Our Story

Helping Virginians since 1896

Fire waterbucketIf you owned a home in the late 1800s, you lived in mortal fear of fire. Without firetrucks or running water, a stray spark or lightning strike could destroy your home and bankrupt your family.

In 1896, the people of Irvington recognized that the devastating risk posed by fire didn’t have to be borne alone. A group of 37 homeowners banded together to form the Northern Neck Mutual Fire Association of Virginia. By pooling their resources, these original members gained the ability to rebuild a home leveled by fire.

In the century that followed, membership in the Association expanded statewide, providing coverage for thousands of homes throughout the Commonwealth. In 1987, we became Northern Neck Insurance Company to reflect a growing list of insurance services.

For all of our success, we’re still a small company by the standards of today’s insurance industry. We are Virginia-only by choice. So when we say we are protecting our neighbors, friends, and family – that’s exactly what we mean. We are proud to be a mutual insurer, which means every policyholder is a part-owner of the company. Instead of passing profits to shareholders, we invest them back into the company to create better products and keep premiums low for our members. 


We're right here, and ready to help.

We've had the same purpose for 125 years: to help Virginians protect their financial futures by insuring their homes and most valuable possessions. That's what being a mutual company means — people coming together to create a benefit for all.   



We don't have customers. We have members.

Be a Member

When you buy insurance from us, you become a part of something bigger. You’re a member-owner, joining more than 50,000 Virginia households in a century-old tradition of neighbors joining forces to do more together than we could do individually.

We think that our mutual business model elevates us above other insurance companies. Our company is owned and operated for the benefit of our members. Everyone in the Northern Neck family has a need for the products and services we provide. Our motivation is a practical benefit for our fellow Virginians, not financial gain.

Community is in our DNA.



  • We protect more than 65,000 homes and vehicles in Virginia
  • We are owned by our policyholders, more than 50,000 strong
  • We work closely with a select network of independent agents, who share our commitment to protecting local homes and communities



Our Core Values

Values of NNINSValue People and Relationships

We value our employees - our greatest asset. We’re committed to their growth and professional development. We rely on our employees and partners to build trusting and rewarding experiences for our members.

Accountability, Integrity, and Honesty

We achieve our objectives by adhering to the highest ethical standards and being individually accountable for results.

Life-Work Balance

We strive for an appropriate balance between work and life to allow each of us to reach our full potential.

Understand the Importance of Community

We demonstrate individual and corporate social responsibility through generosity and community service.

Extraordinary Service

Our #1 priority is our members.  We treat every member as if they were our only member, every partner as if they were our only source of revenue and support, and every co-worker as if they were our only resource for help.

Sound Financial Strength

Our strong risk management practices provide long-term stable and profitable results; assuring we’ll be here when our members need us.