Questions?

Below are common questions people have about their Northern Neck insurance. If you don’t see the answer to your question here, please use the contact form at the bottom of the page.


How does Northern Neck calculate the replacement cost of my house?

  • An appraisal that has been completed within the last two years;
  • A cost estimator from companies such as:
    • E2Value,
    • Marshall-Swift Boeckh
    • A local builder’s replacement cost estimation

If I want an Umbrella policy what should my liability limits be for my Homeowners and Automobile policies?

  • Minimum Homeowner Liability limits are $300,000
  • Minimum Automobile Liability limits are either $250,000/$500,000 split limits or $300,000 combined single limit.
  • The underlying auto limit would need to be 500/500 or 500,000 CSL if there are youthful drivers in the household.

May I change billing/payment methods during the year if my situation changes?

Billing/payment changes should only be done at the renewal but should an emergency arise please give us call.

Where can I find more information about Northern Neck Insurance?

The Company NAIC number is 10196. You may check with the NAIC (National Association of Insurance Companies) and the Virginia Bureau of Insurance to learn more about Northern Neck Insurance. Also, you may refer to AM Best and Demotech, Inc. for the latest financial ratings.

What kind of discounts does Northern Neck offer for the Homeowners and Automobile policies?

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 violation in three years, you may qualify for a 15% discount on your automobile insurance. And, we offer additional discounts for non-smokers, for smoke and alarm systems, and other items.

May I purchase a policy directly from Northern Neck Insurance?

We partner with over 130 independent agencies throughout the State of Virginia to specifically take care of your insurance needs. Our agencies are located where you are and are chosen to represent Northern Neck because of the quality of service they provide our customers.

Does Northern Neck Insurance offer policies in States other than Virginia?

We are a Virginia only Mutual Insurance Company and do not write outside of the Commonwealth of Virginia.

Why is Northern Neck a Mutual Insurance Company and how does that benefit me? 

Northern Neck Insurance Company was originally chartered as Northern Neck Mutual Fire Association of Virginia by a special Act of the Legislature of Virginia in 1896. As a mutual insurance company we are not publicly traded and therefore have no shareholders. Instead, policyholders are the ones who share in ownership of the company. With a mutual insurance company, customers who purchase their insurance products - such as homeowners insurance - are entitled to vote in the board of directors elections. These policyholders have the right to expect that the company's highest priority is to safeguard their interests. So, when a customer purchases a Northern Neck Insurance Company policy they are receiving a quality product from a financially strong and reliable company that they have a stake in.

If you have another question please use the form below and we will get back to you right away.

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