Protecting Virginia Families and Businesses for Over 150 Years

Whether you are opening a new business, buying a car, want to protect your home, or have any other insurance need, we would love to have the opportunity to serve you.

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Insurance for All of Life

At Hanckel-Citizens Insurance, we work for you. As an independent insurance agency, we can tailor an insurance plan that offers reliable coverage and affordability. We offer insurance for all stages and changes in life, including home insurance, auto insurance, business insurance, life insurance, renters insurance, umbrella insurance, and recreational vehicle insurance.

Insurance Services

Auto
Insurance

Family sitting in the open trunk of a car surrounded by autumn leaves.

Home
Insurance

A two-story suburban house with a landscaped front lawn and colorful autumn trees under a clear blue sky.

Business
Insurance

Woodworker shaping a piece of wood with a hand plane at a workshop bench.

Life
Insurance

Family playing with autumn leaves in a colorful forest, with parents and a child enjoying a fall day outdoors.

Recreational
Insurance

Vintage camper trailer campsite beside a calm lake in an autumn forest, with string lights, outdoor chairs, and a picnic table.

✰✰✰ Customer Reviews ✰✰✰

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Tim Cotten profile picture
Tim Cotten
29 October 2025
Google star 1Google star 2Google star 3Google star 4Google star 5Trustindex verifies that the original source of the review is Google.
Heather and Dave provided prompt, professional service to get my business coverage.
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Sandra Savine profile picture
Sandra Savine
26 March 2025
Google star 1Google star 2Google star 3Google star 4Google star 5Trustindex verifies that the original source of the review is Google.
Oh my, where do I begin to praise Hanckel Citizens Insurance Company? Let me begin by saying how amazing, efficient, kind, helpful and knowledgeable Colleen Marshall and Julie Jason are. My husband of 47 years took care all the insurance business for us. When he died I was clueless and insecure. These two awesome women came to my rescue. I am forever indebted to them. And, I am grateful for all that they do.
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Greg Goodson profile picture
Greg Goodson
18 January 2024
Google star 1Google star 2Google star 3Google star 4Google star 5Trustindex verifies that the original source of the review is Google.
Thank you Colleen and team at Hanckel Citizens Insurance. Easy to work with, super responsive, and most importantly, saved me a boatload of money. My only regret is that I didn't call them years ago.
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Dale Dealtrey profile picture
Dale Dealtrey
9 January 2024
Google star 1Google star 2Google star 3Google star 4Google star 5Trustindex verifies that the original source of the review is Google.
I've had all of my insurance policies with Colleen at Hanckel- Citizens for four years and have been very happy with the service. They are helpful, professional and immediately responsive to all inquiries. I highly recommend them.
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Howard Miller profile picture
Howard Miller
8 January 2024
Google star 1Google star 2Google star 3Google star 4Google star 5Trustindex verifies that the original source of the review is Google.
Colleen at Hanckel-Citizens exemplified what excellent customer service should be everywhere. She was quick, polite, thorough, professional, and saved me a bundle of money by joining my auto insurance policy with my wife's policy. If I could give six stars I would.
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Elizabeth E Askew profile picture
Elizabeth E Askew
21 November 2023
Google star 1Google star 2Google star 3Google star 4Google star 5Trustindex verifies that the original source of the review is Google.
Colleen did a thorough review of our existing policies and recommended less costly and enhanced coverage. Very professional and personable.
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Heidi Johnson profile picture
Heidi Johnson
26 October 2023
Google star 1Google star 2Google star 3Google star 4Google star 5Trustindex verifies that the original source of the review is Google.
Colleen Marshall at Hanckel-Citizens Insurance is the most helpful, knowledgeable insurance professional we have had the pleasure to know for almost 7 years. She is proactive, explains everything with patience, and responds quickly to emails and phone calls. She is a customer service gem. We're so grateful to her for helping our family with our insurance needs over the years.
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H E Snoddy profile picture
H E Snoddy
14 April 2023
Google star 1Google star 2Google star 3Google star 4Google star 5Trustindex verifies that the original source of the review is Google.
Recently purchased a used vehicle. While at the dealership, I was able to contact Hanckel Citizens and get coverage on the new to me vehicle! Heather went above and beyond to ensure (get it?) I received quality customer service. Great company with great reps! 10/10 would recommend.
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Pat Stouffer profile picture
Pat Stouffer
2 December 2021
Google star 1Google star 2Google star 3Google star 4Google star 5Trustindex verifies that the original source of the review is Google.
Excellent service
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Kay Graves profile picture
Kay Graves
14 February 2020
Google star 1Google star 2Google star 3Google star 4Google star 5Trustindex verifies that the original source of the review is Google.
Heather and Colleen are a dream to work with. In one week I've met with them multiple times and they've worked hard to find the best coverage and the best rates for me. I could not be more pleased with their professionalism and diligence to their jobs.

Our agency is licensed in the state of Virginia.

Office Hours

  • 8:30am – 4:30pm Monday - Thursday
  • 8:30am – 3:00pm Friday
    (our office is closed for lunch from 1:00pm – 2:00pm)

The information provided on this website is for general informational purposes only and does not constitute insurance advice. Coverage cannot be bound, altered, or canceled via this website, email, voicemail, or online forms. All coverage is subject to the terms, conditions, and exclusions of the policy issued. Please speak with a licensed agent for specific coverage guidance.