Phil Hager Insurance Agency

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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.

🔌 Just because your power strip has an empty outlet doesn't mean you should fill it!Overloaded power strips and extensio...
10/15/2026

🔌 Just because your power strip has an empty outlet doesn't mean you should fill it!

Overloaded power strips and extension cords can overheat and create a serious fire hazard. A few simple precautions can help protect your home and family.

✅ Check the power strip's electrical rating and don't exceed its capacity
✅ Never plug one power strip into another
✅ Plug space heaters and other high-wattage appliances directly into wall outlets, not power strips
✅ Replace damaged, frayed or overheating cords and power strips
✅ Use extension cords only as a temporary solution, not as permanent household wiring

Electrical safety is an important part of protecting your home. Take a few minutes to check the cords and power strips around your house, especially as we head into the colder months!

And if it's been a while since you've reviewed your homeowners insurance, we're always happy to help make sure your coverage fits your needs.

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

🕯️ Did you know that candles are responsible for an average of 16 home fires every day in the United States? According t...
10/13/2026

🕯️ Did you know that candles are responsible for an average of 16 home fires every day in the United States? According to the National Fire Protection Association (NFPA), many of these fires are caused by candles being placed too close to something that can burn.

Candles can make your home feel warm and inviting, especially during the cooler months, but a little caution goes a long way!

Here are a few simple candle safety reminders:
✅ Keep candles at least 12 inches away from anything that can burn, including curtains, decorations and furniture.
✅ Never leave a burning candle unattended.
✅ Place candles in sturdy holders on stable, heat-resistant surfaces.
✅ Keep lit candles out of reach of children and pets.
✅ Blow out all candles before leaving a room or going to bed.

For a safer alternative, consider flameless, battery-operated candles. You can enjoy the cozy glow without the open flame!

Protecting your home starts with prevention, and having the right homeowners insurance provides another important layer of protection. Have questions about your coverage? We're here to help!

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

🚒🔥 It's Fire Prevention Week! October 4–10, 2026This year's theme is "Charge into Fire Safety: Safe Charging Is a Superp...
10/08/2026

🚒🔥 It's Fire Prevention Week! October 4–10, 2026

This year's theme is "Charge into Fire Safety: Safe Charging Is a Superpower!" ⚡

From smartphones and laptops to power tools and e-bikes, rechargeable lithium-ion batteries are part of our everyday lives. But improper charging, damaged batteries and overheating can create serious fire hazards.

Here are a few ways to charge safely:

✅ Use the charging equipment recommended by the device manufacturer.
✅ Charge devices on a hard, stable surface, away from beds, couches and other flammable materials.
✅ Stop using batteries that are swollen, damaged, overheating or giving off unusual odors.
✅ Keep batteries and devices away from extreme heat and direct sunlight.
✅ Follow the manufacturer's instructions for charging, storage and disposal.

A few smart habits can help prevent a devastating fire. Take time this week to check how your household uses and charges its devices!

And remember, protecting your home also means making sure you have the right insurance coverage. We're always happy to help you review your homeowners policy.

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

🚒🔥 It's Fire Prevention Week! October 4–10 is a time to focus on fire safety and the simple steps we can take to protect...
10/08/2026

🚒🔥 It's Fire Prevention Week!

October 4–10 is a time to focus on fire safety and the simple steps we can take to protect our families, homes and businesses.

A little prevention goes a long way! Here are five reminders to help keep your household safe:

✅ Test smoke alarms regularly and replace them when needed
✅ Keep anything that can burn at least three feet away from heating equipment
✅ Never leave cooking unattended when frying, grilling or broiling
✅ Have a home fire escape plan and practice it with everyone in your household
✅ Keep fire extinguishers accessible and know how to use them safely

Fire prevention starts with awareness, but it's also important to make sure your homeowners insurance is keeping up with your needs. If you haven't reviewed your coverage recently, we're happy to help!

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

🔐 October is Cybersecurity Awareness Month, and this year's message is simple: Don't Make It Easy for Them!Cybercriminal...
10/08/2026

🔐 October is Cybersecurity Awareness Month, and this year's message is simple: Don't Make It Easy for Them!

Cybercriminals look for opportunities to access personal information, financial accounts and business data. A few simple habits can make their effort much harder:

✅ Use strong, unique passwords and a password manager.
✅ Turn on multifactor authentication whenever possible.
✅ Think twice before clicking suspicious links or opening unexpected attachments.
✅ Keep your devices, apps and security software updated.
✅ Regularly back up important files and information.

For business owners, cybersecurity is also an important part of managing risk. This October, take a few minutes to strengthen your digital defenses.

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

Patricia Chattin gave us a 5 star review on Google: "I have been with Phil Hager for decades now and have never been dis...
10/06/2026

Patricia Chattin gave us a 5 star review on Google: "I have been with Phil Hager for decades now and have never been disappointed. They are quick to find a better policy when life circumstances change and have helped us navigate through adding teenagers, changing home policies and they always strive..."

https://sotellus.com/reviews/phil-hager-insurance-agency/6kkRWan0/

Carol Boychuck gave us a 5 star review on Google: "I was very pleased with my visit with Crystal White and how she handl...
10/04/2026

Carol Boychuck gave us a 5 star review on Google: "I was very pleased with my visit with Crystal White and how she handled my paperwork for my new auto insurance policy. Very satisfied with my new policy coverage with Auto Owners insurance company.!"

https://sotellus.com/reviews/phil-hager-insurance-agency/kB5xTTg9/

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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