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Bundle and Save on Home & Auto Insurance
Bundling home and auto insurance can be an easy way to streamline coverage and potentially save.
Protect Your West Virginia Home with Confidence
Your home is one of your most significant investments, and ensuring it is protected should be a straightforward process. In West Virginia, where risks can range from heavy mountain snowfall and flash flooding to the unique geological concerns of our region, having a policy that fits your property’s specific location is essential.
Many homeowners don't realize their coverage has gaps—such as missing endorsements for water backup or specific protection for mine subsidence—until they need to file a claim. We help you understand exactly what your policy covers, from the structure of your home to your personal belongings and liability, so you can move forward with confidence.
Ready to ensure your West Virginia home is properly protected?
Give us a call at 1-800-733-2530 or get a quote here!
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Basic Homeowners Insurance Coverages
Dwelling
Protects your home's structure, built-in appliances and wall-to-wall carpet from damage.
Contents
Helps cover your personal property not attached or built into your home.
Personal Liability
If an accident occurs in your home that damages someone or something, personal liability can help pay those damages.
Ordinance or Law Insurance
Can help pay to rebuild your home to current building codes after a covered loss.
Other Structures
Covers additional structures not attached to your house. This could be a shed, fence, barn, or detached garage.
Medical Payments to Others
May help pay for medical expenses of someone who is injured on your property.
Loss of Use
Coverage to help pay for additional living expenses if you're unable to live in your home due to a covered loss.
What is Home Insurance?
Homeowners insurance is a policy that helps protect your home and personal belongings from common risks like fire, wind, hail, lightning, and certain types of water damage. If something unexpected happens, you can file a claim and your insurance helps pay for repairs or replacements, minus your deductible. A standard policy also includes personal liability coverage, which can help protect you financially if someone is injured on your property or you accidentally damage someone else’s belongings. A key benefit of the personal liability coverage on the home policy is that it also provides off premises liability if you are found legally responsible for injuries. In short, homeowners insurance provides essential protection for your house, what’s inside it, and the everyday risks that come with owning a home.
Little-known facts about Homeowners Insurance
Many parts of insuring a home aren’t obvious at first glance. Our role is to help you navigate those details and avoid common problem areas, including:
- Most policies will not cover sewer backup, unless you purchase a special endorsement
- Damages caused by surface water or water that flows below the surface of the ground aren’t usually covered
- A standard homeowners policy typically does not include Flood Insurance
- A standard homeowners policy only covers jewelry, up to set limits if the loss resulted from the theft peril named on the policy
- Many policies default to actual cash value, which means if you purchased a widescreen TV and home theater system for $1,000, it may now only be worth $450, so that's all you'll receive on the claim. Just like the dwelling limit mentioned above, replacement cost insurance pays out the total replacement value of your possessions, not their market value, in the event of a claim.
- While West Virginia law does not require you to carry homeowners insurance, your mortgage lender almost certainly will. If you have a loan on your home, your bank will mandate a policy that protects their investment against fire, wind, and other major perils.
- Because of our state's geography, West Virginia law requires insurance companies to offer you coverage for Mine Subsidence (damage caused by the collapse of underground coal mines). While you are not required by law to purchase it, you must sign a specific waiver if you choose to decline this protection.
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Why Choose Us
We Shop For You
As an independent insurance agency, we have dozens of insurance carriers competing for your coverage. Our goal is to give you options without the hassle.
Knowledge You Can Rely On
Our team takes the time to understand your unique risks and recommend solutions that make sense for you. We’re here to simplify insurance and help you understand the coverage suited for you.
Service That Puts You First
Questions? Changes? We’re just a call or click away. Our dedicated agents are committed to providing responsive, personalized support whenever you need it.
Support When It Matters Most
If the unexpected happens, we’re by your side. From navigating claims to answering tough questions, we make sure you’re never alone in the process.