Need to file a claim?

Call our CLAIMS HOTLINE at (877)968-7252 or log into our Member Center to file a claim. We're here and ready to help!


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 practical benefit for our fellow Virginians, not financial gain.

Community is in our DNA.


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.   



Our Core Values


We are a People Company.


We take care of people. 

We are right here and ready to help our members and agents. 
We empathize and listen to understand people’s needs. 
We invest in people’s growth as the best way to increase our company’s impact. 

We build community. 

We are down-to-earth and work in service to the greater good. 
We invest in the relationships that connect us. 
Stronger communities create a stronger commonwealth/country/world. 

We solve problems.

We are self-motivated and take responsibility for every interaction. 
We seek answers and use creativity and tenacity to find resolution.  
We communicate actively in the way that works best for others.

We are inclusive.

We strive to ensure all feel welcome. 
Different abilities, perspectives and experiences make us stronger. 
We take action to promote diversity, equity and justice. 




Our Story | Our People | Careers