Homeowners Insurance in Lynchburg, VA Built Around You

Coverage for Your Most Important Investment

Your home isn’t just your biggest purchase—it’s the center of your life. At Hedges Insurance Agency, we provide homeowners insurance in Lynchburg, VA that reflects the real value of your home, your belongings, and your peace of mind. As an independent, woman-owned agency, we help homeowners across Central Virginia compare top-rated carriers and find coverage that fits. Whether you own a downtown Lynchburg colonial, a farmhouse in Bedford County, or a new build in Forest, we’ll make sure your policy addresses risks like fire, theft, weather damage, and liability. We take the time to explain every option and answer every question—because home insurance should never feel like a guessing game. Our job is to protect what matters most with clarity, flexibility, and fast service whenever you need us.

Family poses in front of a house: father with child on shoulders, mother holding a baby, autumn leaves.
A small house sheltered by a large yellow umbrella from the rain.

What Your Home Policy Can Cover

A standard home insurance policy typically includes dwelling coverage, personal property, liability, and loss of use—but that’s just the beginning. We’ll help you understand what’s covered and what isn’t, from roof replacement after a hailstorm to replacing appliances damaged by a power surge. Optional coverage like water backup, equipment breakdown, and valuable item protection can be added based on your needs. If you work from home, rent a room, or own a second property, we’ll help you customize your coverage accordingly. Our team works closely with underwriters and claims adjusters to ensure policies reflect real-world risks, not just general templates. We’ll also guide you through bundling with auto or life insurance if it fits your budget and needs. With Hedges Insurance Agency, every recommendation starts with a conversation—not a sales pitch.

Serving Homeowners Across Central Virginia

We’re proud to work with homeowners in Lynchburg and the surrounding counties of Bedford, Amherst, and Campbell—whether you’ve lived here for decades or just closed on your first home. Our team understands the specific risks tied to this region, including storm runoff, older foundations, and rural accessibility. From properties near Peaks View Park to farms outside Rustburg, we help clients get the right protection without paying for unnecessary extras. Because we’re local, we respond fast when things go wrong—and we’re not going anywhere when they do. When you work with Hedges Insurance Agency, you’re not dialing a call center; you’re getting real answers from people who know the areaand care about your outcome. We believe good insurance should feel like part of your community, not just part of your bills.

Frequently Asked Questions About Homeowners Insurance

  • How much home insurance do I need in Virginia?

    You should carry enough dwelling coverage to fully rebuild your home at today’s construction costs. That amount may differ from market value or what you paid for the home. We help you calculate the right figure based on square footage, materials, and local rates.

  • Does home insurance cover flood damage?

    No, standard homeowners policies do not include flood coverage. If you're in a flood-prone zone or near bodies of water like the James River, we’ll discuss a separate flood insurance policy and help you weigh your risk.

  • What discounts are available for home insurance?

    Common discounts include bundling with auto, security system installation, new home construction, and loyalty perks. Some carriers also reward claims-free histories and updated roofs or HVAC systems.

  • Can I get homeowners insurance with a trampoline or pool?

    Yes, but you may need additional liability coverage or safety measures in place. Each carrier has different requirements, so we’ll walk you through how it impacts your policy and premiums.

  • What’s not covered by standard homeowners insurance?

    Most policies exclude damage from floods, earthquakes, sewer backup, and gradual wear and tear. We’ll review common gaps and optional riders to protect against those exposures.

Home Insurance Underwriting Questionnaire

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Let’s Make Sure You’re Covered

Protecting your home starts with understanding it. At Hedges Insurance Agency, we help you move beyond generic policies and into coverage that fits your life, your property, and your peace of mind. If you have questions about what your current policy includes—or what it doesn’t—we’re happy to review it with you. From custom quotes to fast claims follow-ups, we’re ready to help however you prefer: call, click, or stop by.