When you live or work in the Hudson Valley, you want insurance that fits your life-without the runaround. That's where we come in. From renters & homeowners to contractors & small businesses, we help you protect what matters most with affordable, reliable insurance solutions you can count on year after year.

A black and white drawing of a shield with a person 's face inside of it.

Personal Insurance

A black and white icon of a building in a shield.

Commercial Insurance

Independent Insurance Agency in Lynchburg, VA

Couple looking at a map, smiling, outdoors; city and river in the background.

Personalized Coverage, Local Commitment

Hedges Insurance Agency is a 100% woman-owned independent insurance agency in Lynchburg, VA, proudly serving families and businesses across Central Virginia. From auto and home insurance to business and life coverage, we offer the freedom to choose from multiple top-rated carriers—so you get the right protection at the right price. Whether you're renewing your policy, insuring your first car, or expanding your small business, we’re here to listen, guide, and advocate for you every step of the way.

Auto, Home, Life & Business Insurance That Fits

Finding the right policy shouldn't mean fitting into a box. Our team offers personalized insurance quotes in Lynchburg, VA and beyond, covering everything from homeowners and renters to motorcycles, RVs, and off-road vehicles. Business owners can count on responsive service and flexible options for commercial policies, while families turn to us for dependable life and pet insurance backed by caring, local support.

Two professionals smiling, one in a suit with a red tie, the other in a light gray blazer, standing near large windows.

BUSINESS INSURANCE

Our secured, personalized business insurance offers can provide invaluable protection for your business and give you peace of mind.

Learn More
Person driving a car, hands on the steering wheel, wearing a plaid shirt.

AUTO INSURANCE

We provide the best auto insurance plans that provide financial and legal protections against risks that may happen at any time on the road.

Learn More
Entryway with staircase and front door; light blue walls, brown railing, white door with sidelights.
Woman carrying a cardboard box, looking out a window in a room with wood trim.
Family preparing food together in a bright kitchen.
Concert crowd with raised arms, facing a band on stage under bright stage lights.
Mountain logo with black peaks and gold lightning bolt.

Why Clients Choose Hedges Insurance

Founded by Trish Hedges after navigating a challenging personal claim, our agency was built from the ground up—not inherited from another book of business. As a woman-owned insurance agency rooted in Central Virginia, we believe in direct answers, proactive support, and real relationships. Our clients appreciate our fast response times, honest recommendations, and ability to shop rates across trusted carriers. We don’t answer to any one company—we answer to you.

Serving Lynchburg and Surrounding Counties

From Lynchburg to Bedford, Madison Heights to Rustburg, we’re proud to be a trusted name in Central Virginia insurance. Our team understands the local risks, regulations, and routes—whether you're insuring a cabin in Bedford County, a growing business in Campbell County, or your first apartment near Randolph College. Our office is right here in Lynchburg, and our service reaches wherever you call home.

Man in suit holding umbrella cutout over family and car cutouts on a table.

Let's Talk Insurance

Questions about coverage? Ready to compare quotes? Reach out anytime—we’re happy to help by phone, email, or in person. We respond quickly and follow up promptly, because we know peace of mind starts with clear answers and real support. Whether you're looking for a new policy or just want to understand your options, we’re here for it.

Hands pointing at insurance document with a toy house and keys on a table.

Quad State Insurance Service Areas

Looking for “insurance near me” in West Virginia? Quad State Insurance proudly serves individuals, families, farmers, and businesses across the state, with offices in Martinsburg and Kingwood. Our primary service areas include:

Insurance Tips, Local Insights & More

Lorem Ipsum
Lorem Ipsum

Lorem Ipsum

Read more