On the water
Boat & yacht
Hull, liability and trailering — from a skiff on the creek to a cruiser on the Chesapeake.
Urbanna, Virginia · Independent since 1946
Insurance for life on the water.
An independent agency on Virginia's Middle Peninsula, covering the houses, boats, businesses and retirements of Middlesex County for eighty years.
- Independent agent
- Travelers appointed
- Middlesex County & the Middle Peninsula
- Family run
What we cover
One agency for everything you own.
Personal and commercial lines across the Middle Peninsula. If you are not sure what you need, that is what the phone call is for.
Property
Home & condo
Homeowners, condo, renters and landlord cover, whether you own the house, rent it, or rent it out.
Auto
Car insurance
Personal auto, written through the carriers we represent.
Commercial
Small business
Cover for the shops, contractors and marine trades that keep the Peninsula working.
Liability
Umbrella
Extra liability that sits above your home and auto policies — the cheapest peace of mind we sell.
Specialty
Valuables & events
Jewelry and valuable items, plus wedding and event cover for the day it all has to go right.
Who we serve
New to the county, or here for the season.
Retiring to the river
Moving to Middlesex
People land here from Richmond, Northern Virginia and out of state entirely — for the water and the quiet. Your old policies do not simply follow you. Cover written for a suburb rarely fits a house on a tidal creek, and the auto rates you were quoted three states ago are not the ones you will pay here.
We rewrite the whole picture at once — house, cars, umbrella, the boat if there is one — so you end up with one agent and one renewal date instead of four.
Ask about flood early. It is the one thing a standard homeowners policy does not cover, and on this side of the county it is what people wish they had asked about sooner.
Seasonal sites
At the camp-resort
Bethpage Camp-Resort sits on three hundred acres of Rappahannock waterfront just outside town, open April through November. A good share of those sites hold the same families year after year.
A seasonal site asks questions a homeowners policy was never written to answer. What follows the trailer down the road, and what stops at the gate? What happens when the boat is in the water, the golf cart is in the lane, and the truck is towing something that belongs to neither?
Bring us the list. We will tell you plainly where the gaps are, and whether they are worth closing.
The town
Eighty years on a street that predates the county seat.
Urbanna has been a working port for three and a half centuries. Our office has been on Prince George Street for the last eighty years of it.
1680
A port is designated
Virginia's Colonial Assembly names Urbanna one of the original tobacco ports, alongside Yorktown, Jamestown and Norfolk.
1705
The town is chartered
Officially created and named Urbanna — "City of Anne" — for the reigning Queen Anne. Travelers paid five pounds of tobacco, or sixpence, for a night at the tavern on Prince George Street.
1849
The court moves on
Justices decline to keep repairing the 1745 courthouse and move the county seat to Saluda, where it remains. Urbanna keeps the harbour.
1946
Folliard & Hall opens
The agency begins writing insurance from Prince George Street, where it still is — now led by Eugene and Martin Folliard.
Why independent
We don't work for an insurance company.
A captive agent can sell you exactly one company's policy — the one whose name is on the door. We're independent, so we place your cover with whichever of our carriers fits you best, including Travelers.
It matters most at renewal. When your premium moves, we can take your cover back out to the market instead of asking you to accept the increase. You get one agent and one phone number; we handle the rest.
- Eugene FolliardPresident
- Martin H. FolliardVice President
Get in touch
Call the office.
(804) 758-5387
- Toll free
- 1-800-296-3655
- [email protected]
- Fax
- (804) 758-0659
Visit the office
220 Prince George Street
Urbanna, Virginia 23175
Mail: PO Box 730, Urbanna, VA 23175