Insurance for Madison Heights and Amherst County

Madison Heights and Amherst are just across the James River from Lynchburg. Our Lynchburg office is a quick drive down Route 29.

 

If you knew the Cary Cofer Agency, you already know where we are. That office joined Michael Bailey Agency in July 2026. Same address, same phone number: (434) 439-4814.

 

What Amherst County folks ask us about

 

Amherst County runs from busy Route 29 in Madison Heights to quiet country roads up toward the Blue Ridge. Your insurance should fit wherever you are on that map.

 

A few things worth a second look:

 

Homes, new and old: Has your dwelling coverage kept up with what it would cost to rebuild today? Building costs have changed a lot in recent years.

Rural property: Distance to a fire station and a hydrant can matter. Outbuildings, workshops and detached garages may need attention too.

Daily drives on Route 29: Commuting into Lynchburg every day adds up. Make sure your liability limits fit your life.

Boats, RVs and motorcycles: Weekend toys each need their own coverage. Don't assume your auto policy covers them.

Small businesses: From contractors to storefronts in Amherst, the right business coverage depends on how you work.

 

Here's why it matters. A policy you set up years ago may not match the life you have now. We'll walk through it with you, no pressure. Coverage varies by policy, so we'll show you exactly what yours includes.

 

Farmers, plus other options

 

We're a Farmers Insurance agency, and we also work with other carriers as an independent broker. That means more than one option when we're looking for a good fit. See our carriers page for the list.

 

What we can help with

 

Home, condo, renters and landlord insurance. Auto, motorcycle, RV and boat. Life insurance. Business and commercial coverage. Health insurance.

 

Stop by or give us a call

 

Our Lynchburg office is open Monday through Friday, 8:30 to 5:00. Call (434) 439-4814, or request a quote online and we'll get back to you within one business day.

 

At the end of the day, insurance is about peace of mind. We're glad to be your neighbors across the river.