Parkersburg Homeowners Insurance

How to find an independent agent

Written by Candace Jenkins
Written by Candace Jenkins

Candace Jenkins is a licensed insurance advisor with over a decade of experience. She is also a writer and loves to write on all things insurance. Candace writes for on a continuous basis and is here with the facts about all your insurance inquiries.

Reviewer: Jeffrey Green Reviewed by Jeffrey Green
Reviewer: Jeffrey Green
Reviewed by Jeffrey Green

Jeff Green has held a variety of sales and management roles at life insurance companies, Wall street firms, and distribution organizations over his 40-year career.  He was previously Finra 7,24,66 registered and held life insurance licenses in multiple states. He is a graduate of Stony Brook University.

Parkersburg West Virginia homeowners insurance

Parkersburg, WV, is known for its famous Blennerhassett Island. This historic town is full of stories and intrigue. With over 30,096 residents, this is a fascinating place to call home.

If you own a property in Parkersburg, you'll need a policy. An independent insurance agent can get the right coverage for an affordable price. Connect with a local adviser to begin your search for a reliable policy. 

How to Cut Costs on Your Parkersburg, WV, Home Policy

The best way to lower your home insurance premium is to speak with an independent agent. They can show you the areas to improve for better pricing. Let's look at the average homeowners premium:

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

An adviser will recommend a few key items that will have the most significant impact on your rates. Check out some they may start with first:

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

Another option an agent may suggest is bundling. When you bundle your home and auto insurance with the same carrier, you'll save big. You can get a 30% or more discount on your costs. Contact a Parkersburg independent agent for more ways to reduce price.

Is Your Parkersburg, WV, Rental Property Insured on the Right Policy?

Contrary to popular belief, you can't insure a rental property under a standard homeowners policy. Since there are other exposures, you'll need landlord insurance. This will protect your interests as the owner and the risk of third-party tenants. 

To get the right coverage for your investment, speak with a professional. An independent agent can quote insurance for your rental home under the right policy. Contact a local adviser to get started.

Will your Parkersburg, WV, Home Have Coverage for a Disaster?

To avoid gaps in coverage when a catastrophe hits, you'll need the help of an agent. They can show you how to cover your asset in a way that doesn't leave room for error. Take a peek at the top exposures in Parkersburg, 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

Flood insurance is another policy you may not know that you needed. Flood damage is excluded under your primary home policy. You'll need to have an independent agent quote flood insurance to be protected appropriately.


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Is Your Home Protected against Burglary in Parkersburg, WV?

A burglary can occur at a moment's notice. To be prepared, you'll need a policy that has coverage for your stolen items. An independent agent can help you get the right insurance in place. In the meantime, check out the burglaries per 100,000 households below:

  • National average: 376.0
  • West Virginia average: 296.5
  • Parkersburg average: 1,355.0

When you live in a city where burglaries are more than triple the averages, you'll want a professional. Your homeowners insurance needs to be sufficient for a loss. Connect with a Parkersburg independent agent today.

Does Your Parkersburg, WV, Home Have Enough Liability Coverage?

Your home's liability insurance is one of the most used coverages on your policy. It will protect the members of your household against a lawsuit arising out of the following:

  • Bodily injury to others
  • Property damage to others

When you're unsure how your policy will respond, check your limits with an expert. Umbrella insurance is another way to add protection. It will provide additional limits of liability when your underlying has been exhausted. Discuss your coverage with a Parkersburg independent agent.

How to Connect with a Parkersburg, WV, Independent Agent

When you partner with an independent insurance agent, you'll get the best of both worlds. In 2016, West Virginia paid out $244,752,000 for property damage claims. To ensure your coverage is accurate, you'll need a knowledgeable adviser. 

An independent agent can find coverage for an affordable price. Since they work with several carriers, you'll have the best options. Connect with one of the local experts on, and start saving.

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