Frequently Asked Questions

Need help? We have answers!

• Member FAQs

• Homeowners Insurance FAQs

• Car Insurance FAQs

---

 

SHOPPING WITH NORTHERN NECK INSURANCE

• Where is Northern Neck Insurance available?

  We only insure in the state of Virginia by choice, offering personal coverage throughout the commonwealth with the help of Virginia’s best independent insurance agents. Our local roots are complemented by the fact that our company is owned by and operated for the benefit of our members and fellow Virginians. We believe that our community-based mutual business model elevates us above other insurance companies.  Everyone in the Northern Neck family – members, agents, and staff – has a need for the products and services we provide so we put extra care into everything we do. Our primary motivation is caring for our Virginia neighbors, not shareholder profits.

• Why does my insurance keep increasing when I haven't had any accidents, tickets, or a home claim?

  We understand that premium increases are frustrating. We encourage you to contact your local independent agent to determine the cause and check to see if anything can be done to lower your premium. We have some great discounts, especially when you bundle your coverages. We also encourage you to read more about what’s affecting car insurance rates and what’s affecting home insurance rates.

• What factors does Northern Neck Insurance consider for my property or home insurance?

  Geographic location and correlating risk Construction details Age of insured Age of your home

• What does Northern Neck insurance consider when determining my rate for car insurance?

  Factors that impact auto insurance rates include: Age Driving experience Car make and model How your car is used on a daily basis Driving history Claims history Geographic location Credit history

• How can I save money on my home and car insurance?

  We have smart ways to save on your insurance. It’s important to recognize when it makes sense to review your coverage for savings and when cheap insurance is not the best idea. Consider excellent levels of service you will receive with Northern Neck Insurance. Talk with your home insurance agent to discuss how to save money on your home insurance rates.

• How do you calculate the cost of a Northern Neck homeowners policy?

  Homeowner premiums are calculated individually for each policyholder and are based on a number of different factors, including the age, value, condition, and construction quality of your home, as well as your insurance history, previous claims and more. Factors that affect your homeowners insurance rate include: Amount of coverage: the more coverage you add, the higher your premium. Deductibles: the higher deductible you choose, the lower the premium, and the higher your out-of-pocket for a claim. Condition of home: better-maintained homes in localities with municipal fire services cost less to insure. Insurance history and claims will increase your price and may even prevent us from being able to cover you. Protective devices such as deadbolts, burglar alarms, and smoke alarms will get you a discount. Bundling your homeowners coverage with other Northern Neck Insurance products, such as auto insurance, will get you a generous discount. Paying your auto insurance premium in full annually will reduce your premium.

• Can I switch to Northern Neck Insurance if I already have an active homeowners insurance policy?

  Yes, you can, and your local agent can advise you. You can request that your prior policy be canceled on or after your new policy's effective date. This prevents any lapses in coverage. If you have an escrow account, you must inform your lender that you're switching home insurers. You may also receive a refund check from your prior homeowners insurance company if you cancel your policy before it expires, reimbursing you for the coverage you already paid for. We are happy to start your quote today!

• Should I bundle home and auto insurance?

  Bundling insurance products is one of the best ways to save money when buying personal property insurance. When you consider all your family's assets and insurance needs together, you can find just the right combination of protection. That's why we specially designed our pricing to reward households with two or more policies. When you get a quote and purchase NNINS policies within 60 days of one another, you get the following: A 25% discount on your Car Insurance with an existing homeowners policy. An extra 10% off your Home Insurance or Renters Insurance with that auto policy. You also qualify for an additional 5% credit for a personal liability insurance policy. Umbrella insurance can protect you with extra liability coverage for you and family members after your home, renters, and auto policy limits tap out, up to $1,000,000.

• You say you have great prices- why did I get a quote that's higher than my insurance carrier?

  When we say we have great prices, we mean it. While our Virginia insurance prices tend to be lower than many other insurance companies, that won’t always be the case. Insurers use different models and data sets to establish prices, and on occasion, our rates will be higher than those of another insurer. The good news is we have really great ways to save. We give up to a 25% discount just for bundling home and auto insurance!

Still have questions?

If you have a question, please use the form below and we will get back to you within one business day.

Please note: If you are a Northern Neck Insurance policyholder and want to make any changes to your policy, you must contact your agent. Changes to your policy cannot be made or bound by email.