Martinsburg Homeowners Insurance

Your Complete Guide to Martinsburg, WV, Homeowners Insurance

When you need an independent agent

Martinsburg West Virginia homeowners insurance

Martinsburg, WV, is the fastest growing city in the state. This city is located in the heart of the Shenandoah Valley. With over 17,404 residents, you'll be right at home.

When you own a property in Martinsburg, you'll need protection. Fortunately, an independent insurance agent has options. You can connect easily with a local adviser who will help you find your policy. 

How You Can Cut Costs on Your Martinsburg, WV, Home Insurance

An independent agent can help you find the best ways to save on your home insurance. They have various cost-cutting techniques to get your pricing lower. Let's look at the average homeowner's premium:

  • National average: $1,211
  • West Virginia average: $940

Below are a few areas you can start with to reduce rates:

  • Improving your credit score
  • Filing fewer insurance claims
  • Updating your roof, electrical, plumbing, or heating

While carriers use numerous items when determining costs, personal data is a large factor. Another way to save is by bundling your home and auto insurance with the same company. This can discount your policies by 30% or more. Connect with a Martinsburg independent agent to discuss further. 

Will Your Martinsburg, WV, Home Be Protected from a Burglary?

When you're a victim of a burglary, you shouldn't have to worry about coverage. Fortunately, if you have an independent agent, you can get a full policy review. In the meantime, check out the burglaries per 100,000 households below:

  • National average: 376.0
  • West Virginia average: 296.5
  • Martinsburg average: 395.9

Your home is at a higher risk of being broken into in Martinsburg. With the burglary rates being above the state and national averages, you'll need adequate protection for stolen items. Contact a Martinsburg independent agent to discuss your home insurance

Does Your Martinsburg, WV, Airbnb Have the Right Coverage?

If you own a short-term rental property, you may not have the right policy. Many owners assume that a standard home policy will cover their exposure. To have adequate protection, you'll need landlord insurance

A landlord policy will cover revolving third party tenants. It will insure your interests as the owner as well. Contact a Martinsburg independent agent for quotes. 

Your Martinsburg, WV, Home and Liability Coverage

Liability insurance will protect you and your family from a lawsuit. This can be the result of a bodily injury claim or property damage. To review your limits, get with a trusted adviser. 

Another way you can add inexpensive protection is through an umbrella policy. Umbrella insurance will provide another layer of liability coverage when your underlying home policy is exhausted. Contact a Martinsburg independent agent to discuss your limits. 

Is Your Martinsburg, WV, Home Insured for Catastrophe?

Catastrophes happen in every city at any time. To ensure you're home insurance doesn't have any gaps in coverage, consult with a professional. Take a peek at the top exposures in Martinsburg, WV:

  1. Flooding and water damage
  2. Severe storms and lightning damage
  3. Hurricanes and tropical storms
  4. Burglary and other property crimes
  5. Heavy snow

One item your home policy won't insure is flood damage. Most homeowners aren't aware that they need a separate policy until it's too late. Speak with a Martinsburg independent agent on flood insurance today.

How to Connect with an Independent Agent in Martinsburg, WV

In 2016, West Virginia paid out $244,752,000 for property insurance claims. To ensure you won't have to pay out of pocket for a loss, get a professional. An independent insurance agent works on your behalf at no cost to you. 

They will do the shopping, saving you time and money. Since an independent agent has dozens of markets, you'll have options on coverage and price. Go to TrustedChoice.com to connect with a local expert in minutes. 

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TrustedChoice.com Article | Reviewed by Jeffrey Green

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