Coverage for the Commonwealth of Virginia

Our local agents can help you pick insurance that only covers what you need when you need it. We’re dedicated to providing personalized insurance for Virginians and showing our members ways to save along the way.

Homeowners Insurance

Local homeowners insurance for Virginians, by Virginians    

Whether you need coverage for inland flooding or house fires, homeowners insurance is there to protect your future. That's why we have created some of the best home coverages in the Commonwealth of Virginia. When you have a loss that is covered by a Northern Neck policy*, we will pay to: 

  • Rebuild or repair your home after a fire or major storm 
  • Replace your belongings if destroyed or stolen
  • Pay for injuries and damages that occur on your property
  • Cover your housing expenses if you cannot live in your home

Homeowners Insurance >


Car Insurance

Save on Auto Insurance in Virginia

As a Virginia insurance company, we want to bring your auto coverage back home. Virginia-based experts, dependable solutions, local love — that's our commitment to you when we provide you Virginia car insurance. We no longer offer stand-alone car insurance quotes, but our auto insurance policies can be bundled with other coverages including homeowners insurance, renters insurance, and more.

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Renters Insurance

Protect the stuff you love wherever it goes

When you rent, your personal belongings aren’t covered by your landlord’s insurance. But for a few dollars a day, you can protect yourself against theft, fire, and certain damage. We’ll pay to replace or repair the lost or damaged items. Better yet, our coverage follows your stuff wherever it goes, whether it’s in your car or a hotel halfway around the world. 

Plus, you’re covered for liability. So if a guest is injured in your apartment, you’re covered up to your liability and medical limits.

Renters Insurance >


Personal Umbrella Insurance

Protect your assets beyond standard insurance

You own a home and have built a financial foundation for the future. You want to keep those assets safe. Unfortunately, we live in a world where liability claims and medical settlements can cost millions of dollars. Umbrella coverage protects you against major claims that extend beyond your standard homeowner or auto coverages — protecting your hard-won assets.

Personal Umbrella Insurance >


Cyber Protection

Stay secure in a connected world

Cybercriminals are becoming more aggressive and their attacks more sophisticated. From email scams and cyberbullying to identity theft and tax fraud, cyber threats are growing in size and complexity. 

Cyber Protection >


Equipment Breakdown

Cover critical breakdowns

Today’s homes run a lot of equipment. That means more risk of breakdown. But most homeowner policies don’t cover critical home equipment breakdowns, so you’re on the hook if something goes wrong.

Real-life breakdown scenarios:

  • The compressor in your HVAC system seizes due to mechanical failure.
  • Your sump pump suffers an electrical malfunction while pumping water out from your basement.
  • Your permanently installed emergency generator suffers a sudden mechanical or electrical breakdown.


Service Line Coverage

Protection for costly insurance gaps

Did you know exterior underground service utility lines that run between your house and the street are the responsibility of the homeowner? Damage caused by a service line failure can cost thousands of dollars, and it’s not covered by a typical homeowners insurance policy. With Service Line Coverage, you can protect yourself from this potentially costly insurance gap.

Real-life service line failure scenarios:

  • Temperature drops during the winter and your water supply line ruptures.
  • Tree roots penetrate a utility line and physically damage it.

Service Line Coverage gives you an additional layer of protection beyond repairing the physically damaged service line. Excavation costs and repair to outdoor properties like lawns, shrubs, and driveways are also covered, in addition to loss of use.

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