Property and Casualty Insurance Products To Meet Every Need


Loudoun Mutual offers several different types of homeowners policies for owner-occupied residences. Coverages are provided for the dwelling, other structures, personal property, loss of use and personal liability. Many endorsements and options are available. Two of the most popular are our Guardian and Guardian Plus endorsements, which bundle together several of the more popular coverage options at a package rate.


Loudoun Mutual's Farmowners Program is similar to our Homeowners Program. It protects owner-occupied farm homes plus barns, farm machinery, animals and other farm-related property. This program also provides liability protection for occurrences arising out of farming operations. There are also special programs for equine (horse farms) and vineyards.

Rental Properties:

Residences rented to 1 to 12 families are covered under Loudoun Mutual's Rental Property Insurance Program. Insurance coverage is available for the dwelling, personal property and other structures, as well as loss of rental income. Liability coverage also can be included that protects you if you are sued for an occurrence related to the rental property. The Rental Properties Program also may be used to insure owner-occupied dwellings that do not qualify for the Loudoun Mutual Homeowner's Program.

Mobile Homeowners:

Loudoun Mutual insures owner-occupied mobile homes under several different types of mobile homeowner's policies. Coverages are provided for the mobile home, other structures, personal property, loss of use and personal liability. Many optional endorsements are available, including options for replacement value coverage on both the mobile home and personal property.

Personal Umbrella:

Loudoun Mutual's Personal Umbrella Program offers higher limits of liability and broader coverages that extend beyond the limits of our Homeowners, Farmowners and Personal Automobile Programs. Limits are available up to $5 million.

Bed & Breakfast:

Loudoun Mutual has developed an insurance package for covering the wide variety of different structures and property associated with your B&B's. Our program was designed specifically for B&B's operations. The program's coverages can be increased and tailored to meet the unique requirements of most B&B's.

House of Worship:

Loudoun Mutual offers a comprehensive package of coverages designed to insure small to medium sized houses of worship. Coverage is written on an all risk replacement cost basis and includes options for directors and officers, sexual misconduct, pastoral counseling, and equipment breakdown.

Commercial Property & Premises Liability:

Loudoun Mutual is pleased to offer insurance for your commercial property and premises liability only exposures. We target Lessor’s Risks and exposures that are difficult to place. We are able to insure your commercial property risk while you insure the Commercial General Liability exposure with a company of your choice. Our rates are reasonable and may allow you to avoid placement in an Excess market.