Business Details
34 Years
experience
Your Trusted Insurance Partner in Bedford, VA
At Bedford Mutual Insurance, we have built a reputation for trust and service since 1992, prioritizing our clients' needs with cost-effective insurance solutions. Our team of experienced professionals is committed to providing timely quotes and personalized assistance, ensuring clients feel valued beyond mere policy numbers. With decades of combined expertise, we represent leading industry providers and tailor insurance packages to meet individual circumstances. Our dedication to transparency and client satisfaction is reflected in our longstanding relationships with local clients, as evidenced by testimonials praising our competitive pricing and small-town attention. We specialize in asking the right questions to help clients save money while securing comprehensive coverage for their homes, vehicles, farms, and more.Our agents, including Wanda Toms with 39 years of experience and Callie Robertson with 22 years in property and casualty insurance, bring deep local knowledge and a commitment to community service. We offer bundling discounts for combined policies and provide specialized Medicare supplement plans for seniors. Our approach emphasizes honesty, responsiveness, and going the extra mile to protect clients' most valuable assets. This philosophy has earned us referrals from satisfied customers and partnerships with top-tier insurance carriers. Whether insuring a new home or managing complex farm policies, we strive to deliver the same personalized service that has defined our agency for over three decades.
Services
Home Insurance
Automobile Insurance
Medicare Supplements
Farm Insurance
Church Insurance
Manufactured Homes
Details
- Year established: 1992
Highlights and features
- We offer over 30 years of combined experience in the insurance industry.
- Our agents provide personalized service tailored to your specific insurance needs.
- We offer competitive pricing with bundling discounts for auto and home policies.
- Our team represents leading insurance providers in the industry.
- We provide specialized Medicare supplement plans for seniors 65 and older.
What people say
Knowledgeable about their product
Competitive in pricing
Second to none service
Personal hometown service
Fast and complete service
Services
Home Insurance
Our home insurance policies protect against property damage, liability claims, and additional living expenses. We customize coverage for replacement costs, personal belongings, and disaster scenarios. With local expertise, we ensure adequate protection for traditional homes, manufactured homes, and new constructions while offering bundling discounts for combined policies.
Automobile Insurance
We provide comprehensive auto insurance solutions covering liability, collision, and uninsured motorists. Our policies protect personal and commercial vehicles with customizable deductibles and coverage limits. We emphasize competitive pricing through provider partnerships and offer combined policy discounts for clients bundling auto and home insurance.
Medicare Supplements
Our Medicare supplement plans cover prescription drugs, deductibles, and hospital services not included in standard Medicare. Designed for seniors 65+, these policies provide financial protection against unexpected medical costs. Our licensed agents help clients select appropriate coverage levels based on individual health needs and budget considerations.
Farm Insurance
We offer specialized insurance for farms, including coverage for equipment, livestock, and crop losses. Our policies protect against liability claims and property damage while accommodating unique agricultural risks. With deep local knowledge, we serve Bedford County's farming community with tailored solutions that balance comprehensive protection and affordability.
Manufactured Homes
Our agency provides dedicated insurance for manufactured and mobile homes, covering structural damage, personal property, and liability claims. We address unique risks associated with these properties through specialized policies that ensure adequate replacement costs and disaster protection while maintaining competitive pricing for homeowners.
People
Wanda Toms
Agent and Owner
With 39 years of insurance experience, Wanda Toms leads Bedford Mutual Insurance as owner. A Bedford County native, she specializes in property and casualty insurance, emphasizing personalized service and community trust.
Callie Robertson
Licensed Agent
Callie Robertson brings 22 years of property and casualty insurance expertise. Licensed in life and health insurance, she serves southside Bedford County clients with personalized coverage solutions and Medicare supplement plans.
John Waff
Licensed Agent
John Waff contributes 27 years of insurance experience to our team. A former agency owner, he specializes in home, auto, and farm insurance while providing part-time expert guidance to clients.
Questions
What types of insurance do you offer?
We provide home, auto, farm, church, manufactured home, and Medicare supplement insurance with personalized coverage options.
How can bundling policies save money?
Combining home and auto insurance qualifies for package discounts while maintaining comprehensive coverage through our provider partnerships.
Do you offer specialized senior insurance?
Yes, we provide Medicare supplement plans for seniors 65+ covering prescription drugs, deductibles, and hospital services not included in standard Medicare.
What areas do you serve?
We primarily serve Bedford County and surrounding areas including Huddleston, Lynch Station, Smith Mountain Lake, and Altavista.
Reviews (1)
Dave T.
Nov 03, 2021
Report
Everyone is super friendly, professional, and very knowledgeable! When we have questions, Wanda has always provided us with answers in a very timely manner! We wouldn't go anywhere else!
