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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

Why Would I Need Life Insurance for My Child?

Posted: April 7, 2025

There’s a lot to think about when your family is growing. Whether you’ve recently welcomed a child through birth, adoption, or marriage, the future may feel full of unknowns. You do everything you can to keep your child safe—installing car seats, covering electrical outlets, and using baby gates—but have you considered how life insurance could be another way to protect them? While it’s not something...

The Beginner’s Guide to Short-Term Rentals

Posted: April 7, 2025

From a stylish urban loft to a cozy country cottage… booking a short-term stay is a hot trend (and a great way to travel like a local.) Maybe you’ve considered becoming a host yourself. If so, you’ve probably wondered: Is it safe? Can I actually make money doing this? What amenities should I offer my guests? Good news: You’re asking all the right questions. Whether...

3 Business Insurance Expenses to Write Off on Your Taxes

Posted: April 4, 2025

It’s tax season once again! As a business owner, you are likely looking for ways to maximize deductions and reduce taxable income. Fortunately, several business insurance policies qualify as tax-deductible expenses under IRS rules. If an insurance policy is both ordinary (common in your industry) and necessary (helpful for business operations), you may be able to deduct the full cost of the premium. Help protect...

Are We Getting Enough Sleep to Safely Drive?

Posted: April 3, 2025

Sleep-deprived drivers are turning America’s roadways into danger zones with potentially costly consequences. That’s according to the findings of a new survey sponsored by Erie Insurance examining drivers’ sleeping and driving habits. The survey found that a majority of Americans are sleeping fewer than seven hours per night, the minimum nightly amount recommended by the Center for Disease Control. A lack of sleep can affect...

Specializing In Erie Insurance

Erie Insurance has been helping customers since 1925 with their auto, home, business, and life insurance needs.
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Click here to use the Erie Insurance Life Insurance Calculator "ERIE Life Insurance Calculator" (opens in new tab)