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Best Homeowners Insurance Agencies in Lynchburg

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Blue Ridge Insurance logo
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Blue Ridge Insurance

14805 Forest Road, Forest, VA 24551
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  • Multiple Policy Types

Business Description

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.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
4.9 / 5 (201)
Facebook
5.0 / 5 (49)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
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Campbell Insurance logo
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Campbell Insurance

801 Main St Suite 400, Lynchburg, VA 24504
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  • Renter's Insurance
  • Multiple Policy Types
  • Personal Property Insurance
  • Multiple Carriers

Business Description

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.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Facebook
5.0 / 5 (26)
Google
5.0 / 5 (10)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Insurance Consultants of Lynchburg logo
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Insurance Consultants of Lynchburg

22174 Timberlake Rd M, Lynchburg, VA 24502
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  • Multiple Policy Types

Business Description

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.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
5.0 / 5 (41)
Facebook
5.0 / 5 (10)
Yelp
5.0 / 5 (1)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Leech & Hicks, Inc. Insurance logo
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Leech & Hicks, Inc. Insurance

2504 Langhorne Road, Lynchburg, VA 24501
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  • Multiple Policy Types

Business Description

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.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.9
Google
4.9 / 5 (44)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Mallori Teegarden - State Farm Insurance Agent logo
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Mallori Teegarden - State Farm Insurance Agent

114 Tradewynd Drive, Lynchburg, VA 24502
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  • Multiple Policy Types

Business Description

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.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.9
Google
4.8 / 5 (41)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Parker, Shelton & Associates Inc. logo
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Parker, Shelton & Associates Inc.

25 Greystone Dr Ste 7, Lynchburg, VA 24502
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  • Personal Property Insurance
  • Multiple Policy Types

Business Description

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.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.5
Facebook
5.0 / 5 (2)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
4.0
Responsiveness
Friendliness
Helpfulness
Detail
––
The Sitzler Company, LLC logo
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The Sitzler Company, LLC

18805 Forest Road, Lynchburg, VA 24502
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  • Multiple Policy Types

Business Description

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.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.9
Google
4.9 / 5 (12)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
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Frequently Asked Questions

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 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.

What is the difference between home warranty and homeowners insurance?

Homeowners' insurance protects your home and property from damage from events that include storms, theft, and fires. A home warranty covers repair costs for parts of your home that eventually breaks down. For example, if a fallen tree damages your roof, it's typically covered by insurance, not the warranty.

Does Geico offer homeowners insurance?

Because auto insurance is Geico's focus and where they invest the most in advertising, many people know the company only as a car insurance provider. On the contrary, Geico does offer a range homeowners' insurance policies that cover dwellings, personal property, and personal liability, among other provisions.

How long does homeowners warranty insurance last?

Home warranties vary based on the provider of the coverage, but most home warranties last for one year. Once they run out, homeowners have the option of renewing the warranty or letting it lapse. If a covered item breaks down after the warranty period is over, repair costs won't be reimbursed.

Does homeowners insurance cover water heaters?

Homeowners' insurance doesn't cover water heaters when they break down from normal wear and tear. An insurance policy may cover water damage to your home and property if it malfunctions, and if the water heater is damaged by a fire or an accident, home insurance may provide the costs to replace it.

Are RVs covered under homeowners insurance?

Usually, an RV is covered under your homeowners' insurance, but that coverage will probably be subject to several exceptions and contingencies. For example, if you want to drive your RV, you'll either need car insurance or specialized RV insurance since the risks you'll face on the road do not fall under a homeowner's policy.

Do new buyers need owner\'s title insurance on a new home?

There are unique risks that a buyer of a new home may face. For example, property claims from previous owners or liens from suppliers whom the homebuilders never paid during construction. Title insurance protects the home from these perils, and your mortgage lender may require it.

Do owner builders need home warranty insurance?

In the United States, owner builders are not required to have home warranty insurance. If you're the one who built your home, you're expected to incur the costs of repairs yourself if a structure or appliance breaks down.

Are dogs deaths covered in homeowners insurance?

Usually, the loss of a dog or other pet is not covered by your home insurance. However, many insurance providers offer riders — packages of added coverage — for pets called pet insurance. This ensures that medical costs and property damage caused by your pets are fully covered.

Are earthquakes covered in standard homeowners insurance policies?

Standard homeowners' insurance policies do not cover damage directly caused by earthquakes. Insurance will sometimes cover indirect damage, however. For example, if an earthquake causes a fire in your home, damage from the fire will be covered under a standard home insurance policy.

Are homeowners insurance and car insurance deductible?

Homeowners' insurance and car insurance premiums are not deductible as personal expenses on your taxes. However, some percentage of your premiums may be deductible as business expenses if you own a business and use your car and home for business purposes. This may vary between states.

Are homeowners insurance payouts taxable income?

If you file a claim after a burglary at your home, for example, the insurance company will assess the value of the property lost or damaged and reimburse that amount. This payout is not taxable because it's not income — it's a replacement of lost value.

How frequent should one change auto or homeowners insurance to another provider?  

If you find home and auto insurance policies that you're happy with, you may never want to switch. However, various providers offer different combinations of coverage and price, so you may want to assess all your options every few years.

What should a homeowners insurance include/cover?

A homeowners' insurance policy should cover the dwelling, personal property inside and some outside, other structures on the property, and liability. For example, it should cover medical bills if a guest sustains an injury. Not all of these coverages are included in every policy.

How much homeowners insurance should someone carry?

How much insurance you need depends on the size of your home, its age, and other unique factors. Standard insurance policies cover around 70% of the total value of your home and additional covered property. Most policies that offer premises liability include $100,000 in liability coverage.

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