What we protect
Coverage for home & farm
A full line of property, farm and personal coverage — written locally and backed by nearly 150 years of Virginia mutual insurance.
Home & property
Home & property coverage
Homeowners
Protects the home itself and related structures like a garage, workshop or gazebo, plus personal property such as clothing, furniture and appliances. Includes Additional Living Costs if a covered loss makes your home uninhabitable, Personal Liability, and Medical Payments to Others. Many endorsements are available — food spoilage, water backup from sewers, drains and sumps, earthquake, identity fraud, and expanded coverage for guns, jewelry or computers. Discounts for new homes, alarms and smoke detectors.
Mobile & Manufactured Homes
Single- and double-wide homes, in a park or on your own acreage, on any foundation type. Loss settlement is based on Actual Cash Value, with Replacement Cost available by endorsement for qualifying homes. Includes related structures, personal property, Additional Living Costs, Personal Liability and Medical Payments — plus discounts for new homes, alarms, smoke detectors and continuous masonry foundations.
Renters
Even though your landlord insures the building, your belongings are yours to protect. Renters coverage pays for clothing, furniture, appliances and more if stolen or destroyed by a covered peril, and adds Additional Living Expenses, Personal Liability, and Medical Payments to Others.
Condominiums
Coverage whether you live in your condo or rent it out. Protects your personal property and the built-in features — cabinets and appliances — you are responsible for under your association agreement, plus liability protection for injury or damage caused by you, your family or even your pet.
Rental / Landlord Property
Homeowner-level protection for your investment property: the dwelling, related structures, landlord-owned furnishings, and Fair Rental Value if a covered loss makes it unlivable. We also insure risks a homeowner policy will not — vacant, seasonal, secondary or under-construction dwellings — on a basic-to-special perils basis, with Actual Cash Value or Replacement Cost settlement. General or Farm Liability can be added.
Farm & agriculture
Farm coverage since 1876
Farm Property
We have insured Valley farms since 1876. Coverage for barns, silos, implement sheds, granaries, workshops, drying structures, poultry houses, milking parlors, building contents, and hay, straw or produce in the open — across field crops, fruits and vegetables, poultry, livestock, dairy, orchards and equine. From incidental coverage all the way to full custom farming, plus a farm liability package for your operations.
Farm Equipment & Livestock
Insures farm machinery, vehicles, tools, supplies and equipment of all kinds — including borrowed equipment and heavy equipment like backhoes, spreaders and bulldozers — within 100 miles of the farm, on a blanket or itemized basis. Livestock (cattle, sheep, swine, horses, goats and more) is covered against fire, lightning, wind or hail, explosion, vehicles or aircraft, smoke, vandalism, theft, collision, electrocution, collapse, accidental shooting, drowning, and dogs or wild animals.
Personal & Farm Liability
Personal liability applies anywhere in the world, protecting you and your family if someone claims you caused bodily injury or property damage — including medical payments to others and legal costs. Farm liability, a critical part of protecting your farm, covers liability from farm, business or personal exposures and accidents involving visitors or vendors, helping shield your farm, home and property from costly lawsuits.
Added protection
Extra coverage worth having
Home Systems Protection
Equipment breakdown coverage for the heart of your home. When your heating, air conditioning or electrical panel accidentally breaks down — usually at the worst possible time — this pays the service call and the actual cost to repair or replace the system. Ask your agent for details.
Identity Recovery & Fraud Coverage
Combines identity theft insurance with services that restore your credit history and identity records to pre-theft status: recovery services, an identity theft help line, a personal case manager, expense reimbursement and fraud coverage. Credit card companies may cover fraudulent charges — but not the costly, time-consuming work of repairing the damage.
Service Line Coverage
As a homeowner you may be responsible for the underground power, communication, water and sewer lines running outside your home. This coverage pays for physical damage to those exterior underground service lines — now available on your policy.
Inland Flood
Flood is the most frequent natural disaster in the U.S., and about 20% of claims come from low-to-moderate risk areas — averaging $27,000. Offered as an endorsement to our Homeowners, Dwelling Fire and Mobile Home policies, Inland Flood provides a broad range of flood coverage, including losses excluded from other policies.
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Not sure what you need?
Your local independent agent will review your home and farm and build the right coverage for you — no pressure, just neighborly advice.