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northern neck Virginia Insurance
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    Home Insurance for Richmond, VA

    Comprehensive Homeowners Insurance Coverage for Richmond Residents

    Homeowners insurance is there to protect your future and assets. Homeowners in Richmond, VA deserve the best protection for one of their most important investments: their home. Our homeowners insurance policies for Richmond residents cover you when you need it the most without breaking the bank through
    bundling and other ways to save on insurance.

    Homeownership can be unpredictable. That's why we’ve designed some of the best homeowners insurance in the business for Richmond dwellers. When you have a loss that is covered by a Northern Neck policy*, our homeowners policies will take care of:

    • Dwelling Protection

      Rebuild or repair

      your home after a fire or major storm

    • Personal Property Coverage

      Replace your belongings

      if destroyed or stolen

    • Liability Protection

      Pay for injuries and damages

      that occur on your property

    • Additional Living
Expenses

      Cover your housing expenses

      if you cannot live in your home

    As a Richmond homeowner, finding the right Virginia homeowners insurance policy for your unique needs might feel overwhelming. That’s why we’re here - to help make things simple by creating a homeowners insurance policy that gets you the right protection for your home at the right price.

    Virginians protecting Virginians

    What makes a Northern Neck Insurance homeowners insurance policy different from other insurers? We’re just like you – Virginians. We know what it takes to protect a home in Richmond, because many of our agents are your neighbors and we've been helping Virginians since 1896.

    From "am I covered?" to "is this a good rate?" to "a tree fell on my house, now what?" – we’re here for you. When you call our team, either at our headquarters or one of our independent agents across Virginia, you'll get a friendly, local expert ready to help you with:

    • Filing claims
    • Getting things repaired or replaced
    • Coverage questions
    • Tips on protecting your home, saving money, and more.
    Ready to go local? Let's find an agent
    Ready to go local? Let's find an agent

    Smart Home Insurance Discounts for Richmonders

    Our homeowners policies give you the right level of protection without breaking your budget. When you insure locally with us, you'll earn special member discounts on top of our already affordable insurance rates, such as:

    • Bundling your coverages
    • Safety equipment
    • Loyalty discounts

    Unique circumstances? That’s our specialty

    We understand that homeowners insurance isn’t one size fits all across the Commonwealth. Here are common coverages that our Richmond homeowner members often choose:

    • Temporary living arrangements If your home is no longer habitable due to a covered loss
    • Tree and debris removal after a storm
    • Cyber protection for your data and personal identity
    • Power, water, and sewer lines running to your home — plus cable and data lines
    • Repairs due to breakdown of household equipment like heating and air conditioning units, whole house generators, dishwashers, wall ovens, and more.
    • Earthquake damage to your home
    • Inland flooding

    Protection beyond your home

    Did you know that our insurance offerings go beyond home insurance? We also offer car insurance for Virginians, renters insurance in Virginia, as well as personal umbrella protection for those unexpected moments in life.

    Customer Reviews

    • Kelly L.

      Just had the BEST interaction with Miss Lisa at Northern Neck Insurance Company. I have had difficulty getting into the website ... Lisa was patient, kind and knowledgeable!! Thank you so much Lisa for all your help and NNIS you should be thankful to have an employee like Miss Lisa she was incredible! :)

      2025-02-28

    • Sterling L.

      Always great customer service. You can find insurance anywhere but you won't find better service than Northern Neck Insurance. Rich is a class act! Thanks for the dedication to your customers it means a lot.

      2025-01-31

    • Jake T.

      I got to work with Justin H. today for an adjuster meeting and was highly impressed! Justin was professional, prompt, thorough, and detail oriented. He even took the time to review over his reasoning and determination on coverage in person before leaving the home. I look forward to working with him more in the future!

      2025-02-26
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    Protect your Virginia property
    with the local experts.

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