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2024

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Best Homeowners Insurance Agencies in Lynchburg, VA

Our Recommended Top 7

We did the research for you!

  • Licensing
  • User Reviews
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Our goal is to connect people with the best local professionals. We scored Lynchburg Homeowners Insurance Agencies on more than 25 variables across five categories, and analyzed the results to give you a hand-picked list of the best.

52Reviewed

34Curated

7Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

2504 Langhorne Road, Lynchburg, VA 24501

Expertise.com Rating

Review Sources

Google
4.9 (44)

Why choose this provider?

Leech & Hicks, Inc. Insurance is an insurance agency based in Lynchburg that has been serving clients throughout the state for over 50 years. With access to over 20 different insurance providers, the professionals at this agency analyze the marketplace to better provide homeowners' insurance coverage comparisons to the client. The standard coverage includes dwelling, personal liability and medical payments, and other structures. Leech & Hicks also offers auto and boat insurance. It also handles SR-22 and FR-44 instant filings.

  • Multiple Policy Types

114 Tradewynd Drive, Lynchburg, VA 24502

Expertise.com Rating

Review Sources

Google
4.8 (41)
Yelp
5.0 (1)

Why choose this provider?

Mallori Teegarden is a second-generation State Farm insurance agent that offers financial and insurance services in the Lynchburg area. A member of non-profit organizations, such as the Junior League and Lynchburg Morning Rotary Club, Teegarden actively helps the community's residents by educating them about investing in homeowners' insurance plans that can provide protection for their home properties and families. She also assists homeowners throughout the process of purchasing a home. Additionally, she offers auto, business, and life insurance policies.

  • Multiple Policy Types

801 Main St Suite 400, Lynchburg, VA 24504

Expertise.com Rating

Review Sources

Facebook
5.0 (26)
Google
5.0 (10)

Why choose this provider?

Campbell Insurance is a local insurance agency that has been serving Lynchburg and the surrounding areas for over 100 years. The agency offers several insurance products, including homeowners' insurance policies, which protect owners in case of theft or disaster-induced losses to their house, other structures, and personal belongings. It also offers separate policies for secondary homes or extended coverage. Founded in 1918, Campbell Insurance has been an employee-owned agency since 2010.

  • Renter's Insurance
  • Multiple Policy Types
  • Personal Property Insurance

25 Greystone Dr Ste 7, Lynchburg, VA 24502

Expertise.com Rating

Review Sources

Google
5.0 (29)
Facebook
5.0 (2)

Why choose this provider?

Parker, Shelton & Associates Inc. was created in 2019 when Brad Parker, Steve Shelton, and Kelly Shelton merged their insurance agencies. Steve has been providing insurance products and services to clients around Lynchburg since 1990. Included in the products the company provides is home insurance, which covers the client if an unexpected event occurs. Aside from personal possessions at home, the agency will also check insurance discounts to help clients save. The agency's other products include car, life, and business insurance.

  • Personal Property Insurance
  • Multiple Policy Types

22174 Timberlake Rd M, Lynchburg, VA 24502

Expertise.com Rating

Review Sources

Google
5.0 (41)
Facebook
5.0 (10)
Yelp
5.0 (1)

Why choose this provider?

Insurance Consultants of Lynchburg was established in 1989 as an independent insurance agency. The homeowners' insurance of the agency protects the tangible assets of its clients. It can cover the cost of replacing personal property its clients lose due to an unexpected disaster. Homeowners' insurance also protects its clients from lawsuits from persons who suffered injuries in their homes. Additionally, its clients can choose to get a named-perils insurance policy or an all-risk insurance policy from the agency.

  • Multiple Policy Types

14805 Forest Road, Forest, VA 24551

Expertise.com Rating

Review Sources

Google
4.9 (201)
Facebook
5.0 (49)

Why choose this provider?

Blue Ridge Insurance is a Lynchburg-based insurance firm specializing in homeowners' insurance coverage. Its founder, Brian Noegel, is a Certified Insurance Counselor and has decades of experience in the insurance industry. Noegel and his team of professional agents are dedicated to advising families and individuals on selecting the most appropriate insurance policy for their needs. They also offer umbrella insurance for those seeking additional protection against liability claims for non-resident damages. Blue Ridge Insurance was established in 2002.

  • Multiple Policy Types

18805 Forest Road, Lynchburg, VA 24502

Expertise.com Rating

Review Sources

Google
4.9 (12)

Why choose this provider?

The Sitzler Company, LLC, is an insurance agency based in Lynchburg that offers coverage options to homeowners throughout the state. Its equipment breakdown coverage covers the high cost of repairs in case of disasters. The company also offers service line coverage, which insures the home's foundation such as buried utilities, water line, and sewer or septic line. The Sitzler Company also has access to companies that provide farm, business, and personal insurance products.

  • Multiple Policy Types

Compare our Top Homeowners Insurance Agencies

NameExpertise RatingAddressPromotionsLearn more
Leech & Hicks, Inc. Insurance
2504 Langhorne Road, Lynchburg, VA 24501
Mallori Teegarden - State Farm Insurance Agent
114 Tradewynd Drive, Lynchburg, VA 24502
Campbell Insurance
801 Main St Suite 400, Lynchburg, VA 24504
Parker, Shelton & Associates Inc.
25 Greystone Dr Ste 7, Lynchburg, VA 24502
Insurance Consultants of Lynchburg
22174 Timberlake Rd M, Lynchburg, VA 24502
Blue Ridge Insurance
14805 Forest Road, Forest, VA 24551
The Sitzler Company, LLC
18805 Forest Road, Lynchburg, VA 24502

FAQs

  • Introduction

    Homeowners' insurance is a type of property insurance used by private property owners to protect their home and property from a range of risks and liabilities. It is also called home insurance.

    All homeowners' insurance policies cover the primary home on a property, meaning that most damage from weather, accidents, vandalism, and other events will be at least partially paid for by the insurance company. Many policies also include coverage for other structures, personal property, and some premises liability.

    It is not required by law that a homeowner purchases insurance for their property. However, if you have a mortgage, the lender will usually make purchasing a homeowners' policy a mandatory part of the loan process. Since the mortgage lender is essentially selling you the home, they require you to protect the investment.
  • What does it mean in Lynchburg if a homeowners insurance agent is independent?

    In Lynchburg, an independent homeowners insurance agent is one who is not beholden to any single insurer when it comes to shopping around for clients. The professional is free to pick between an unrestricted selection of assurance products and select whichever combinations will be appropriate for the client's needs.

  • How can clients in Lynchburg save money on homeowners insurance?

    Clients in Lynchburg can save money on homeowners insurance by bundling together several products like car and home assurance since both plans will be sold at reduced rates. Loyalty discounts are possible. Also, a property owner may install safety equipment because this reduces the risks that the insurer has to cover.

  • What are the common optional coverages that residents of Lynchburg look for in homeowners insurance policies?

    Residents of Lynchburg who are shopping for homeowners insurance commonly look for optional coverage concerning cyberattacks and identity theft. They look for indemnity covering the removal of trees and debris after a storm. Clients also seek protection from snow damage and the wear and tear on heating and cooling units.

  • How can an umbrella insurance policy supplement a Lynchburg resident's homeowners plan?

    An umbrella policy supplements existing homeowners insurance plans in Lynchburg by increasing the indemnity limits for torts on the latter. Usually, regular assurance contracts have an upper limit on how much the insurer will cover should an accident happen. An umbrella plan increases this upper limit should the homeowner be involved in a civil action for damages.

  • Is it true that an all-risk homeowners insurance policy covers every peril that could occur in Lynchburg?

    It is not true that an all-risk homeowners insurance policy covers every peril that could occur in Lynchburg. While these contracts have a broader scope compared to named-perils plans, the contract still contains exclusions that the insurer will not pay for. The advantage of all-risk insurance is that the insurer has to prove the applicability of the exclusion instead of the insured having to prove the hazard’s inclusion.

  • What determines the price of homeowners insurance premium?

    The premium, or monthly cost, of your homeowners' insurance policy depends on several factors, including the value of your home and amount of coverage you choose. Your credit history and whether the property is in a higher risk area also play a role.

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