Bev Alexander
Local Insurance Guidance for Northern Neck Families & Businesses
Protect what matters with a fourth-generation independent insurance agency serving the Northern Neck and Middle Peninsula from our Callao and Montross offices.
Serving Northern Neck Since 1948 With Real Local Support
Insurance can feel confusing when you’re not sure if you’re paying for the right coverage or missing something important. Many families and small business owners across the Northern Neck want clear answers without sitting on hold with a distant call center. Cralle Insurance Agency Inc has been a fourth-generation family business since 1948, operating as an independent insurance agency with offices in Callao and Montross so you can speak with a local team that knows the area. Whether you live near the waterfront in Kilmarnock or run a small company closer to Montross, you’ll have one nearby point of contact who helps you compare options and move forward confidently.
Coverage That Removes the “What If?” Stress
When insurance feels like guesswork, it’s hard to know if you’re truly protected. With Cralle Insurance Agency Inc guiding your next step, you get clarity built around your real risks and local realities.
Independent Carrier Access
You don’t have to call multiple companies yourself; we compare coverage options across carriers so you can see what fits your home, vehicles, or business in one conversation.
Coastal & Flood Awareness
Living near rivers and the Chesapeake Bay brings unique concerns, and our maintained flood quote capability helps you start with a flood quote quickly and understand what protection makes sense.
Two Local Offices
When you need help, you can call or stop by our Callao or Montross locations and talk to someone who understands the Northern Neck and Northern Peninsula communities.
Personal & Business Solutions
From auto and home insurance to general liability and workers’ compensation, your policies can be coordinated through one local insurance office that keeps things organized.
Trusted by Families and Businesses Across the Northern Neck
Dodie Winstead
John Scates
Insurance Solutions That Fit Your Real Life
Personal Insurance
If you’re unsure whether your auto, home, boat, or umbrella coverage truly matches your risks, we’ll walk through what you own and how you use it so your protection aligns with your everyday life. As an independent insurance agency, we compare options and explain tradeoffs clearly, so you’re not locked into a single carrier’s perspective.
Business Insurance
Running a small business or contracting company means juggling liability, vehicles, and workers’ compensation requirements that can change as you grow. We help you understand what insurance your small business needs and structure coverage that reflects your actual operations, not a generic template.
Flood Insurance
Flood risk isn’t always obvious in coastal and water-adjacent communities, and standard homeowners policies often don’t cover it. Use our dedicated flood insurance quote tool to understand your options and take the next step with guidance from a local team.
Carriers & Payments
When it’s time to make a payment or access policy documents, you shouldn’t have to search around for login details. We provide direct access to carrier portals so existing policyholders can manage payments quickly while still calling us anytime for help.
Who We Help Across Our Community
Homeowners & Drivers
Whether it’s your primary residence, second home, or daily commute, we help households in Callao, Montross, and surrounding communities coordinate auto and home insurance in a way that feels organized and straightforward.
Contractors & Trades
From general liability to commercial auto and workers’ compensation, contractors need coverage that reflects real jobsite risks and vehicle use. We help trades and service businesses across the region keep policies aligned as projects and crews change.
Waterfront & Coastal Property Owners
Owning property near the water brings questions about wind, flood, and liability exposure. We help waterfront homeowners review policies carefully and start flood protection conversations early.
Stop Guessing and Get Clear Coverage Options
You don’t have to figure this out alone or wonder if you’re overpaying for the wrong protection. People across the Northern Neck turn to Cralle Insurance Agency Inc when they want to speak with a local insurance agent near Callao or Montross who can compare options and explain them plainly. Call today, request a quote online, or start with a flood quote to know your next step with confidence.
