- Great customer service.
- A variety of additional coverage.
- Several discounts offered.
- Only available in Virginia.
- No known premium information.
Northern Neck Insurance is a Virginia-based carrier serving over 65,000 households in the state. They have been in business for over 125 years and have plenty of experience in the insurance industry. They offer homeowners, renters, auto, and personal umbrella insurance. They are a mutual company, meaning the members are actually owners as well. Northern Neck prioritizes its members, offering a sense of community for all policyholders. One of its missions is to bring communities together.
They have a set of values listed online that sums them up as a company. Northern Neck is about taking care of people, building community, solving problems, and being inclusive. They use all of these principles to form a company that is said to truly care for its customers like they are family. This business model keeps customers happy and helps to provide peace of mind when buying insurance for life’s most valuable possessions.
By today’s standards, Northern Neck is still considered a smaller insurance company in the industry. They make it a point to only serve Virginia so they can perfect the products they have to offer, which is why they strive for a sense of community in everything they do. When you buy a policy from Northern Neck, you can expect a comprehensive level of care that should carry you through any hardship that you may encounter.
Northern Neck homeowners insurance coverages
When you purchase a homeowners insurance policy through Northern Neck, you will get the protection that covers a few key areas of the home. You will be compensated in case you must repair or rebuild your home, receive money to replace your personal belongings that are damaged, get medical payments for injuries or damages, and receive coverage for additional living expenses if you need to temporarily relocate.
These are all standard coverages that you need to make sure your home is fully protected from all perils. In case you want additional coverage, Northern Neck does offer this so you are able to build a customized policy that is suitable for your needs.
Additional coverages
There are packages you can get if you want to add additional coverage to your homeowners insurance policy. If your home was built in 1975 or newer, you can qualify for the Superior Homeowners Endorsement. This is a package that includes a variety of additional coverage.
- Credit card and counterfeit money
- Earthquake damage
- Water backup
- Sinkhole collapse
- Equipment breakdown
- Refrigerated property
- Personal injury
- Debris removal
These are all great coverages that are conveniently put together in a bundle for you to choose from. If you are not interested in all of these coverages, you might be able to ask an agent about getting a few of them instead.
Another great option is that Northern Neck sells umbrella policies and flood policies. These are separate options you can choose to help protect you. There is also cyber protection offered in case you want protection from online fraud threats and identity theft.
Northern Neck home insurance discounts
If you do want to save money on your insurance, Northern Neck offers discounts that you can apply if you qualify. These are the discounts they have listed online:
- Bundling your coverages
- Having fire and burglar alarms
- Being a loyal customer
If you have a homeowners insurance policy and bundle it with an auto policy, you can save 25% on your auto insurance. You get 10% off your homeowners insurance policy, so you are getting savings on both of them. If you choose to get an umbrella policy for the bundle, this earns you an additional 5% off of that policy when it is bundled.
Northern Neck homeowners insurance premiums
There is no premium information listed online, but Northern Neck is thought to have decent pricing. Customers have left reviews stating they have good deals, and they are able to save more money by applying discounts. The easiest way to figure out the cost of a policy is to work with an agent and get a quote. Northern Neck takes the age of the home, its value, and its condition into account when pricing its policies. This can also vary depending on any additional coverage you can choose.
Some of the customer reviews mention getting affordable competitive homeowners insurance rates from Northern Neck.
Claims experience
Most people who have had to file claims through Northern Neck have had positive experiences. In the reviews that were left, customers agree that the company is quick to communicate. Even when they had to leave voicemails, Northern Neck was efficient about calling customers back and checking on the status of the claims. This is an important factor to keep in mind because you need to be sure your insurance carrier is going to be there in your time of need.
There are a few negative reviews left regarding the claims department, but a majority of them are positive. It appears that Northern Neck is great to work with in case you do have to go through the claims process. A lot of customers state they would definitely recommend the carrier to others looking for homeowners insurance.
Customer service
The reviews left for Northern Neck regarding its customer service are also mainly positive. People feel they can count on the carrier in times of need. They appear to be very attentive in many different situations, which is great if you are a customer who needs to make a policy change or ask some basic questions.
According to the NAIC, the average complaint score for an insurance carrier is 1.0. Northern Neck scores high on this index, receiving only 0.16 on the index in 2022. There has only been one complaint on recording regarding the carrier’s homeowners insurance product, which is a great sign when it comes to customer service. The carrier upholds its great reputation for taking care of its customers like they are family.
Financial strength
BBB
Northern Neck has been accredited by the Better Business Bureau since 2013. They currently hold a score of A+ when it comes to financial strength, which is the highest score possible. The carrier is in great standing with its financial statistics.
AM Best
As of March 2023, Northern Neck has been upgraded by AM Best. They currently hold an A- rating, which is very good. The financial outlook for the future was also upgraded to stable, which is a great sign that the company is moving in the right direction.
The verdict
Northern Neck is a great insurance carrier located in and serving Virginia. They offer many different products and have a comprehensive homeowners insurance policy to protect your dwelling. If you need any additional coverage, they do offer endorsements in a package that is very helpful if you want a little bit more protection. You can also save money on your policy by applying one of the many discounts they have to offer.
When it comes to claims and customer service, Northern Neck has a great reputation. Customers are very happy with the carrier and how they handle these inquiries. This is a great sign when you are looking for a carrier to work with. As a company, Northern Neck is very financially stable and in good standing. If you are looking for a homeowners policy in the state of Virginia, you would benefit from going with this carrier.
