Insurance for Crozet and Charlottesville, Just Over the Mountain

If you live in Crozet or Charlottesville, our Waynesboro office is just over Afton Mountain on I-64.

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We get it. When you're shopping for insurance, everybody claims to be "local." Here's what local means to us: a real office, real people you can call during business hours, and an agent who will actually explain your policy.

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A lot of what we do can be handled by phone or email, so you don't have to make the drive. If you'd rather sit down face to face, you're welcome to stop by during office hours.

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Questions we hear from Albemarle County

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Crozet has grown a lot. New neighborhoods, families moving in, more people commuting into Charlottesville or over the mountain every day. Charlottesville has its own mix of older homes, rentals, condos and small businesses.

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A few things worth a second look:

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• New homes: Did your coverage keep up with what you actually built or bought? A policy set up years ago may not match today's rebuild costs.

• Rentals and condos: Renters and condo owners often need their own coverage for their belongings and liability. The building's policy usually isn't enough.

• Commuting on I-64 and Route 250: Mountain weather and daily miles add up. It's worth checking that your liability limits fit your life.

• Small business owners: From a home-based business to a storefront, the right business coverage depends on how you work.

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We'll walk through it with you. No pressure. Coverage varies by policy, so we'll show you exactly what yours includes.

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Farmers, plus other options

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We're a Farmers Insurance agency, and we also work with other carriers as an independent broker. That gives us room to look at more than one option for you. See the full list on our carriers page.

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What we can help with

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

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Let's talk

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Our Waynesboro office is open Monday through Friday, 8:30 to 5:00. Give us a call at (540) 943-9941, or request a quote online and we'll be in touch within one business day.

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Honestly, most insurance questions get a lot simpler once you talk them through with someone. That's what we're here for.