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northern neck Virginia Insurance
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    Coverages

    Rural Estate Insurance

    with your homeowners policy

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    Extra protection for your lifestyle farm

    Virginia culture is known for its "gentleman's farming", which is experiencing a resurgence in recent years. Standard homeowners policies do not cover small farms, so we created a special endorsement to give you the extra coverage you need. 

    Our coverage is designed for small farms used for personal pleasure rather than for profit. 

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    Understanding our rural estate endorsement

    Your standard homeowners insurance gives your property protection, but only up to a certain amount. Our rural estate coverage is a supplemental endorsement to your Northern Neck homeowners policy.

    This add-on coverage provides dwelling and liability protection for non-commercial properties. Here are a few details:

    1. Eligible farming protection

      Blanket coverage for farm buildings, livestock, and equipment protection, including horses, cows, sheep, pigs, chickens, cattle, hay, grain, and field crops.

    2. Liability exposure coverage

      Personal liability protection for personal use farming properties excluding commercial activities such as showing, breeding, boarding, training, or retail selling.

    3. Ineligible exposures

      Vacant farms, historic properties, bed and breakfast or farm experience operations, tobacco growing, U-Pick or U-Cut farms.

    Get rural estate insurance

    Talk to a Northern Neck Insurance expert today to help find the coverage that’s right for you.

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    Rodney S

    Independent Insurance Agent

    Customer Reviews

    • 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

    • Stephanie C.

      Had a small accident with someone insured by Northern Neck. My experience with then was quick, easy, and got my car on the way to repair without issue. Appreciated how easy it was! Thank you!

      2025-01-09

    • Paula M.

      Damages from Hurricane Helene were taken care of very professionally and with great care of the policyholder.NNI staff were the best; so empathetic and concerned about the client.

      2024-11-25

    • Denise C.

      The insurance company took very good care of me and my family in our time of need. They were very friendly and accommodating. We are pleased with the entire experience.

      2024-11-04

    • Sue A.

      It was great!! And really fast. Our adjuster was very nice and responsive to our questions. It was a very good experience! Thank you!!

      2024-09-07

    • Mabel A.

      Lady I spoke with was very helpful, courteous, and professional.Once I did my part which was easy the whole process took only 2-3 business days. Thank you

      2024-08-15

    • Claudia S.

      James was a delight. Very kind, very professional, very polite, very much like I hope my children work with others. I was a little wary of his visit but it was a pleasure.

      2024-08-06

    Common questions about the rural estate endorsement

    1. Standard home insurance policies may not cover your small farm. For example, if severe weather damages your farm equipment or someone steals your animals, it may not be covered.

      You also are get extra liability protection with the rural estate endorsement. For example, imagine your horse kicks and injures a neighbor's child and you are sued for medical damages. The rural estate coverage can protect you.

    2. Insurance endorsements modify your existing policy. They can:

      • add additional coverage like this rural estate 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.

    3. Our rural estate coverage has certain requirements. Your local agent can help you navigate them. To name a few, a property must:

      • have a Northern Neck home insurance policy with 100% replacement cost.
      • have a minimum of 200 amps electrical servicing the property dwelling.
      • be a one or two family dwelling; mobile homes, doublewides, log homes, and secondary homes are excluded.

    4. Rural estate insurance won’t provide additional auto insurance coverage. If you’re using your vehicle for farming, you may need additional auto insurance coverage.

       

    * Good Counsel is Key - Our goal is to be helpful, but this information is never intended to replace the counsel of a licensed insurance advisor. Coverage varies from carrier to carrier and policy to policy. Claims are subject to the terms of your individual policy and are evaluated for coverage based on individual loss facts. Always seek the advice of an insurance professional when it comes to decisions and answers about your coverage. We’re happy to connect you with our knowledgeable insurance experts or an independent agent in your Virginia community.

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    local, affordable, personable

    Because that’s the way insurance should be

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