West Virginia Insurance All Your Needs in One Place

If you own a house in West Virginia, you’ll want to protect it from threats like fire, theft, vandalism, and severe weather. What’s more, you’ll want to protect your assets from the costs of lawsuits if you are sued for something that happens on your property. You can do that with reliable homeowners insurance in West Virginia. 

Most home insurance policies in West Virginia include property coverage, loss of use coverage, and liability coverage:

• Property coverage: Pays to repair, replace, or rebuild your damaged or destroyed home, personal belongings, and certain detached structures like garages or sheds. 
• Loss of use coverage: Pays for certain living expenses (e.g., hotel bills, food, etc.) if you are forced to live somewhere else, like a hotel, while your home is being repaired after it sustains significant property damage. 
• Homeowners liability coverage: Protects you when someone claims you have caused an injury or property damage. It covers the injured party's expenses (e.g., medical bills, property repairs) and your legal fees if you're sued. 

A local independent insurance agent can help you find homeowners insurance in West Virginia. 

If you own a vehicle in West Virginia, you are required to purchase auto insurance. You must have the following coverage at a minimum in order to comply with the law: 

• Bodily injury liability: Required
• Property damage liability: Required
• Uninsured motorist coverage: Required
• Minimum liability limits: 25/50/25; coverage up to $25,000 per person for all persons injured in an accident, subject to a limit of $50,000 per accident; and $25,000 coverage for property damage

Bodily injury liability insurance covers you if you are at fault in an accident and someone other than yourself is injured. Property damage liability insurance covers damage to another person's vehicle or property in an accident that is your fault. Uninsured motorist coverage protects you if you are hit by a hit-and-run driver or by a driver who does not have auto liability coverage. It takes the place of liability insurance that the other driver should have, but does not.

In addition, you can include several other coverage options in your car insurance policy in West Virginia. These include underinsured motorist coverage, medical payments/personal injury protection, collision insurance, comprehensive insurance, gap insurance, towing and roadside assistance, rental car reimbursement, and more. 

Contact an independent auto insurance agent near you for the coverage you need. 

Business insurance in West Virginia will be different for every company. Most businesses will need, at a minimum:

• Business property insurance
• Business interruption (loss of use) insurance
• General liability insurance 

These policies can be purchased individually or as part of a specialized package policy designed for your industry. 

Most businesses will need additional coverage for complete protection. Depending on the size of your business and the type of work that you do, you might need: 

• Workers’ compensation insurance
• Commercial auto insurance
• Commercial umbrella insurance
• Various forms of additional property or liability protection

If you operate a small business, you may qualify for a business owners policy, which combines property coverage, business interruption coverage, and liability coverage into one affordable package policy designed for the needs of smaller operations. 

Whether you purchase your policies individually or as a package designed for your industry, your business insurance will protect you when your property is damaged or if your business is responsible for harming someone or damaging someone else’s property. 

Contact an independent business insurance agent near you for the coverage you need. 

All employers in West Virginia are statutorily required to maintain workers’ compensation insurance coverage. Certain types of employers may be exempt from the requirement, and must submit to the Insurance Commissioner an exemption request.  

Employers that may be exempt from the workers’ compensation insurance requirement in West Virginia include:

• An employer with five or fewer agricultural employees
• An employer of a domestic servant
• An employer who is a church
• An employer of professional sports athletes
• An employer of volunteers for emergency services
• An employer of longshore and harbor worker

Workers’ compensation insurance in West Virginia includes coverage for medical care for a work-related injury, wage replacement, rehabilitation services, and death benefits if a worker is killed as a result of a workplace accident. 

Contact a local independent insurance agent to help you find workers’ compensation insurance in West Virginia.

Restaurant insurance in West Virginia is not a single insurance policy. It is a group of policies that respond to unexpected events that lead to a financial loss for the restaurant owner. 

Most restaurants in West Virginia need a customized package of property, liability, automobile, crime, and other business insurance policies that protect them from a variety of risks. It’s a good idea to work with an independent insurance agent in West Virginia and an insurance company who both specialize in restaurant insurance. 

Any business that owns vehicles needs commercial vehicle insurance in West Virginia to cover the financial losses that can result from a crash. For most small businesses, West Virginia commercial vehicle insurance requirements will be the same as for personal vehicles. That means that your business-owned vehicles must have the following coverage required by law, at a minimum:

• $25,000 bodily injury liability coverage per person
• $50,000 bodily injury liability coverage per accident
• $25,000 property damage liability coverage per accident
• Uninsured motorist coverage ($25,000/$50,000/$25,000)

Certain larger vehicles, vehicles that participate in interstate commerce, and vehicles that carry hazardous substances will have additional federal liability coverage requirements, depending on the type of vehicle and how it’s used.

Additional commercial vehicle insurance coverage options in West Virginia include: 

• Underinsured motorist coverage
• Collision insurance
• Comprehensive insurance
• Towing and roadside assistance coverage

Contact an independent insurance agent in West Virginia to learn more about your commercial vehicle insurance options. 

Both your auto insurance and home insurance in West Virginia provide limited amounts of liability coverage. Liability insurance pays for repairing or replacing damaged property of others. It also pays for medical expenses for injured parties, and it even pays your attorney fees, court costs, and any financial settlements or judgments you have to pay if you are sued. 

The policy limits included with your auto or home insurance policy may not be sufficient to cover a very large financial settlement. 

Umbrella insurance in West Virginia offers excess liability coverage that kicks in when the limits of an underlying policy—including homeowners insurance, renters insurance, condominium insurance, or auto insurance—have been exhausted. 

An umbrella insurance policy in West Virginia typically covers what the underlying policy does. What's more, an umbrella policy may offer expanded coverage, including covering you worldwide. It might also cover a few circumstances that the underlying policy does not, such as claims for libel, slander, and false imprisonment. Talk to an independent insurance agent to help you find a plan that works for you.

Renters occupy around 26 percent of homes in West Virginia. Renters insurance is essential for people who rent their home. 

Renters insurance in West Virginia reimburses you when your personal property is lost, damaged, or destroyed by certain unexpected events, such as fire and theft. It also covers you in some instances if you're sued for negligence. In general, here’s what’s covered by renters insurance in West Virginia:

• Personal property coverage: Covers repair or replacement costs if your personal belongings are lost or damaged due to a covered event such as:
  • Fire 
  • Smoke
  • Lightning
  • Vandalism 
  • Theft (including personal items stolen from your car, but not the vehicle itself)
  • Explosion
  • Windstorm and water damage (not floods) 
• Personal liability coverage: Covers your financial obligations and legal costs if you accidentally cause injuries, property damage, or financial harm to others.
• Loss of use coverage: Pays for your temporary living expenses if a covered event like a tornado causes severe damage to your home, and you must seek alternate accommodations while your landlord makes repairs.

Talk to a local independent insurance agent to find renters insurance in West Virginia.

There are two major types of life insurance policies available in West Virginia: term life insurance and permanent life insurance. Each offers benefits for different periods of time. The proceeds of any life insurance policy can be used to:

• Pay off accumulated debt
• Pay for a dependent's college tuition or mortgage
• Cover your funeral and burial costs
• Donate to your favorite charity fund any other expenses or concerns that are important to you

Term life insurance provides financial protection for a specified period of time, such as 10, 20 or 30 years. If you die while the policy is in force, your beneficiaries receive the death benefit. If you live to the end of the policy term, the policy terminates unless it automatically renews. 

Permanent life insurance provides more than a death benefit. These types of policies offer a long-term savings or investment component (cash value). Whole life, universal life, and variable life insurance are all examples of permanent life insurance.

Contact an independent insurance agent to learn more about life insurance in West Virginia.

Searching for the best and most affordable insurance products can be frustrating and confusing. That’s why it pays to have an experienced insurance professional in your corner.

Instead of getting an online quote, find an independent insurance agent in West Virginia now, and get one-on-one consultation and affordable options for the best coverage for your unique needs. Your agent will work with you free of charge, offering you a variety of options so you can make the best choice.  

What’s more, your agent will be there for you when claim time comes. They know the ins and outs of the process and will make sure your claim is handled appropriately.

Contact an agent today for a free, no-obligation consultation.