Renters Insurance - Northern Neck Insurance Company

The Need

Your landlord’s insurance covers the physical structure you live in. It does not cover you if your possessions are damaged, destroyed or stolen. It does not cover any improvements you made to your rental home. And it does not protect you from personal liability expenses, either. If you are one of the over 40% of uninsured tenants in the United States, you will have to pay for losses like these out of your own pocket.

What’s Covered?

Lost, damaged, destroyed or stolen personal belongings at home—or anywhere in the world.
Improvements such as custom cabinetry and new appliances you put into your rented home yourself.
Liability and legal expenses when someone or something is accidentally injured or damaged at your home.
Additional living expenses while your place is repaired or rebuilt.
Legal liability if you caused a fire in your rented home or vacation rental.
Optional umbrella insurance to cover jury awards, out-of-court settlements and legal expenses in excess of your primary policy limits.

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.