When it comes to protecting your home, experience and local knowledge matter. At Cothran Schoonover Insurance, we offer customized homeowners insurance in Amherst, VA. We help families and property owners protect what matters most.
Your Local Insurance Office in Downtown Amherst
Our Amherst location is downtown at 165 S. Main Street. It sits right across from the historic Bank of the James building and just a short walk from the courthouse. Look for our signature green awning, which marks the location of the former Massie Insurance office.
We offer easy street parking and convenient walk-in access. Whether you need a coverage review, policy update, or simply have questions, you can stop by anytime. With strong roots in the community, we’re proud to provide the trusted service that Amherst residents have relied on for generations.
Personalized Coverage for Every Homeowner
Whether you’re buying your first home or protecting a property you’ve loved for years, we can help create a policy that fits your needs and budget. No two homes are alike, and your insurance should reflect that.
Our Amherst homeowners insurance options may include:
- Dwelling coverage for your home’s structure
- Personal property protection for your belongings
- Liability insurance in the event of injury or property damage
- Coverage for additional living expenses if you’re temporarily displaced
- Optional endorsements like flood insurance, replacement cost for your personal property, and coverage for your valuable items
We’ll guide you through each option to help you understand your limits, deductibles, and ways to customize your coverage. Our goal is to make sure you’re never underinsured and never paying for coverage you don’t need.
Insurance Carriers You Can Rely On
As an independent insurance agency, we’re not tied to a single insurance company. Instead, we represent a broad network of trusted carriers, including Cincinnati Insurance, Auto-Owners Insurance, Travelers, Nationwide Insurance, Grange Insurance, Universal Property, and more. This allows us to find the best combination of price and protection for your home.
Whether you’re concerned about fire, theft, weather damage, or liability, our team can help match you with a provider and policy that fits your specific needs.
Small-Town Service with Big-Time Knowledge
At Cothran Schoonover Insurance, you’ll work with friendly agents who live and work right here in Central Virginia. We believe in local service and treat clients like neighbors, not numbers.
Our Amherst team takes the time to build relationships and explain your coverage in simple, clear terms. We’re here when you need us, especially during the claims process.
Protecting Against Local Hazards
Living in Amherst brings weather-related risks, from strong thunderstorms and heavy rain to snow and ice. We help you evaluate your property’s exposure and create a policy customized to meet your needs. This can include optional flood insurance and other coverages that are often missed in standard policies.
Bundle and Save for Extra Value
Looking to save more on insurance? Ask about bundling your homeowners policy with auto insurance, personal umbrella, or life insurance. Many of our carriers offer multi-policy discounts that lower your premiums and simplify your coverage.
Serving Amherst and Surrounding Communities
We serve homeowners throughout Central Virginia, including the Town of Amherst, Madison Heights, Sweet Briar, Monroe, and other nearby areas. Wherever you call home, we’re here to help you protect it.
Request Your Free Homeowners Insurance Quote
If you need homeowners insurance in Amherst, VA, call Cothran Schoonover Insurance today at 434-946-7181. Or visit our office at 165 S. Main St, Amherst, VA 24521. We’re here to make insurance straightforward, reliable, and personal.
Cothran Schoonover Insurance165 S. Main St
Amherst, VA 24521
Phone: 434-946-7181
