The Need
Your homeowners policy may not offer as much protection as you need and may not cover several perils that are possible within the State of Virginia. A loss can be quite severe when the peril of Earthquake, Sinkhole Collapse or Sewer back-up occurs. For a minimal charge, these coverages and more can be added to your homeowners policy with Northern Neck Insurance Company.
What’s Covered?
For just $40 per year, you can increase your homeowners insurance policy limits and cover losses from potential perils that are not covered by your homeowners policy.
- Increased dollar limit for credit cards, fund transfer cards, forgery, counterfeit money, medical payments and personal injury
- Earthquakes
- Sinkhole collapse
- Sewer and drain water back-up
- Debris removal
- Refrigerated personal property
- 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—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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