Homeowners Insurance in Beckley, WV

Your Home Is Important, Make Sure It’s Protected

You have to ask yourself…

What would happen if a disaster struck your home tomorrow? Are you confident you’re properly covered for damages and total loss? Two out of three American homeowners are underinsured, so there's a good chance you would be stuck paying out of pocket for some of the repairs.

These questions are crucial to address because major insurance carriers may put a hold on new clients prior to a forecasted natural disaster or weather event. More importantly, when you're facing a crisis, you’ll feel less pressure knowing:

Your representative took the time to make sure you have the right protection
Your insurance agency has your back

Ready to get started? Give us a call at 304-225-6191 or compare quotes online!

Visit Us

Compare Quotes

Why We Are Different

We Shop for You

As an independent agency we have dozens of insurance carriers competing for your coverage. We will compare coverage & quotes to ensure you are getting our best plan.

We Have Experience

Our experienced insurance professionals are here to formulate your personal insurance plan and help you understand the insurance programs suited for you.

We Are Here for You

Our dedicated agents are ready to serve you and can answer any questions you have about your insurance plan.

We Have Your Back

Accidents happen. We are here to guide you through the claims process when something goes wrong.

What is Home Insurance for?

Home insurance covers the hazards that most homeowners face. in the event of theft, water backup, personal injury and other types of losses.

When a loss occurs, you will file a claim with your insurance carrier, and you are paid for the expenses, minus any outstanding deductible amounts.

Insurance can also cover personal liability exposures, to protect you from many situations that could lead to lawsuits from others.

For instance, if someone slips and falls in your home or is injured somewhere on your property, you can be held responsible. Liability coverage is there to protect you.

You could also potentially need insurance to protect you from having to pay for:

Storm damage, fire, windstorm, lightning, and hail
Dog bite liability
Manufactured home coverage
Trampoline or swimming pool liability insurance
Wind damage
Sinkholes
Flood damage
Sewer or septic backups
Replacement cost for personal property
Umbrella liability insurance

When you see an independent insurance agent like us you have the chance to explore all your options for insurance, and protect the things that are most important to you.

Basic Homeowners Insurance Coverages

Dwelling

Protects your home's structure, built-in appliances and wall-to-wall carpet from damage

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 or funeral 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.

Two out of Three American Homeowners are Underinsured

You may not have enough homeowner's insurance. Things to consider when shopping for homeowner's insurance.

Are Your Valuables Covered?

Personal inland marine insurance, also known as scheduled personal property, can provide coverage for your personal property that is typically limited under property coverage.

You Need Personal Cyber Insurance

Were you hacked? Again. Cyber attacks are on the rise and they don't attack only businesses. You need personal cyber insurance.

Little-known facts about Homeowners Insurance

There are many things about insuring a home that most consumers aren’t aware of. We are here to make sure you avoid potential 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 one of the perils 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.
IMPORTANT: You can combine your Home and Auto policies (and others) for even more savings.