Second/Seasonal Homeowners Insurance - Northern Neck Insurance Company

The Need

Whether your home-away-from-home is a cozy mountain cabin or a cottage on the water, one of our independent agents can protect your investment-—even when you’re not there.

What’s Covered?

Your options range from coverage similar to standard homeowners’ insurance to more modest packages to help you rebuild or repair your getaway if it is destroyed or damaged by fire or lightning. We offer optional umbrella insurance to cover jury awards, out-of-court settlements and legal expenses in excess of your primary policy limits and additional insurance that extends your policy’s dollar limits and the 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—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.