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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.  All members, agents, and staff of the Northern Neck team require the products and services we offer, which is why we dedicate extra attention to every aspect of our work. Our primary motivation is caring for our Virginia neighbors, not shareholder profits.

Currently, you can only purchase auto insurance with us with an accompanying  Northern Neck Insurance homeowners or renters insurance policy. Not only does it make managing your insurance easier, but it also brings you extra savings. When you purchase our auto and home insurance policies within 60 days of each other, you can take advantage of a 25% discount on your car insurance and an additional 10% off your homeowners insurance or renters insurance. 

Insurance endorsements modify your existing policy. They can:

• add additional coverage like flood or earthquake insurance.
• limit or exclude coverage like trampolines, an older roof, or other liability to limit risk.
• add or remove people from your policy.
• add or remove locations from your policy.

Our service line endorsement is coverage for underground utility lines and wiring that run from your house to the street for an extra $35 in annual premium. Costly damage to these lines can be caused by tree roots and ruptures and are responsibility of the homeowner. Coverage can pay for excavation and repair to the utility line, walkways, driveways, and affected landscaping. 

Our equipment breakdown coverage assists in repairing or replacing permanently installed home equipment that malfunctions or fails due to unexpected events, like lightning strikes. It does not cover normal wear and tear or damage resulting from neglect or inadequate maintenance.

We understand that premium increases are frustrating. Factors independent of accidents, tickets, and claims can impact an insurance rate, including age of driver, adding new drivers to the policy, changes in coverage, inflation, and the cost of home and car repairs in your area. 

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.

Homeowner premiums are calculated individually for each policyholder and are based on a number of different factors, including the age, value, geographic location and correlating risk, 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.

Factors that impact auto insurance rates include:

• driver age
• driver experience
• car make and model
• how your car is used on a daily basis
• driver history
• claims history
• geographic location

It’s important to recognize when it makes sense to review your coverage for savings and when cheap insurance is not the best idea, such as compromising service. We have smart ways to save on your insurance.  Talk with your home insurance agent to discuss how to save money on your home insurance rates.

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.

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!

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 can 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!