Insurance in Bedford County, VA with Hometown Service and Options
Coverage You Can Count on in Bedford County
From farmland and lakefront homes to family-run businesses in town, Bedford County has a wide mix of insurance needs—and we’re here to help with all of them. At Hedges Insurance Agency, we offer
insurance in Bedford County, VA backed by real relationships, not big-box call centers. Whether you live in Forest, Montvale, Huddleston, or Bedford proper, we’ll help you protect what matters most with policies built around your life, your goals, and your budget. As an independent,
woman-owned agency based right here in Central Virginia, we understand what local property owners and business owners face—and we’re easy to reach when you need answers.
What We Insure in Bedford County
Our agency serves both personal and commercial clients throughout Bedford County. We offer
auto insurance, motorcycle, RV and off-road vehicle coverage, homeowners insurance, renters insurance, life insurance, and pet policies. For business clients, we provide
general liability, workers’ comp, commercial auto, property insurance, and bonds. If you’re not sure what kind of coverage you need, we’ll help you sort it out without pressure. Many local clients appreciate that they can review all their coverage—home, car, life, and business—in one place with a team they know.
Trusted by Families and Businesses Across Bedford
From downtown storefronts to
homes near Smith Mountain Lake, we help Bedford residents stay protected with local insight and fast response times. We’re familiar with common claim scenarios in the area—like wind and hail damage, property line disputes, or
business contract bond requirements—and we tailor your policies accordingly. Our goal is to keep you well-covered and well-informed so you can move through life or business with confidence. When you call, you speak to someone local—someone who’s likely driven past your street or done business with a neighbor. That’s how we’ve built lasting relationships across Bedford County for over two decades.
Frequently Asked Questions About Bedford County Insurance
Can you insure properties near Smith Mountain Lake?
Yes. We work with homeowners and rental property owners throughout the Smith Mountain Lake area. We’ll help you navigate unique risks like seasonal occupancy and water-related exposures.
Do you offer business insurance for Bedford-area contractors?
Absolutely. We insure general contractors, HVAC professionals, electricians, and other tradespeople with liability, workers’ comp, and commercial auto coverage.
What if I live outside the town of Bedford?
No problem. We serve all of Bedford County, including smaller communities like Big Island, Goode, and Thaxton. Remote doesn’t mean out of reach.
Do you handle home and auto bundles?
Yes. We’ll help you compare bundled policies to potentially lower your rates and simplify your billing—without giving up personalized service.
Can I visit your office in person?
Our main office is located in Lynchburg, but we serve Bedford County residents by phone, email, and virtual appointments. We’re happy to accommodate your schedule.
Let’s Get You Covered, Close to Home
You don’t have to travel far to get reliable insurance advice. Whether you’re updating coverage, buying a home, or insuring your business, our local team is ready to help with answers that make sense—and policies that fit your life in Bedford County.