We are Open Monday through Friday - 9am to 6pm


Racey and Dean Inc. is a family owned and community focused independent insurance agency and real estate brokerage located in Clifton Forge, VA. Racey and Dean Inc. was founded in 1934 and has been serving the insurance and real estate needs of the Alleghany Highlands of Virginia for over 75 years. Racey and Dean Inc. sells multiple lines of insurance (personal, commercial, life, health, bonds) and offers a variety of real estate properties for sale. We represent multiple insurance companies as an independent agency and can find the company/product that fits your needs at the best price.

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James B. Racey founded the business in 1934 as James B. Racey & Co.. Aubrey E. Dean, who was raised in Clifton Forge,VA , joined Mr. Racey in business around 1946. Aubrey Dean returned to Clifton Forge, VA to live and work in the community after serving in World War II as a Major in General George Patton’s 3rd Army Corps of Engineers. Aubrey Dean raised his family in Clifton Forge. He sold insurance and developed real estate in Clifton Forge and Alleghany County; housing was needed as the population was growing because the C&O Railroad was hiring. James B. Racey & Co. ultimately became Racey and Dean Inc.

Thomas P. “Tom” Dean, son of Aubrey Dean joined the business in 1972 after graduating from Clifton Forge High School and the Catholic University of America in Washington, D.C… Tom worked with Aubrey for over 20 years to grow Racey and Dean Inc.’s insurance business, sell real estate and develop neighborhoods in “the Heights” area of Clifton Forge. Tom served as President of the agency Until his passing in July of 2016. Mary Anne Dean, Tom’s wife, began working at Racey and Dean Inc. in 1996; Carl D. Brinkley joined Racey and Dean as an independent contractor real estate salesman in 1999. Kelly C. Dean, daughter of Tom and Mary Anne Dean, began working at Racey and Dean Inc. in 2005. Racey and Dean Inc. is known for integrity, strong customer service and versatility.



As an Independent insurance agency we sell personal, commercial, life and health insurance. If you have a questions, Please send us a Message.

We represent the following companies:

  • The Travelers Insurance Company
  • The Hartford Insurance Company
  • Southern Insurance Company of Virginia
  • Foremost Insurance Company
  • Progressive Insurance Company
  • Augusta Mutual Insurance Company
  • Aegis Insurance Company
  • Anthem Blue Cross Blue Shield of Virginia


Auto (Personal) coverage has two parts. The first is the liability section of the policy. It covers your financial responsibility for injuring others and some coverage is required by most states.

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The second part covers the car itself: comprehensive coverage reimburses losses from fire, theft or other perils; collision coverage pays to repair losses caused by an accident. Often this coverage is mandated by leasing companies or banks. There are also ancillary medical, car rental and other coverages which vary by state. Utilizing high deductibles on the physical damage coverages can help reduce premiums. If you carry umbrella insurance, you must be sure that you carry the required amount of basic liability insurance to avoid a gap in coverage for a serious accident.


If you have tangible assets, you need the protection of a homeowners policy. These policies cover you in a home or an apartment, whether you are an owner or a renter.

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A well-written homeowners policy will pay to replace any of your personal property that is destroyed in a fire or other disaster. The policy will also be your first line of defense against a lawsuit from someone injured at your home. The cost of this coverage is determined by many rating factors. The quality of the coverage, however, is determined by the quality of the insurer and whether the policy is written on a named perils or all-risk basis. A named-perils policy covers only those losses specifically cited in the contract. The all-risk policy works the opposite way — unless a peril is specifically excluded, coverage is provided. The all-risk policy is broader and the burden of proof is on the carrier, not you, in the event of a loss.


Business Owners Package policy, commonly called a “BOP” contains many of the insurance coverages needed by most small businesses.

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While these policies are not standard, there is great variation from insurance company to insurance company; there are certain common elements. The basic BOP offers business property for both building and contents, and liability insurance protection for the operation of your business. This liability protection will generally include both the operation of your business, at its established location, and the liability from your products or completed operations. Some, but not all of the policies, will also offer business income and extra expense protection after an insured loss. BOP policies do not contain all of the coverages needed by a small business. Notably they do not cover any workers’ compensation, professional liability, or business vehicle coverage.


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Kelly Dean, President and Agent
Office: (540) 862-5744
Office Fax: (540) 862-4611

Mary Anne Dean, Vice President and Agent
Office: (540) 862-5744
Office Fax: (540) 862-4611

Kelly Dean, President and Agent Photo by Chuck Almarez


Alleghany Highlands

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"Your Virginia agent in the Alleghany Highlands surrounded by the Town of Clifton Forge, City of Covington, Alleghany, Botetourt, Bath and Rockbridge Counties."

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Please send Racey and Dean Insurance a message below to get more information about our insurance products and services.

We are Open Monday through Friday - 9am to 6pm.
Visit our Office at
535 Main St.
Clifton Forge, VA 24422
Office Phone: (540) 862-5744
Mobile: (540) 958-5114
Fax: (540) 862-4611