Loudoun Mutual will never contact you directly via phone call to pay your bill. If your bill is overdue, we send a notice via USPS mail (or an email if you have paperless settings turned on). The notice lets you know your policy will be cancelled if payment is not received by a specified date.

Criminals are becoming more sophisticated and aggressive in their attempts to trick you into paying them or giving out personal information. Be especially wary of anyone stressing the urgency of the matter and demanding immediate payment. Do not give out your bank account number, credit/debit card number, or personal information to someone who calls you claiming to be an employee of Loudoun Mutual. To make a payment call us directly at (800) 752-3458 or call your agent.

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.

Rental Properties

Rental Properties Coverage Brochure

Loudoun Mutual insures a wide variety of risks in our Insurance Programs for Rental Properties. In addition to rental dwellings, the program may also be used to insure dwellings which are owner occupied but may not be eligible for the homeowner program. We have developed different rating tiers to accommodate a wide variety of dwelling risks, such as:

  • vacant dwellings

  • seasonal or secondary dwellings

  • dwellings under construction or renovation

  • dwellings owned by LLC's

  • student housing risks

  • mono-line policies (we do not require you to insure your primary owner-occupied dwelling with Loudoun Mutual)

The Landlord Guardian Endorsement

Loudoun Mutual offers a unique Landlord Guardian Endorsement for rental dwellings and the endorsement includes:

  • Water Damage (sewers and drains) up to $10,000 coverage

  • Ordinance or Law coverage up to the Coverage A Limit

  • Debris Removal of Trees up to $1,500 per occurrence

  • $5,000 Personal Property of the Insured

  • Extra Replacement Cost: Replacement Cost Terms apply to the dwelling, other structures and personal property (but does not apply to mobile homes whether or not on a permanent foundation)

Professional Landlord Credit

Loudoun Mutual offers a premium credit if a landlord meets certain minimum lease standards and business practices regarding their rental properties. See the Professional Landlord Certificate Agreement for specifics

Other Loudoun Mutual Program Enhancements for Rental Properties

  • Multi-Family Dwellings up to 12 units or apartments

  • Multiple Dwellings may be insured on one policy

  • Mobile Homes may be insured and replacement cost is available in some instances

Limited Earthquake Coverage

Loudoun Mutual offers a unique and less expensive way to insure against the peril of earthquake. The Limited Earthquake Endorsement will pay up to $50,000 for direct physical loss to your covered dwelling and other structures caused by earthquake. A $2,500 deductible applies.

Home Systems Protection and Service Line Coverage Enhancements

Coverage may be added to your policy for sudden and accidental mechanical or electrical breakdown of your home's built in systems and equipment, such as HVAC equipment, electrical panel, and permanently installed appliances. $50,000 coverage is provided for any one accident and a $500 deductible applies per accident. In addition, Service Line Coverage is provided for repair costs of damage to a variety of underground piping (except gas piping) and wiring that is located on your insured premises and owned by you. We will pay up to $10,000 for any one service line failure with a $500 deductible applying. Take a look at the Rental Property Systems Protection and Service Line Coverage Brochure to learn more!

There is a Loudoun Mutual agent in your area ready to help you become a policyholder; contact one today!

This summary is intended for informational purposes only and does not modify or invalidate any of the provisions, exclusions, terms or conditions of the policy and endorsements. For specific terms and conditions, please refer to the coverage form.