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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

4 Ways Telematics Can Impact Car Insurance

Posted: May 16, 2026

Telematics is technology that tracks driving behavior via a mobile app, a plug-in device, or a built-in vehicle system. Insurance companies may use that data to better understand how a person drives in real-life conditions. Instead of solely factoring age, vehicle type, ZIP code, and claims history, some insurers also evaluate driving habits. That can create savings opportunities for some drivers, but it can also...

Understanding Life Insurance Riders

Posted: May 7, 2026

Life insurance riders are optional features that can change how a policy works. Instead of buying a completely separate policy for every concern, a rider lets you add certain protections to the life insurance coverage you already have. That can make a policy more useful in real-life situations beyond the basic death benefit. Riders are not one-size-fits-all. Some are meant to help if the insured...

Who Needs Professional Liability Insurance the Most?

Posted: May 4, 2026

Professional liability insurance is designed for businesses that give advice, provide services, create plans, or make recommendations that clients rely on. When a client says a mistake, missed detail, or failure to deliver caused financial harm, this is the type of coverage that may step in. It is often called errors and omissions insurance, and it fills a gap that many service businesses do not...

Does Your Roof Affect Homeowners’ Insurance Rates?

Posted: May 2, 2026

Part of providing for your family is literally “putting a roof over their heads.” Your home’s roof protects your family and property from damage. The roof’s condition can affect your insurance, including premium rates and whether a carrier will insure your home. Insurers consider your roof’s age, condition, material, and local weather when deciding coverage. How Roof Age Can Affect Rates The age of a...

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)
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Click here to use the Erie Insurance Life Insurance Calculator "ERIE Life Insurance Calculator" (opens in new tab)