 We insure responsible homeowners, landlords and renters against loss, harm and liability in suburban and rural Virginia, and only Virginia. Because we own homes in Virginia ourselves, we know and understand the particular risks Virginia property owners fear and face and write peace-of-mind policies to cover them.
We opened for business in the tiny coastal town of Irvington, Virginia in 1896 to insure local homeowners against fire and lightning loss and damage. Today’s homeowners, landlords and renters have a lot more to lose. So we don’t just insure their homes, we insure their personal possessions, their cars, their boats, their equipment, their home offices, their personal liability and even their identities.
Whether you live in your site-built or manufactured, single or multi-family home all of the time or some of the time, we provide comprehensive, competitively priced insurance and best-in-class response when you file a claim.
Northern Neck Insurance is offered through a network of independent insurance agents throughout Virginia. Independent insurance agents represent several companies and place insurance policies for their clients with the company that provides the optimal coverage for each one of them. In the event of a loss, our independent insurance agents and field of insurance adjusters help policyholders settle their insurance claims, fast and face-to-face.
- Fast, face-to-face response. We settled 90% of Hurricane Isabel claims in 60 days and 90% of Ernesto claims in 30 days. We have independent agents in 185 locations throughout Virginia.
- Valued customer discounts. If you have both your homeowners and your automobile insurance with us, you get a 25% discount on your automobile policy and a 10% discount on your homeowners policy. If you haven’t had a ticket in three years, you may qualify for a 15% discount on your automobile insurance. And, we offer additional discounts to non-smokers and other responsible policyholders.
- Financial strength. The world’s largest and most authoritative source on insurance carriers’ financial strength and ability to pay claims, AM Best, rates us A- (Excellent). Demotech, a leading financial analysis and actuarial consulting firm, has rated Northern Neck Insurance Company A” Double Prime, unsurpassed in financial stability.
- Convenience. In addition to home and auto insurance, we offer boat, umbrella, home office, equipment breakdown, identity theft and extended replacement coverage. So you can get all of the coverage you need in one place, with one point of contact, when you have a claim or a question call your local independent insurance agent.
This is not an offer to contract. Policies contain limits, exclusions and conditions that are not listed here. For full details about your specific coverage, please consult with your agent and read your policy carefully.
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