Homeowners Insurance - Northern Neck Insurance Company

The Need

Your home is your largest single investment. Whether you own it free and clear or have a mortgage, you need to protect your home from the many possible everyday perils and catastrophic events. Your home, your family and your personal possessions are precious. That’s why we’ve insured all kinds of homes all over Virginia for over a century.

What’s Covered?

We insure responsible homeowners in rural and suburban Virginia. We insure condominiums, site built, modulars. manufactured, and secondary residence homes. If you call it home, an Independent Agent in your neighborhood can find you a policy that provides the coverage you need and the best claim service anywhere in the State of Virginia.

Coverage to repair or rebuild your home and other structures on your property.
Coverage to replace damaged, destroyed or stolen personal belongings at home or anywhere in the world.
Coverage for liability and legal expenses when someone or something is accidentally injured or damaged on your property.
Additional living expenses while your home is repaired or rebuilt.
Optional umbrella insurance to cover jury awards, out-of-court settlements and legal expenses in excess of your primary policy limits.
Optional additional coverage that extend your primary policy’s dollar limits and types of perils it covers.

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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