Skip to the content

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.

Read what satisfied customers have said about Hammer Insurance Agency.
See All Reviews
See All ReviewsSee All Reviews

Find Out How Much You Can Save Today

  • This field is for validation purposes and should be left unchanged.

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.
Get Coverage

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.
Get Coverage

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.
Get Coverage

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.
Learn More

Recent News & Updates

What Happens If You Outlive Your Term Life Insurance Policy?

Posted: June 7, 2025

Term life insurance provides coverage for a specific period, typically 10, 20, or 30 years, ensuring financial support for your loved ones should you suddenly pass away or become incapacitated. But what if you outlive your term policy? Understanding your options can help you plan for the future and ensure continued financial security for your loved ones. What is Term Life Insurance? Term life insurance...

The Ins and Outs of Contractor Insurance

Posted: June 4, 2025

Contractors work in high-risk environments where accidents, property damage, or unexpected delays can disrupt business operations at any time. Whether you’re an independent contractor, a general contractor, or run a contracting business, having the right insurance coverage makes it possible to protect yourself, your employees, and your clients.  Why Contractor Insurance is Key Contractor insurance provides financial protection in case of accidents, lawsuits, or property...

Top 5 Frequently Asked Questions About Business Insurance

Posted: June 4, 2025

Understanding business insurance is crucial to protect your company from unexpected risks. As a business owner, you may have questions about how business insurance works, what it covers, and which policies you need. To help clarify these points, here we answer the top five frequently asked questions about business insurance. What Types of Business Insurance Are Available? Several types of business insurance policies are available,...

​5 Most Common Insurance Claims and How to Avoid Them

Posted: June 2, 2025

June has arrived! This month is National Homeowners’ Month and National Safety Month. We celebrate both special recognitions by considering how homeowners can keep their properties safe and secure. Knowing the most common insurance claims can help you safeguard your property and avoid the risk of losses. Here are five prevalent homeowners' insurance claims and strategies to prevent them:​ 1. Water Damage Water damage is...

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)