Home Insurance Quotes for Beckley, West Virginia and surrounding areas
We represent some of the top homeowners insurance companies in Beckley, WV and all surrounding areas.
We insure all types of properties including:
Protect Your Home and Its Contents
We don’t stop with just providing you with the most competitive rates in the market either. We realize that your home is one of the most valuable items you will insure so we will provide you with a complete assessment of the coverages that we can offer. We will explain what each item covers and give you options for endorsements you may want to add to your policy. Potential endorsements include:
Our trained agents will shop your WV and surrounding areas homeowners policy through our A++ Rated carriers in order to find you the best possible rates and coverages that fit your needs.
Do you have past homeowners claims?
We have carriers that can still offer you coverage at competitive rates even if you have claims history on a prior insurance policy. In the day where so many people are being dropped by their home insurance companies, we have companies that want your business.
Call us today!
Give us a call at (304) 252-6568 and talk to a friendly and knowledgeable agent and find out how you can start saving today. Or visit us at our office located near downtown Beckley WV.
Whether you own or rent, insuring the place you call home can help protect you financially if you suffer a loss due to fire, theft, vandalism, or other covered events. It will also cover you in the event someone is injured while on your property and wins a legal judgment against you.
Homeowner insurance policies differ by which losses are covered, which coverages you choose, and what type of residence you own. You choose which policy is best for you, whether it’s a comprehensive policy that cover losses such as fire, hail, smoke, falling objects, vandalism and theft of personal property, or whether it’s a policy that covers only specified losses.
Whether you’re a home or condo owner, a renter, or a landlord, we will work with you to find a Beckley home insurance policy that fits your needs. We specialize in making it easy to choose the insurance coverage that gives you the best value for the best price.
Your home insurance policy is most often made up of the specific options you choose. How much you'll pay for your policy depends on:
Worried you aren’t completely covered? Consider an umbrella insurance policy that extends your coverage.
The amount you pay for your home owners insurance depends on many factors. Think of your personal housing situation, and the assets you want to protect.
Property or Dwelling Coverage typically pays to repair or rebuild your home if it’s damaged or destroyed by an insured event like a kitchen fire or windstorm.
Personal Liability Coverage applies if someone is injured or their property is damaged and you are to blame. The coverage generally applies anywhere in the world. When choosing your liability coverage limits, consider things like how much money you make and the assets you own. Your personal liability coverage should be high enough to protect your assets if you are sued.
This covers medical expenses for guests if they are injured on your property, and in certain cases covers people who are injured off of your property. It does not cover health care costs for you or other members of your household.
If you can’t live in your home because of a covered loss, your home insurance policy will pay additional living expenses (commonly for up to 24 months) while damage is assessed and your home is repaired or rebuilt.
Your home is filled with furniture, clothes, electronics and other items that mean a lot to you. Personal Property Insurance helps replace these items if they are lost, stolen or destroyed as a result of a covered loss.
If you have special possessions such as jewelry, art, antiques or collectibles you may want to talk to your agent about this additional coverage. It provides broader coverage for specific items.
Landlords may have the option to buy optional liability coverage for the risks posed by tenant-occupied dwellings.
Make an inventory of your home and personal belongings. If possible, make a list as well as take photos or video – using two inventory methods can help expedite the claim resolution process. Keep this list somewhere other than your home. Keep in mind that your policy doesn’t cover damages caused by poor or deferred maintenance on your part.
Every home is unique. Talk to us today to find out how to get the best price and value on Beckley home insurance for you.