Loudoun Mutual Insurance


Why You Should Choose Loudoun Mutual Insurance Company

Loudoun Mutual Insurance Company is rated A- (Excellent) by AM Best, the premier insurance rating organization. A.M. Best ratings are issued on over 3,500 companies in more than 80 countries worldwide. Best’s Credit Ratings are recognized as a benchmark for assessing a rated organization’s financial strength as well as the credit quality of its obligations.

Insurance Products


Loudoun Mutual offers several different types of homeowner’s policies for owner-occupied residences. Coverage is provided for the dwelling, other structures, personal property, loss of use and personal liability. We also offer a product for renters who do not own their residence and need coverage for their personal property and liability. We offer many optional endorsements, including package endorsements which provide enhanced coverage at a package rate.


Loudoun Mutual is the second largest writer of farms in the Commonwealth of Virginia. Our farmowner program covers owner-occupied farm dwellings as well as barns, farm machinery, livestock, farm tenant dwellings, and other farm related property. Liability protection is provided for farm operations. In addition, we have special programs for equine (horse farms) and vineyards.

Rental Properties:

Dwellings with up to 12 units can be insured in our Rental Property Program. Coverage is available for the dwelling, personal property, other structures, as well as loss of rental income and liability protection. We
have a package of endorsements available and if you qualify for our Professional Landlord Certificate, a discount is provided.

Mobile Homeowners:

Loudoun Mutual insures owner and non-owner-occupied mobile homes.  Most of our mobile homeowner
policies include an endorsement which provides replacement cost coverage up to the limit on the mobile home and an increased limit for debris removal. 

Personal Umbrella:

Loudoun Mutual offers both personal and farm umbrella policies. Our umbrella policy provides increased liability limits and broader coverage than our underlying homeowner and farmowner policies. The policy also provides excess coverage for your underlying automobile insurance policy. You may purchase an umbrella policy with limits ranging from one million to five million dollars. 

Bed & Breakfast:

Loudoun Mutual offers a unique policy specific to bed and breakfast risks. In addition to a traditional bed and breakfast risk, our program covers Airbnb and VRBO exposures as well.

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 offers insurance for your commercial property and premises liability exposures. Our target market is Lessor’s Risks. We have a variety of optional coverages available, including equipment breakdown and service line coverage.