Phil Hager Insurance Agency

Phil Hager Insurance Agency Family owned Independent Insurance Agency serving Smith Mountain Lake and all of VA since 1984.
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Since 1984, Phil Hager Insurance Agency, Smith Mountain Lake, Virginia's longest serving insurance agency, has been insuring residents of Franklin County, Bedford County, the Smith Mountain Lake Region and all of Virginia. We specialize in serving the surrounding Smith Mountain Lake communities of Moneta, Hardy, Wirtz, Penhook, Union Hall, Glade Hill, Goodview, Huddleston, Rocky Mount, and Bedford

. We offer a wide range of products from well known and respected regional and national companies such as Allstate, Safeco, Progressive, Auto-Owners, The Hartford, National General, State Auto, Mutual of Omaha, and Anthem. Whether you have a need for Auto Insurance, Home Insurance (Primary or Secondary), Short Term Rental Home Insurance, Toy (Boat, Motorcycle, ATV, Golf Cart, RV) Insurance, Business Insurance, Life Insurance, Health Insurance, or Medicare Supplement Insurance, Phil Hager Insurance Agency provides the local experience you need to assist you in making the right choices. We specialize in listening to your specific needs and creating a custom fit insurance package.

September is Life Insurance Awareness Month, making it a good time to think about whether your coverage still fits your ...
09/01/2026

September is Life Insurance Awareness Month, making it a good time to think about whether your coverage still fits your life. 💙

Marriage, a new home, children, a career change or even simply the passage of time can change how much protection your family may need.

If it’s been a while since you reviewed your life insurance, we can help you take a fresh look at what you have and talk through your options.

📞 (540) 721-8822 | ✉️ [email protected] | 🌐 InsureSML.com

🏠 Hurricane preparation starts before there's a storm at your doorstep.Take some time to look over your home for mainten...
08/27/2026

🏠 Hurricane preparation starts before there's a storm at your doorstep.

Take some time to look over your home for maintenance issues that could become bigger problems during heavy rain and high winds. Check the roof, make sure windows and exterior doors are secure, and look for signs of existing leaks or water intrusion.

It's also a good time to review your homeowners insurance and know what your policy does and doesn't cover before severe weather arrives.

Questions about your coverage? Give us a call.

📞 (540) 721-8822 | ✉️ [email protected] | 🌐 InsureSML.com

🏗️ Construction projects come with plenty of moving parts, and plenty of opportunities for the unexpected.Builders risk ...
08/25/2026

🏗️ Construction projects come with plenty of moving parts, and plenty of opportunities for the unexpected.

Builders risk insurance can help protect a project while it’s under construction from covered losses such as fire, theft, vandalism, lightning, severe weather, and explosions. Coverage can vary by policy, so it’s important to make sure the protection matches the specific project, materials, and risks involved.

Planning a new build or major renovation? Phil Hager Insurance Agency can help you review your options before work begins.

📞 (540) 721-8822 | ✉️ [email protected] | 🌐 InsureSML.com

💧 Water in the basement doesn't always mean the same thing when it comes to your homeowners insurance.A burst pipe, risi...
08/20/2026

💧 Water in the basement doesn't always mean the same thing when it comes to your homeowners insurance.

A burst pipe, rising surface water, and a sewer or drain backup can be treated very differently under an insurance policy. Standard homeowners insurance generally does not cover flooding caused by rising surface water, and sewer or drain backup coverage may need to be added separately.

That's why it's worth understanding your coverage before there's water on the basement floor.

Not sure how your current policy would respond to different types of water damage? Give us a call. We can review your coverage and help identify any gaps you may want to address.

📞 (540) 721-8822 | ✉️ [email protected] | 🌐 InsureSML.com

🎓 First apartment? New car? Starting your career? Your insurance needs can change quickly in your late teens and early 2...
08/18/2026

🎓 First apartment? New car? Starting your career? Your insurance needs can change quickly in your late teens and early 20s.

Depending on where you live, what you drive and where you are in life, it may be time to think about auto insurance, renters insurance and other coverage that protects what you're beginning to build.

One advantage of working with a local independent agency is that you don't have to figure out what you need on your own. We can look at your situation, explain your options and help you find coverage that makes sense for this stage of life.

📞 (540) 721-8822 | ✉️ [email protected] | 🌐 InsureSML.com

Address

13840 Booker T Washington Highway, Suite A
Moneta, VA
24121

Opening Hours

Monday 9am - 5pm
Tuesday 9am - 5pm
Wednesday 9am - 5pm
Thursday 9am - 5pm
Friday 9am - 5pm

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