What are the opening hours?

Monday 8:30am - 5pm Tuesday 8:30am - 5pm Wednesday 8:30am - 5pm Thursday 8:30am - 5pm Friday 8:30am - 5pm

Cothran Schoonover Insurance Group

Home
United States
Lynchburg, VA
Cothran Schoonover Insurance Group

We are an Independent Insurance Agency with 7 locations selling Auto, Home and Business insurance in

Cothran Schoonover Insurance is a trusted, independent agency serving Lynchburg and the surrounding Central Virginia region from our Lynchburg office. We leverage partnerships with top carriers—including Cincinnati Insurance, Auto-Owners, Nationwide, and Travelers—to secure optimal personal and commercial coverage at competitive rates. Our experienced agents specialize in auto, home, renters, life, and business insurance, providing tailored guidance and proactive policy reviews. Call us today at (434) 239-2886 for a complimentary quote and experience our customer-first insurance solutions.

11/03/2026

Giuseppe Costagliola just gave Cothran Schoonover Insurance 5 Stars on Google! Thank you so much for your business and feedback!

"Suzanne was wonderful, and easy to work with!"

11/03/2026

Where can you get pet insurance? What does pet insurance cover? 🐶🐱

Pet insurance can help cover medical bills for your pet, subject to the policy’s conditions, exclusions, and limits.

Depending on the plan selected, coverage may include:

✔️ Accidents
✔️ Illnesses
✔️ Surgeries
✔️ Diagnostic testing
✔️ Prescription medications

Each policy has specific limits, deductibles, and waiting periods, so it’s important to review the details carefully.

Since coverage options and pricing vary by company, it’s wise to work with an independent agent who can help compare multiple carriers and find the best fit for your pet and your budget.

Call our Lynchburg, VA office today at (434) 239-2886 for a quote on Pet insurance.

11/01/2026

Does your car insurance cover you if you are driving someone else's vehicle? Are you covered if you drive someone else’s car? 🚗

Yes — in most cases, as long as the vehicle is not furnished or made available for your regular use.

Here’s how it typically works:

✔️ Liability Coverage – Your auto policy liability follows you when driving someone else’s vehicle. However, the vehicle owner’s policy is primary. If damages exceed their liability limits and you are sued for the excess, your policy can provide secondary (excess) coverage.

✔️ Physical Damage (Comprehensive & Collision) – The broadest physical damage coverage you carry on your own policy is typically available as excess coverage over the vehicle owner’s coverage for a non-owned private passenger auto, pickup, or van.

Important limitations:

❌ Coverage generally does not apply if the vehicle is furnished for your regular use.
❌ Physical damage coverage typically does not extend to moving vans or heavy-weight vehicles.

Because policy language can vary, it’s always wise to review your specific coverage before borrowing a vehicle.

Call our Lynchburg, VA office today at (434) 239-2886 for a quote on Car insurance.

10/30/2026

At what point does auto liability coverage begin? When does auto insurance coverage begin? 🚗

Your coverage begins at the exact date and time listed on your policy documents — this is called the effective date.

Coverage can:

✔️ Start immediately (same day)
✔️ Start on a future date you select

Once the policy is active and payment has been made (if required upfront), you are legally insured to drive.

Liability coverage specifically protects you for damage you cause to someone else (the “other guy”) if you’re at fault in an accident — not damage to your own vehicle.

Always confirm the effective date and time before driving to make sure coverage is active.

Call our Lynchburg, VA office today at (434) 239-2886 for a quote on Car insurance.

10/28/2026

What is Special Personal Property on a homeowners policy? What is the Special Personal Property endorsement? 🏡

This is the broadest cause of loss form available for personal property on a homeowners policy.

Instead of covering only named perils, it provides coverage for all causes of direct physical loss to your personal property — except those specifically excluded in the policy.

That’s a major upgrade in protection.

Some of the most notable coverages it adds include:

✔️ Accidental breakage of personal property (with some exclusions for fragile items like eyeglasses or glassware)
✔️ Mysterious disappearance of jewelry, watches, and fi****ms

For example:

• If you accidentally drop and break an 80-inch TV while trying to hang it — it would typically be covered.
• If you misplace a $1,000 ring — it would typically be covered (subject to jewelry limits).

Without this endorsement, many of those situations would not be covered under a standard named-peril personal property form.

Call our Lynchburg, VA office today at (434) 239-2886 for a quote on Home insurance.

10/27/2026

Kim Scott just gave Cothran Schoonover Insurance 5 Stars on Google! Thank you so much for your business and feedback!

"Alex with Cothran Schoonover Insurance was wonderful in navigating analyzing our current policies to save more money. The transition to the new company Aito- Owners went seamlessly because she handled it all. She explained everything clearly on multiple occasions to ensure we understood every aspect with both our Homeowners & Auto Insurance. Thank you Alex!"

10/26/2026

Do I get charged for every accident on car insurance? Will your insurance rate go up after a claim? 🚗

Not necessarily — it depends on the insurance company.

Every carrier handles claims differently:

✔️ Some companies charge for every accident, including collision, comprehensive, and even uninsured/underinsured motorist claims.

✔️ Some carriers may apply a small surcharge even if you weren’t at fault, and the other driver’s insurance paid for your damages.

✔️ Other companies won’t surcharge for an at-fault accident unless the damage exceeds a certain dollar threshold (for example, $1,200 or more).

In short, how a claim impacts your premium varies from carrier to carrier.

That’s one reason it’s important to work with an independent agent who understands how different companies handle claims history.

Call our Lynchburg, VA office today at (434) 239-2886 for a quote on Car insurance.

10/24/2026

Can you buy insurance without an agent? Can you buy insurance online? Yes.

But should you? That’s where it depends.

When you purchase coverage online without an agent, you are:

✔️ Selecting coverages on your own
✔️ Choosing limits and deductibles without professional guidance
✔️ Responsible for identifying potential gaps

And if a claim is denied, you may be left fighting the insurance company on your own.

Working with an independent agent gives you:

✔️ Access to quotes from multiple insurance companies
✔️ Professional recommendations tailored to your situation
✔️ An advocate to help guide you through the claims process
✔️ Ongoing service and coverage reviews

Insurance isn’t just about getting a policy — it’s about having someone in your corner when you need them most.

Call our Lynchburg, VA office today at (434) 239-2886 for a quote on Car and Home insurance.

10/22/2026

What add-ons should I get for renter's insurance? Important Renters Insurance Coverages to Consider 🏢

A standard renters policy is a great start — but there are important optional coverages you may want to add for better protection.

✔️ Additional Living Expense (ALE) – Pays for hotel stays and increased food costs if you’re displaced from your rental unit due to a covered loss.

✔️ Water Backup – Covers damage caused by water backing up through sewers or drains (not automatically included on most policies).

✔️ Replacement Cost on Personal Property – Pays to replace your belongings with new items instead of factoring in depreciation.

✔️ Scheduled Jewelry & Fi****ms – Provides broader coverage and higher limits for valuable items.

✔️ Earthquake Coverage – Optional coverage for earthquake-related damage.

✔️ Flood Coverage – Requires a separate flood policy or endorsement; not covered under a standard renters policy.

✔️ Building Additions & Alterations – Covers improvements you install in the unit (such as upgraded flooring or fixtures).

✔️ Refrigerated Property Coverage – Covers food spoilage due to power outage or equipment breakdown (if added).

Not all renters policies are created equal. Reviewing these options can help prevent gaps in coverage.

Call our Lynchburg, VA office today at (434) 239-2886 for a quote on Renters insurance.

10/20/2026

What do you call insurance for high-end items...: The Practical Breakdown Personal Articles Floater Insurance basics: Jewelry, art, cameras, and collectibles may need a Personal Articles Floater. It often covers more situations than a standard homeowners policy and insures the items for an adequate limit.

Call our Lynchburg, VA office today at (434) 239-2886 for a quote on Jewelry, Fine Art or Collectibles insurance.

10/12/2026

Walter Turcios just gave Cothran Schoonover Insurance 5 Stars on Google! Thank you so much for your business and feedback!

""

10/07/2026

Alexander Sipaque just gave Cothran Schoonover Insurance 5 Stars on Google! Thank you so much for your business and feedback!

"(Translated by Google) Excellent service

(Original)
Excelente servicio"

10/06/2026

Betty just gave Cothran Schoonover Insurance 5 Stars on Google! Thank you so much for your business and feedback!

""

10/02/2026

Doodles Manuel just gave Cothran Schoonover Insurance 5 Stars on Google! Thank you so much for your business and feedback!

"Friendly, knowledgeable and willing to help. Thanks for your patience!"

10/01/2026

Julissa Rivera just gave Cothran Schoonover Insurance 5 Stars on Google! Thank you so much for your business and feedback!

"(Translated by Google) Rosa was very kind to me. I can see she loves her job because of the way she treated me. She helped me a lot with what I needed and solved my problem.

(Original)
Rosa fue una persona muy amable conmigo, veo que es una persona que ama su trabajo por la manera en que me atendió, me ayudó mucho con lo que yo necesitaba, solucionó mi problema"

09/28/2026

Griselda Torres just gave Cothran Schoonover Insurance 5 Stars on Google! Thank you so much for your business and feedback!

""

09/24/2026

Grace Mccarthy just gave Cothran Schoonover Insurance 5 Stars on Google! Thank you so much for your business and feedback!

"Rosa was incredibly nice and very helpful. Much recommended 👌"

09/06/2026

Katrina Gray just gave Cothran Schoonover Insurance 5 Stars on Google! Thank you so much for your business and feedback!

"There are no words to adequately express my deep appreciation for the professionalism and excellent service I received from Suzanne. She exceeded my expectations in every way and provided an excellent quote! She was very quick to respond to my questions and emails and I greatly appreciate her support and help during a difficult family time of grief. She is an asset to her company in every way!"

Address

7212 Timberlake Road
Lynchburg, VA
24502

Opening Hours

Monday	8:30am - 5pm
Tuesday	8:30am - 5pm
Wednesday	8:30am - 5pm
Thursday	8:30am - 5pm
Friday	8:30am - 5pm

Website

https://www.c-sinsurance.com/

Alerts

Be the first to know and let us send you an email when Cothran Schoonover Insurance Group posts news and promotions. Your email address will not be used for any other purpose, and you can unsubscribe at any time.