Protect Your Home and Possessions With WV Homeowners Insurance
It doesn’t matter where you live in WV, disaster can strike at any time. Fire, theft or storms can have a huge impact on your West Virginia home. No matter where you live in the Mountain State, whether it’s Charleston, Huntington, Morgantown, Parkersburg or anywhere in between, The AARP
® Homeowners Insurance Program from The Hartford
1 can help protect your home with West Virginia
homeowners insurance.
We know you have many options with all the insurance companies that can protect your home, but coverages vary by state, and we can make sure you’re getting the best for your home. To learn more, get a
homeowners insurance quote today.
Standard West Virginia Home Insurance Coverage
A standard West Virginia homeowners policy includes the following coverages:
Dwelling insurance to help cover your home and the structures directly attached to it. So, if damage from a covered loss occurs to your electrical wiring, walls or floors, this coverage can help pay costs to fix it.
Other structures insurance to help protect structures on your property that aren’t connected to your home. For example, if your fence breaks after a heavy snow storm, this coverage can help pay for repairs.
Personal property insurance to help cover personal possessions in your home if they get damaged or ruined. For example, if a fire damages your furniture or valuable jewelry, this coverage can help pay to replace them.
Loss of use insurance to help pay your living expenses if you’re forced to temporarily leave your home while it’s getting fixed. For example, if a storm knocks a tree onto your roof and you have to stay in a hotel while it’s being repaired, this coverage can help pay for your lodging.
Personal liability coverage to help protect you from claims alleging you’re responsible for someone else’s injury or property damage. For example, if you overthrow a baseball while playing catch and it breaks your neighbor’s window, this coverage can help cover the damages.
Medical payments insurance to help pay medical bills for an injury that occurs at your home. For example, if your child’s friend breaks their leg at your house, this coverage can pay for their medical expenses up to your policy limits.
Additional WV Home Insurance for WV Homeowners
Sometimes, the standard homeowners insurance coverages are not enough to fully protect your home. That’s why we offer additional coverages to ensure you have the protection you need, such as:
“New for Old” Protection to help cover your possessions if they get destroyed.‡‡ For instance, if a fire ruins your TV, this coverage can help pay for a new one that is the same quality.
Personal injury liability coverage to help pay expenses resulting from libel or slander claims. For example, if your neighbor sues you for publicly ruining their reputation in town, this coverage can help pay related costs.
Reimbursement for replacing locks if someone steals your keys or you lose them and need to buy replacements. This can help pay up to $500 with a $100 deductible.
Identity fraud expense coverage, which reimburses you for out-of-pocket expenses up to certain limits if you experience identity theft. This helps cover lost income and legal fees.
Disappearing Property Deductible‡‡ to reward you by reducing your deductible every year when you go three consecutive years without an insurance loss.
Some other coverage options you can add to your policy are:
Equipment breakdown coverage to help pay for repairs or replacement of appliances and electronics when there is an electrical or mechanical breakdown. It also provides coverage if you want to make “green” upgrades. It pays up to 125% of your cost to replace any covered equipment with items that are similar, but more energy efficient or environmentally friendly. Keep in mind that this coverage doesn’t cover normal wear and tear of your items.
Valuable items blanket to provide extra protection for certain valuables. For instance, if you have insured jewelry that gets stolen, this coverage can help cover its replacement costs.
West Virginia Homeowners Insurance & Floods Coverage
It’s a good idea to consider adding flood coverage to your WV home insurance. West Virginia has a history of serious flooding events, like the June 2016 storm that caused severe devastation. Major thunderstorms struck West Virginia and created widespread flooding that damaged thousands of homes, towns and businesses. Road repair costs alone were more than $50 million.3
To protect your home from flooding like this, we offer flood insurance that can help pay for storm related damages to your home. You can easily add this coverage to your West Virginia homeowners insurance policy.
How to Prepare Your Home for a Flood
Preparing for a flood is essential to ensure the safety of your loved ones and home. Make sure your family and your home are prepared by taking the proper precautions, such as:
- Cataloging your rooms and belongings before a flood strikes
- Knowing your evacuation routes
- Understanding your area’s flood risk by visiting FEMA’s flood map
- Signing up for your community’s warning system
- Gathering supplies that you may need in case you need to leave immediately
- Buying the right flood insurance
How Much Is WV Home Insurance?
The national average cost of homeowners insurance can vary by state each year. And the average cost of homeowners insurance in West Virginia continues to steadily increase annually. To give you an idea of what your home insurance cost may be, take a look at average rates from the Insurance Information Institute (III):4