Your home is more than a building—it’s your sanctuary. At Cothran Schoonover Insurance, we provide reliable, personalized homeowners insurance to protect what matters most.
Why Choose Cothran Schoonover Insurance?
Personalized Service and Expertise
Our experienced agents take the time to understand your needs, explain your options, and help you select coverage that fits your lifestyle and budget. We make homeowners insurance easy to understand and accessible.
Access to Top-Rated Insurance Carriers
We work with multiple A-rated insurance carriers, allowing us to compare policies and provide the best combination of coverage and value. You benefit from options that meet your needs and budget.
Proactive Policy Review
We go beyond renewals. Our team reviews your homeowners insurance policy annually to ensure you’re always getting the best coverage for the best price.
Comprehensive Homeowners Insurance Coverage
A standard homeowners insurance policy includes the following core protections:
- Dwelling Coverage: Protects the physical structure of your home from perils like fire, wind, and hail.
- Personal Property Coverage: Covers your belongings, including furniture, clothing, and electronics.
- Liability Protection: Covers injuries or property damage to others for which you’re responsible.
- Additional Living Expenses: Pays for temporary housing if your home becomes uninhabitable due to a covered loss.
We also offer additional coverage options tailored to your needs:
- Identity Theft Protection
- Water or Sewer Backup Coverage
- Flood Insurance
- Earthquake Coverage
- Equipment Breakdown Coverage
Note: Availability of optional coverage may vary by state or insurance provider.
Ways to Save on Your Homeowners Insurance
We help you save while keeping your home protected. Consider the following discounts:
- Multi-Policy Discounts: Bundle your home and auto insurance for savings.
- Safety Discounts: Install smoke alarms, security systems, and other safety features.
- Claims-Free Discounts: Enjoy lower premiums when you stay claims-free.
- Higher Deductibles: Save on premiums by choosing a higher deductible you can afford.
Local Agents Who Know Your Community
We proudly serve homeowners in Virginia and North Carolina from offices in Lynchburg, Amherst, Collinsville, Danville, and Walnut Cove. Our local expertise helps us provide customized coverage based on the unique risks in your area.
Get Your Free Homeowners Insurance Quote
Protect your home with confidence. Contact Cothran Schoonover Insurance today for a fast, free homeowners insurance quote:
- Phone: (434) 239-2886
- Online Quote: Get a Quote
Let our dedicated team help you find the best protection for your most valuable asset—your home.
Find Local Homeowners Insurance Near You
Cothran Schoonover Insurance offers personalized homeowners insurance throughout Virginia and North Carolina. Choose your local office:
