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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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ERIE's YourTurn® Program

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Recent News & Updates

5 Ways to Remain Productive After Equipment Malfunctions

Equipment malfunctions can severely disrupt business operations, leading to delays and lost productivity. Whether it’s a computer crash, machinery failure, or technical breakdown, these unexpected issues can disrupt your workflow. However, maintaining productivity despite such challenges is central to ensuring your business runs smoothly. By implementing strategies to manage equipment failures effectively, you can minimize downtime and keep things moving forward. 1. Assess the Issue...

How to Prevent House Fires & What to Do if One Occurs

October is National Fire Prevention Month, making it an ideal time to raise awareness about fire safety at home. House fires have devastating consequences, and preparedness is critical to reducing risk. According to the National Fire Protection Association (NFPA), U.S. firefighters respond to an average of 346,800 house fires annually, resulting in over 2,500 deaths and billions in property damage. Understanding how to prevent fires...

When is a Car Considered Totaled—And What Happens When It Is?

The first step in determining whether a car is totaled (or, in insurance terms, a total loss) is to calculate its actual cash value (ACV) at the time of the loss. The ACV is how much your vehicle is worth after factoring in depreciation. On average, vehicles depreciate more than 20 percent in the first year and approximately 10 percent each additional year for the...

What Happens If My Neighbor’s Tree Falls in My Yard?

For the most part, homeowners are responsible for what falls into their own yard. So, if a storm causes your neighbor’s tree to fall in your yard, your homeowners' insurance could help cover the cost of removing the tree and remedying the damage it caused on your property after your deductible. The same is true in reverse: If a tree on your property falls in...

Specializing In Erie Insurance

Erie Insurance has been helping customers since 1925 with their auto, home, business, and life insurance needs.