Rural Estate Insurance - Northern Neck Insurance Company

The Need

If you live in an outer suburban or rural area and have a few acres; a barn; maybe a few docile animals; a mid-size John Deere tractor; and earn the majority of your income from some other activity than farming, then this program was made for you.

The Rural Estate program is based on our current Homeowners Program. It is an addition to our Homeowners program and has three new homeowners tiers: Superior Estate; Preferred Estate; and Standard Estate. Each has the benefits of their homeowner’s tier counterparts. Each will add blanket coverage in varying amounts for barns, sheds, and farm buildings; equipment; livestock; and hay and feed. Farmers Personal Liability is included in each tier as will medical payments coverage for farm employees. Options exist for increasing coverage limits on most of the included coverages.

What’s Covered?

In addition to the coverages provided by the Northern Neck Homeowners policy the Rural Estate Insurance Endorsement provides coverage for:

Repairing or rebuilding outbuildings like barns or stables.
Replacing damaged, destroyed or stolen farm equipment and personal property.
Liability and legal expenses when someone or something is accidentally injured or damaged on your property.
Optional umbrella insurance to cover jury awards, out-of-court settlements and legal expenses in excess of your primary policy limits.
Optional additional insurance that extends your primary policy’s dollar limits and the types of perils that it covers.

Click here for the Rural Estate Brochure in PDF format.

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.