Beckley, WV, is a place full of adventure and deep-rooted coal mining history. This mountainous town is home to parks and recreation. With over 16,404 residents, it has small-city charm.
When you own a property here, you'll need the right coverage. Fortunately, an independent insurance agent can help with policy and pricing. Connect with a local adviser to get started today.
How to Improve Your Beckley, WV, Home Insurance Premium
Your home insurance premiums can be improved by changing a few things you have control over. While the carriers set the rates, they use your personal data. Let's look at the average homeowner's premiums:
- National average: $1,211
- West Virginia average: $940
Check out some areas you can improve for better pricing:
- Improving your credit score
- Filing fewer insurance claims
- Updating your roof, electrical, plumbing, or heating
Another way to save is by bundling your home and auto insurance with the same carrier. This will cut your costs by 30% or more. Contact a Beckley independent agent for more ways to lower premiums.
Is Your Beckley Airbnb Rental Property Covered?
If you own and operate an Airbnb, a standard homeowners policy won't have the right coverage. To be adequately covered, you'll need insurance that protects your interests and revolving third party tenants.
Landlord insurance will help you insure your asset. It will have coverage that will pay the mortgage when a claim wipes out your property and more. Talk with a Beckley independent agent to discuss.
Beckley, WV, Catastrophes and Your Home Insurance
Catastrophes happen in every city. Beckley is no different. Your home policy should have coverage for the most common occurrences in town. A local agent can help you find a policy that protects your largest asset. Take a peek at the top exposures in West Virginia:
- Flooding and water damage
- Severe storms and lightning damage
- Hurricanes and tropical storms
- Burglary and other property crimes
- Heavy snow
One thing you'll need a separate policy for is flood damage. Your primary home insurance excludes coverage for flooding. Contact a Beckley independent agent to get quotes today.
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How Liability Insurance Can Protect Your Finances in Beckley, WV
Your home's liability insurance will help protect you from a lawsuit. When your finances are at risk because a household member is being sued for bodily injury or property damage, you'll need coverage. An independent agent can help find a policy that suits your needs.
Another form of liability protection is umbrella insurance. An umbrella policy will add extra liability coverage when your underlying limits have been exhausted. Connect with a Beckley independent agent for review.
Is Your Beckley, WV, Home Protected from a Break-In?
Burglary and other property crimes are common no matter where you live. When you're a victim of a break-in, you'll want to know that you have coverage. Check out the burglaries per 100,000 households below:
- National average: 376.0
- West Virginia average: 296.5
- Beckley average: 837.7
Your homeowners insurance will need to be accurate before a claim happens. Beckley is almost double the state and national averages when it comes to burglary. Discuss your coverage with an independent agent.
Why Your Home Needs an Independent Agent in Beckley, WV
In 2016, West Virginia paid out $244,752,000 in-home damage claims. To have adequate protection from a loss, you'll need a professional. An independent insurance agent can help you find coverage for an affordable price.
They work with several carriers, giving you options. The best way to connect with one of the local experts is to go to TrustedChoice.com. They have a network of independent agents you can match with today.
TrustedChoice.com Article | Reviewed by Jeffrey Green
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