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What type of insurance do you need?
Home insurance policies are designed to cover against many of the hazards property owners in West Virginia are likely to face. Whether property loss or damage is due to a severe storm, a house fire, or a rash of burglaries, homeowners can gain the peace of mind that comes from knowing that a suitable homeowners insurance policy in West Virginia can absorb financial losses. These policies provide dwelling insurance, contents insurance, liability, and loss of use insurance.
Accidents can happen in the blink of an eye. If a driver is at fault, they can be held liable for the cost to repair other people’s damaged property as well as for the treatment of their injuries. Given the high cost of healthcare, an accident that involves injuries can be extremely expensive and could cause a great deal of financial harm.
Car insurance in West Virginia includes a mixture of mandatory and optional coverage. If a policyholder is involved in collision, or a non-collision incident such as a hailstorm, their car insurance includes collision and comprehensive insurance, liability, personal injury protection, bodily injury liability insurance, and uninsured motorist coverage.
West Virginia business insurance will pay for damage to a building - this is called commercial property insurance. Business insurance will also pay for damage to business property - this is referred to as business personal property insurance. General liability covers damage to someone else's property as well as any medical bills. West Virginia businesses can also be covered by commercial vehicle and worker's compensation insurance, which protect work vehicles and employees.
A West Virginia workman's comp policy also protects employees when they are out of the office, as long as they are performing work duties. Employees who are traveling for work or working at client sites, or are even at an out-of-state conference, are all covered by this policy.
A typical restaurant insurance policy includes the following: general liability, worker's comp, property insurance, business income, ordinance and law, boiler and machinery, spoilage, and communicable disease coverage.
Depending on the policy chosen and the added optional coverage included, commercial auto insurance in West Virginia can cover the following: bodily injury, personal injury, collision and comprehensive coverage, and medical payments. There may be other options available depending on the type of West Virginia business. Insurance companies offer policies tailored to specific business needs.
West Virginia, like many other states on or near the East Coast, is rich in colonial history. West Virginia is especially famous for its mountains, state parks, and national forests. But the state has its fair share of risks for hotel owners. The top claims are flood damage, business interruption, fire damage, liability claims, and data breaches.
Umbrella insurance works to extend and expand the existing liability coverage from homeowners and auto insurance policies to protect insureds, their homes, and their future earnings and assets if someone sues them. This extra insurance raises coverage limits and covers the types of claims that homeowners liability cannot cover, such as false arrest, certain types of dog bites, libel, and slander.
If a tenant rents a home in West Virginia, it is still important for them to have insurance protection for themselves and their possessions. Similar to home insurance, renters insurance protects them in situations that anyone might face: fire, theft, water damage, and other unforeseen circumstances that the home owner's landlord policy doesn't cover.
Life insurance can help provide for the people who financially depend on someone if they are no longer around. The money can be used for funeral expenses, replacement of lost income, debts, paying a mortgage, education expenses for children, and more.
When a person dies, there is often a big gap between the financial needs of their dependents and the amount available from other sources, such as Social Security benefits, available cash, and savings. Life insurance helps bridge that gap.
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