Morgantown Homeowners Insurance

Your Complete Guide to Morgantown, WV, Homeowners Insurance

How to connect with a local agent

Morgantown West Virginia homeowners insurance

Morgantown, WV, is known for its collegiate affairs. Home to West Virginia University, this city is academically oriented. With over 30,547 residents, that makes it an active place to live.

If you own a property in Morgantown, you'll need adequate protection. An independent insurance agent can help you find coverage for a low price. You can connect with a local expert in minutes to begin your search for an ideal policy. 

How to Save Money on Your Morgantown, WV, Home Insurance

Carriers look at a variety of factors when determining your rates. Some you have control over, while others you do not. An independent agent can help you improve areas to get a better price. Let's look at the average homeowner's premium:

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

Check out some items that an adviser may recommend you start with first:

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

A professional will likely try to put your coverage with the same carrier. This is called bundling, and when you bundle your home and auto insurance, you'll save big. Companies will discount your premiums 30% or more. Contact a Morgantown independent agent to discuss. 

Are Your Liability Limits Enough in Morgantown, WV?

Your home's liability coverage is one of the most used in your policy. It can cover a multitude of claims. Liability insurance will protect the household members against a lawsuit arising out of the following:

  • Bodily injury to others
  • Property damage to others

Another form of protection is umbrella insurance. An umbrella policy will apply when a liability claim exhausts your underlying home policy limits. Contact a Morgantown independent agent for options.

Natural Disasters in Morgantown, WV — Is Your Home Insured?

In 2016, West Virginia paid out $244,752,000 for property damage claims. Coverage for Morgantown's most common catastrophes should be on your home policy. If you're trying to DIY your insurance, you could be missing critical coverage. Take a peek at the top exposures in Morgantown, 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

To have your property correctly insured, talk with a professional. In addition to your home insurance, you'll need a separate flood policy. This will cover any flood damage which is not included in your primary insurance. Connect with a Morgantown independent agent for quotes.

Is Your Airbnb Covered under the Right Policy in Morgantown, WV?

If you own an Airbnb rental property, your investment could be lacking coverage. A standard home policy won't cover the exposure that a rental property brings. You'll need to obtain landlord insurance

There are a select few carriers who write landlord insurance that will allow short-term rentals. To know which companies are the best partner with an adviser. An independent agent can help you find an adequate policy. 

Is Your Morgantown, WV, Home Protected from Burglary?

To be prepared for a break-in, you need the right coverage on your homeowners insurance. Coverage for stolen property and medical expenses is necessary. An independent agent can review your policy limits to make sure you're covered. In the meantime, check out the burglaries per 100,000 households below:

  • National average: 376.0
  • West Virginia average: 296.5
  • Morgantown average: 275.5

The last thing you'll want to do when you're a victim of a burglary is worry about coverage. To get the right policy the first time, connect with a professional. An independent agent can make sure your limits are adequate.

How to Connect with an Independent Insurance Agent in Morgantown, WV

When you partner with an independent insurance agent in Morgantown, you'll get great coverage for an affordable price. Since they have access to several carriers, so will you. An agent does the shopping for you at no cost. 

If you thought it couldn't get any better, you can connect to an independent agent within minutes. TrustedChoice.com has a local network of experts ready to help. You can use the find-an-agent tool to get started today.

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TrustedChoice.com Article | Reviewed by Jeffrey Green

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