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Your home is more than just a building, it’s your sanctuary and likely your most valuable asset.

At Cothran Schoonover Insurance, we provide reliable, personalized homeowners insurance to protect what matters most.

As an independent Property and Casualty insurance agency, we don’t just sell you a policy; we build a shield around your financial future. We help you find the right coverage at the right price across Virginia and North Carolina.

Why Choose Cothran Schoonover Insurance?

We Compare, You Save: unlike captive agents who only offer one brand, we work with multiple “A” rated insurance carriers. This allows us to compare policies side-by-side to find you the best combination of coverage and value.
Personalized Service & Expertise: Our experienced agents take the time to understand your home’s unique features. We explain your options in plain English, helping you select coverage that fits your lifestyle and budget.
Proactive Policy Reviews: We go beyond the initial sale. Our team reviews your homeowners insurance policy annually to ensure you aren’t underinsured or overpaying as rates and home values change.

Comprehensive Homeowners Insurance Coverage

A standard homeowners insurance policy includes core protections designed to handle life’s unexpected events. We help you understand exactly what is covered:

Dwelling Coverage: Pays to repair or rebuild the physical structure of your home (house, garage, deck) if damaged by perils like fire, wind, hail, or lightning.
Personal Property Coverage: Covers your belongings, furniture, clothing, electronics, and appliances, even if they are stolen or damaged while you are away from home.
Liability Protection: Protects your financial assets if someone is injured on your property or if you accidentally cause damage to others.
Additional Living Expenses (Loss of Use): Pays for temporary housing, hotel bills, and food costs if a covered loss makes your home uninhabitable during repairs.

Additional Coverage Options:

Standard policies have gaps. We help you fill them with optional endorsements:

Identity Theft Protection
Water or Sewer Backup Coverage
Flood Insurance
Earthquake Coverage
Equipment Breakdown Coverage

Ways to Save on Your Homeowners Insurance

We actively look for discounts to lower your premium without cutting corners on protection:

Multi-Policy Bundling: Save significantly by bundling your home and auto insurance with the same carrier.
Protective Devices: Discounts for installed smoke alarms, deadbolts, and burglar/fire security systems.
Claims-Free: Enjoy lower premiums when you maintain a history of being claims-free.
Deductible Strategies: We can show you how raising your deductible slightly can lower your annual premium.

Serving Homeowners Across the Region

We are local agents who understand the specific risks in our area, from coastal storms to mountain winters.

While our physical offices are located in Amherst, Collinsville, Danville, Lynchburg, and Walnut Cove, our team is licensed to write policies for homeowners throughout the region, including:

Virginia:

Residents in Forest, Madison Heights, Timberlake, Martinsville, Boonsboro, and throughout Campbell, Pittsylvania, Henry, Franklin, Amherst, Halifax, and Nelson Counties.

North Carolina:

Residents in Winston-Salem, King, Germanton, Walkertown, Kernersville, and throughout Stokes, Forsyth, Rockingham, and Guilford Counties.

Get Your Free Homeowners Insurance Quote

Protect your home with confidence. Contact Cothran Schoonover Insurance today for a fast, free homeowners insurance quote or get a homeowners quote online by clicking below.

Let our dedicated team help you find the best protection for your most valuable asset.

Our Local Homeowners Insurance Offices in VA and NC

Visit one of our five convenient locations for personalized service: