Insurance in Amherst & Amherst County, VA

Cothran Schoonover Insurance office in Amherst, VA offering home and car insurance

Since 2017, Cothran Schoonover Insurance has been a dedicated partner to the families, drivers, and business owners of Amherst, Madison Heights, and Nelson and Amherst Counties. As an independent agency, our loyalty is to our local community, not the insurance company.

We work alongside top-rated carriers such as Cincinnati, Nationwide, Auto-Owners, and Grange to build customized coverage plans that actually make sense for your life and your wallet.

Why Your Neighbors Choose Our Independent Agency

Buying insurance shouldn’t feel like a guessing game. We do the heavy lifting for you. Here is how we ensure our clients always have the best protection:

  • We Monitor Your Renewals: You shouldn’t be penalized for staying loyal. We actively watch your home and auto renewals; if a carrier drastically raises your rates, our team automatically requotes your policies with our other partners to find a better price.
  • Seamless Bundling: We look at your whole picture, combining your car and homeowners policies across multiple carriers to unlock maximum discounts without cutting corners on your coverage limits.
  • Dedicated Specialists: Whether you need a personal umbrella policy or commercial workers comp, you will speak directly to an agent who focuses exclusively on that specific side of the industry.

Customized Insurance Products for Amherst and Nelson Counties

No matter what stage of life or business you are in, Cothran Schoonover Insurance has the tools to protect you. Browse our extensive list of personal, commercial, and life insurance solutions below, designed specifically for the unique needs of our neighbors in Amherst and Nelson counties:

Car Insurance in Amherst

Whether you’re making the daily commute from Madison Heights or taking the scenic routes up through Nelson County, our independent agents shop multiple carriers to find you the most competitive auto insurance quotes.

Car Insurance

Home Insurance in Amherst

Protecting properties across Amherst, Madison Heights, and Nelson County. We specialize in replacement cost coverage and home-auto bundle discounts to find local homeowners the most competitive rates available.

Home Insurance

Additional Coverage

Business insurance:

Other coverage:

Visit Cothran Schoonover Insurance in Amherst

We are proud to serve individuals, families, and businesses across the entire Route 29 corridor. Whether you are commuting through Madison Heights, running a local business near Sweet Briar College, or managing a vacation property up near Wintergreen Resort in Nelson County, our Amherst office is perfectly positioned to protect what matters most to you.

We make the quoting process clear, easy, and transparent for our neighbors throughout Amherst and Nelson County.

Our Amherst Office Location:

Cothran Schoonover Insurance

165 S Main Street

Amherst, VA 24521

(Located directly across the street from Bank of the James)

Providing comprehensive insurance solutions to Amherst, Madison Heights, Amherst County, and Nelson County since 2017.

Our Other Insurance Locations

Serving clients across Virginia and North Carolina:

Disclaimer: Insurance products offered may vary by state and are subject to the terms, conditions, and underwriting guidelines of the insurance carrier.