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Blue Ridge Insurance

Learn more about our agency.

Blue Ridge Insurance is a customer-centric insurance agency, putting our customers at the heart of our business design. We continually look for better ways to offer genuinely caring assistance and the most up-to-date protection options on the market.

We specialize in personal insurance protection, including: car insurance, home insurance, excess liability umbrella, renters insurance and life insurance. Blue Ridge also works with Dave Ramsey as a RamseyTrusted endorsed insurance provider for Virginia, North Carolina, Tennessee, Maryland, the District of Columbia, and West Virginia.

Our caring team is dedicated to you, helping protect what matters most with competitive coverage and pricing. We access multiple top rated insurance companies to find you the best value. Estimates and policy reviews are free, get with us today and experience the difference!


Community Involvement

Making a lasting impact on our community with donations, giveaways, and support, while inspiring others to do the same.

Dave Ramsey ELP

As an Endorsed Local Provider, we live up to the highest standards of service to meet and exceed your expectations.

Dedicated to You

We are dedicated to helping local families and businesses protect the things most important to them at the lowest price.

The Solution To Your Insurance Needs

Providing a variety of personal insurance and business insurance solutions throughout Virginia, Tennessee, North Carolina, West Virginia, Maryland and DC is what Blue Ridge Insurance does best.

Personal Insurance

Trusted advice and insurance solutions to protect what matters most.

Business Insurance

Coverage and risk management solutions for companies of all sizes.

Our Insurance Specialties

We are dedicated to helping local families and businesses protect the things most important to them at the lowest price. We do the shopping for you, making the insurance carriers compete for your business.

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Dave Ramsey Endorsed Local Provider (ELP)

Blue Ridge Insurance is a proud ELP throughout most of Virginia, Tennessee, and North Carolina. We strive to uphold the highest standards of excellence in service and solutions which earned us this recognition.

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Real clients. Real reviews. Real coverage.

“When visiting the Blue Ridge Insurance office, I feel like I’m part of the family. Everyone there is warm, friendly and caring. I know they have my best interest at heart.”

– Rochelle Walker Sr.

Our Agency is Top Rated

Check out our reviews and see why you should switch to Blue Ridge Insurance.

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About Our Agency - View Of Skyline Drive And Blue Ridge Mountains On Sunny Day

What makes our independent agency different?

  • We represent multiple insurance companies.
  • We are licensed insurance advisors.
  • We are by your side every step of the way.
  • We offer a wide variety of insurance solutions.
  • We are there for you in your time of need.
Find Out How

Proud Partnerships

We are proud to partner closely with the best in the industry to better serve your needs.

Our Partnerships
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Get a glimpse of the risks you face and how your insurance can protect what matters most.

Bodily Injury Liability Coverage
Risk Factor

It’s easy to get distracted while driving. All it takes is an incoming text message, a fussy baby, or changing the radio station and your eyes are off the road long enough to crash into the slowing vehicle in front of you. As an owner/operator of the vehicle, you may be held financially responsible for any bodily injuries caused as a result of the accident.


Bodily injury liability covers your legal liability for a covered accident that involves injury to another person, up to the limit of liability you select. Purchase enough coverage to protect your assets should a claim be brought against you or if you are sued. You should also consider purchasing an excess liability policy which may provide additional limits of liability.

Property Damage Coverage
Risk Factor

When involved in an auto accident, you and your family may be financially responsible for any damage caused by your vehicle to someone else's property. The amount required, if any, can vary by state.


The property damage portion of your auto insurance policy protects you if your car damages someone else's property, such as another car, a fence, or a building. In some instances, you may be able to choose your coverage limit, or it may be a standard amount dictated by the insurer or local laws.

Medical Payments Coverage and Personal Injury Protection
Risk Factor

Depending on the severity of the injuries suffered in an automobile accident, whether caused by you or by the other vehicle, it's not uncommon for healthcare costs to run into the thousands of dollars, with a large portion being out-of-pocket expenses not covered by your health plan.


Medical payments coverage or Personal Injury Protection, depending on where you live, can help cover some medical expenses and funeral expenses of covered drivers and passengers after an accident. The exact requirements, limits, and coverage can vary by state, so it's important to understand what's required where you live.

Uninsured / Underinsured Motorist Damage Coverage
Risk Factor

What happens when the driver who hit you doesn't have enough liability coverage? Or, even worse, they take off? Research has shown that this happens more than you might expect. If you’re in a collision with someone who is uninsured or underinsured, you can be left to pay out-of-pocket for damages and medical expenses not covered by the other driver.


Uninsured/underinsured motorist damage coverage may compensate you for bodily injury and lost wages caused by an uninsured motorist, a hit-and-run driver, a driver whose automobile insurance company is insolvent, or a driver who has not purchased enough coverage to pay for damages.

Physical Damage Coverage
Risk Factor

Your automobile can be a fairly costly investment – one that is exposed to many potential losses caused by weather related events, theft, and other circumstances that may be out of your control.


Physical damage coverage can protect your vehicle if it is damaged in an accident (collision coverage), is damaged by something other than a collision (comprehensive coverage) with a vehicle or object or if your vehicle is stolen. This coverage is optional if your vehicle is paid in full, but it is coverage you should consider if you want to fully protect your vehicle.

Rental Coverage / Loss of Use
Risk Factor

When your vehicle is being repaired or replaced due to a covered loss, you may have to rent a vehicle to get you to and from your daily responsibilities without any interruption. Vehicle rental can get expensive, especially over an extended period of time.


Rental coverage/ loss of use is an inexpensive option you can add to your auto insurance policy to pay for the cost to rent a temporary replacement vehicle or the cost of public or private transportation if your vehicle is ever in an accident. This coverage is available in a variety of daily limits.

Auto Insurance 101

Make sure you cover the unique risks you face with auto insurance.

  • Click on the hotspots.
  • Discover your risks.
  • Get the right coverage.
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Forest, VA

14805 Forest Road, Suite 202
Forest, VA 24551

Serving local families and small businesses in Forest, VA, Richmond, VA, Arlington, VA, Chantilly, VA, Charlottesville, VA, Lynchburg, VA, and all of Virginia, Tennessee, North Carolina, West Virginia, Maryland and DC.

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