Agency website
About us
We Specialize in Serving the surrounding Smith Mountain Lake communities
Since 1984, Smith Mountain Lake Insurance Agency, Inc., also known as Phil Hager Insurance Agency, has been the trusted choice for individuals, families, and businesses throughout Franklin County, Bedford County, the Smith Mountain Lake region, and all of Virginia. As the lake's longest-serving insurance agency, we proudly serve the surrounding communities of Moneta, Hardy, Wirtz, Penhook, Union Hall, Glade Hill, Goodview, Huddleston, Rocky Mount, Westlake, Eastlake, Southlake, and Bedford.
We specialize in personal insurance, commercial insurance, and life solutions tailored to your unique needs. Our experienced team partners with top-rated carriers like Auto-Owners, Selective, Safeco, Progressive, The Hartford, National General, Mutual of Omaha, and Anthem to deliver comprehensive coverage options.
Our full range of insurance lines includes:
- Personal Lines Coverage for: Auto, Home (Primary & Secondary), Umbrella, Renters, Condo, Short-Term Rental Homes, Boat, Personal Watercraft, Motorcycle, RV, ATV, Golf Cart, Antique and Classic Auto & Boat,
- Commercial Lines Coverage for: General Liability, Commercial Property, Business Owners Policy (BOP), Workers' Compensation, Commercial Auto, Professional Liability (E&O), Cyber Liability.
- Life & Health Coverage including: Term Life, Whole Life, Universal Life, Health, Medicare Supplement Plans, Disability.
As active members of the Smith Mountain Lake community, we are proud to support local organizations like the SML Regional Chamber of Commerce, Rotary Club of SML, and SML Lions Club. Our office is conveniently located on Booker T. Washington Highway in Moneta, VA, just north of Westlake Corner.
Whether you need to protect your home, your business, or your future, we are committed to providing personalized service and local expertise. Contact us today for a free quote and experience why we've been a trusted name in insurance for over 40 years.
What our clients are saying
"I've needed 2 new policies in the past couple of weeks. Marcelle was super responsive and very easy to work with. Based on the excellent service, I'm planning to do more business with y"
"I so appreciate Phil Hagar Insurance , specifically Crystal has been such a blessing. Shes on top of our insurance yearly. She contacted me when our current carrier increased our premium, she offered to look into a different carrier to save us money. I so appreciate someone that is proactive on my behalf."
"Crystal White was very professional, personable and very good to work with. I was very pleased with my premiums that I received. I would recommend that Phil Hager Insurance Agency."
"Chrystal was informative, professional, friendly, and very helpful. She saved me over $700 and for that I am truly gratefuI. I will be telling family and friends to check out Hager Insurance for the best options."
"I dealt with Crystal at Phil Hager insurance. She was very friendly, helpful and was able to get us a quote within a few days, Later she reached out when our closing date was approaching to be sure the lender had everything they needed. Crystal was wonderful! Highly recommend this company for homeowners insurance on SML."
"Crystal is very professional and helpful. She was able to save me almost $800.00 on my prior policy. It is a pleasure dealing with Phil Hager Insurance. Thank you"
"We always enjoy our experience with Phil Hager Insurance Agency. They have helped us with our insurance needs, both personally and professionally for years. They're a great company and the staff is very helpful."
"Very knowledgeable and easy to communicate with!"
"Very knowledgeable and provides exceptional service. Phil Hager Insurance Agency values the community, their support for local business and small non profits is admirable."
"We always enjoy our experience with Phil Hager Insurance Agency. They have helped us with our insurance needs, both personally and professionally for years. They're a great company and the staff is very helpful."
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Personal Lines insurance professionals
Ask me about these types of insurance...
Having the right car insurance is so important, even more important is understanding all the ins and outs of your coverage to help protect you.
Request an automobile insurance quoteGet multiple quotes on your homeowners insurance with one phone call. Let an independent agent shop for you.
Request a homeowners insurance quoteAn independent insurance agent will walk you through top umbrella policy options to make sure you have the proper coverage to tackle above and beyond claims.
Request an umbrella insurance quoteOur independent insurance agents will find you the right insurance for your farm that covers everything you need.
Request a farm insurance quoteWhy choose Smith Mountain Lake Insurance t/a Phil Hager Insurance Agency
States we serve
- Virginia
Our insurance coverages
Personal insurance coverage
- ATV
- Automobile
- Boat
- Builders Risk / Construction
- Collectible Auto
- Condo
- Earthquake
- Farm
- Flood
- Health
- Home
- Identity Fraud
- Landlord
- Mobile Home
- Motorcycle
- Other
- Personal Watercraft
- Pet
- RV / Motorhome
- Renters
- Short-Term / Sharing
- Snowmobile
- Special Event
- Travel Trailer
- Umbrella
- Vacant Land
- Valuable Items
Business insurance coverage
- Business Owners Package (BOP)
- Business Vehicle
- General Liability
- Property
Life & Annuities coverage
- Annuities
- Life
Recommended insurance company partners
Other companies we work with:
AAA, American Strategic Insurance, Anthem Insurance Company, Auto-Owners Insurance Company, Guard Insurance Group, Hagerty, National General Insurance (GMAC), State Auto, The Hartford, Windsor-Mount Joy MutualSmith Mountain Lake Insurance t/a Phil Hager Insurance Agency Team
Smith Mountain Lake Insurance t/a Phil Hager Insurance Agency Reviews
Customer Reviews
I've needed 2 new policies in the past couple of weeks. Marcelle was super responsive and very easy to work with. Based on the excellent service, I'm planning to do more business with y
I so appreciate Phil Hagar Insurance , specifically Crystal has been such a blessing. Shes on top of our insurance yearly. She contacted me when our current carrier increased our premium, she offered to look into a different carrier to save us money. I so appreciate someone that is proactive on my behalf.
Crystal White was very professional, personable and very good to work with. I was very pleased with my premiums that I received. I would recommend that Phil Hager Insurance Agency.
Chrystal was informative, professional, friendly, and very helpful. She saved me over $700 and for that I am truly gratefuI. I will be telling family and friends to check out Hager Insurance for the best options.
I dealt with Crystal at Phil Hager insurance. She was very friendly, helpful and was able to get us a quote within a few days, Later she reached out when our closing date was approaching to be sure the lender had everything they needed. Crystal was wonderful! Highly recommend this company for homeowners insurance on SML.
Crystal is very professional and helpful. She was able to save me almost $800.00 on my prior policy. It is a pleasure dealing with Phil Hager Insurance. Thank you
We always enjoy our experience with Phil Hager Insurance Agency. They have helped us with our insurance needs, both personally and professionally for years. They're a great company and the staff is very helpful.
Very knowledgeable and easy to communicate with!
Very knowledgeable and provides exceptional service. Phil Hager Insurance Agency values the community, their support for local business and small non profits is admirable.
We always enjoy our experience with Phil Hager Insurance Agency. They have helped us with our insurance needs, both personally and professionally for years. They're a great company and the staff is very helpful.
We prioritize honest feedback from our clients to assist future customers in making well-informed decisions. Our review section showcases authentic experiences from real customers. When a less-than-positive review is submitted, we share it with both the agent and the reviewer to foster collaboration and improvement based on constructive feedback. We also moderate reviews to remove inappropriate content or spam, upholding a high standard of trust and transparency.
