia (Shenandoah County)

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

Average Square Footage in Maurertown: 1,380 Sq. Ft.

Home Improvement StatusPrice per Sq. Ft.Dwelling Coverage
None or Very Minor Improvements$163$224,900
Some Additional Upgrades$204$281,125
Major Home Updates or Advancements$245$337,350

The dwelling coverage is calculated by the average cost per square foot ($163) in Maurertown, 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.