Business Details
34 Years
experience
Trusted Insurance Solutions in Bedford, VA
At Bedford Mutual Insurance, we prioritize trust and service in meeting our clients' insurance needs. Since 1992, we have committed to providing cost-effective, tailored insurance solutions while ensuring timely and personalized support. Our team of experienced professionals works diligently to protect clients' most valuable assets, offering a range of services from home and auto insurance to Medicare supplements and farm policies. We pride ourselves on treating clients as individuals, not numbers, and maintaining strong community ties in Bedford County and beyond.Our dedication to transparency, competitive pricing, and exceptional customer service has earned us long-term relationships with clients who value small-town attention and expertise. With decades of combined experience, we stand ready to assist new and existing clients in securing the coverage they need.
Services
Home Insurance
Automobile Insurance
Medicare Supplements
Farm Insurance
Church Insurance
Manufactured Homes
Details
- Year established: 1992
Highlights and features
- We offer 39 years of combined experience in property and casualty insurance.
- Our team provides personalized service tailored to individual client needs.
- We specialize in local market knowledge for Bedford County and surrounding areas.
- Bundling discounts help clients save on combined home and auto policies.
- We maintain a proven track record of responsive claims assistance.
What people say
Knowledgeable about their product
Competitive in their pricing
Customer service is second to none
Small town community attention
Fast and complete service
Services
Home Insurance
Our home insurance policies protect against unexpected disasters, covering replacement costs and personal belongings. We evaluate individual needs to ensure adequate coverage while offering competitive rates. Clients benefit from personalized consultations to tailor policies for their specific properties and risk factors.
Automobile Insurance
We provide comprehensive automobile insurance solutions that protect vehicles and drivers. Our policies include liability coverage, collision protection, and uninsured motorist options. Clients receive personalized guidance to select coverage that balances protection with affordability.
Medicare Supplements
Our Medicare supplement plans help seniors cover out-of-pocket medical expenses not paid by Medicare. We specialize in creating customized solutions for prescription drugs, deductibles, and hospital services. Licensed agents assist clients in selecting plans that meet their healthcare needs and budget.
Farm Insurance
We offer specialized farm insurance policies protecting agricultural properties and equipment. Coverage includes barns, livestock, and crop-related assets. Our agents understand the unique risks faced by farmers and provide tailored solutions to safeguard rural properties.
Manufactured Homes
Our manufactured home insurance provides protection for mobile and modular homes. Policies cover structural damage, personal property, and liability risks. We help clients navigate unique insurance requirements for non-traditional housing with customized coverage options.
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 while maintaining a commitment to personalized service and community trust.
Callie Robertson
Licensed Agent
Callie Robertson brings 22 years of insurance expertise to Bedford Mutual. Licensed in property/casualty and life/health insurance, she serves clients across southern Bedford County with a focus on competitive pricing and comprehensive coverage solutions.
John Waff
Licensed Agent
John Waff contributes 27 years of insurance experience to Bedford Mutual. Former agency owner turned part-time agent, he specializes in home, auto, farm, and mobile home policies while maintaining a client-focused approach to insurance solutions.
Questions
What types of insurance do you offer?
We provide home, auto, farm, church, manufactured home, and Medicare supplement insurance policies.
Do you offer bundling discounts?
Yes, we provide discounts for bundling home and auto insurance policies together.
What areas do you serve?
We primarily serve Bedford County and surrounding areas including Smith Mountain Lake and Lynch Station.
How can I get a free quote?
Call us at 540-586-8519 or visit our website to request a free insurance consultation and quote.
What experience do your agents have?
Our agents have decades of combined experience, including 39 years in property and casualty insurance.
