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West Virginia Home Insurance
In West Virginia when you buy a home and have a mortgage, the lender usually requires that you carry West Virginia home insurance for the duration of the loan. There are a few alternatives for single family homes that are popular in the state. The basic HO-2 policy covers damages caused by fire, smoke, vehicles, aircraft, water overflow from water heaters and air conditioners, theft, vandalism, explosions, and riots. The broad home owners insurance, known as HO-3 policy, covers all these perils and then some, but also adds bodily injury liability to the policy. Bodily injury liability coverage pays for medical bills for any injuries occurring on your property.
West Virginia Home Insurance Rates
West Virginia home insurance rates can be affected by many things. The prevalence of thunderstorms, heavy winds, floods, and hurricane weather all cause damages and increased claims. Homeowners should be aware that their policy does not cover damages caused by floods. If you live near a river, stream, or lake you may want to purchase additional flood insurance for your home. To see a list of what will not be covered by your policy, review the “exclusions” section.
West Virginia home insurance rates averaged lower than the national average in 2003. The average cost of West Virginia home insurance was $534 in 2003, which was up 30.2% from 2001. Home insurance rates can rise due to an increase in claims by any one company.
Many homeowners would like to find ways to reduce their West Virginia home insurance premium. Homeowners can reduce their premium by raising their deductible. Many insurance companies offer discounts when you buy more than one policy through them, including health, home, auto, and others. Savings can also be found by shopping around before settling on one quote for your West Virginia home insurance.
West Virginia Insurance Commissioner
West Virginia Offices of the Insurance Commissioner
ATTN: Consumer Service Division
PO Box 50540
Charleston, West Virginia 25305-0540
1124 Smith Street, Rm 309
Charleston, West Virginia 25301
For other West Virginia Insurance Resources, See:
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