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Your Local Shenandoah Independent Insurance Agency

Insuring the Shenandoah Valley for over 50 years

Hammer Insurance Agency specializes in auto, home, business, and life insurance.

Welcome to Hammer Insurance Agency. Founded in 1961, we’ve been helping clients in Virginia and North Carolina with their insurance needs for over 50 years. We specialize in auto, home, business, and life insurance. Our agency strives to provide you with the best possible coverage at the best possible price. We don’t just sell insurance, our insurance advisors tailor individual policies to fit your specific needs.

As our client, you will have our friendly staff of professionals working for you to provide the most comprehensive and competitive coverage for you, your family, or business. We believe in building relationships and that’s our number one priority.

Contact us today for a free, no obligation coverage review.

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Quotes From Multiple Companies

Auto Insurance

Paying too much for auto insurance? With our flexible coverage options and expert service, you’ll know your vehicle is getting the best protection.
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Home Insurance

Your home is your greatest investment, but you shouldn’t have to break the bank to insure it. Find out how much we can save you on your policy.
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Business Insurance

As a business owner, you have enough on your mind without having to worry about insurance needs. Let us find the best coverage at the best rates for you.
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ERIE's YourTurn® Program

There is a new way Erie Insurance is looking out for you and wants to help you stay safe on the road.

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Recent News & Updates

Life Insurance Awareness Month: How Much Coverage Do You Really Need?

Posted: September 7, 2026

Why Life Insurance Awareness Month Matters Every September, the life insurance industry recognizes Life Insurance Awareness Month, an effort to encourage more people to think about whether they have the coverage their families may need. Industry research has repeatedly found that a significant portion of adults either don't have life insurance or believe they don't have enough, often because the topic feels overwhelming, or because...

Disaster Preparedness for Small Businesses: Why a Continuity Plan Matters

Posted: September 4, 2026

National Preparedness Month Is a Reminder for Business Owners, Too Every September, FEMA's National Preparedness Month encourages individuals and organizations to think ahead about how they would respond to emergencies. For small business owners, this is a good opportunity to ask an important question: if a fire, storm, cyber incident, or other unexpected event disrupted your business tomorrow, would you be prepared to keep operating...

Back-to-School Driving: Insurance Tips for Teen and Student Drivers

Posted: September 2, 2026

September means school buses, morning carpool lines, and for many families, a new teen driver on the road. Whether your teenager is driving themselves to high school for the first time or heading off to college with a car in tow, back-to-school season is a good time to make sure your auto insurance keeps pace with your changing driving needs. Here's what to know about...

How ERIE Handles Claims Away from Home

Posted: August 23, 2026

Insurance claims usually aren’t a top priority for travelers heading on a road trip. A specialized team of ERIE claims professionals make certain they remain out of mind. ERIE’s Zone Outside of ERIE Territory (OET) team works to ensure that customers traveling outside ERIE’s territory receive the same seamless, responsive claims service they would if the loss occurred at home. From deer damage to vandalism...

Specializing In Erie Insurance

Erie Insurance has been helping customers since 1925 with their auto, home, business, and life insurance needs.
Click here to get an auto insurance quote with Erie Insurance "ERIE Auto Insurance Quote" (opens in new tab)
Click here to pay your Erie Insurance bill "ERIE Pay Your Bill" (opens in new tab)
Click here to use the Erie Insurance Life Insurance Calculator "ERIE Life Insurance Calculator" (opens in new tab)