Home Insurance Saint Albans West Virginia

Homeowners insurance provides financial protection for one your biggest and most valuable asset against certain unexpected losses and disasters.

A standard policy insures the home itself and the things you keep in it. Homeowners insurance is a package policy. This means that it covers both damage to your property and your liability or legal responsibility for any injuries and property damage you or members of your family cause to other people. This includes damage caused by household pets. Damage caused by most disasters is covered but there are exceptions. The most significant are damages caused by floods, earthquakes and poor maintenance. You must buy two separate policies for flood and earthquake coverage. Maintenance-related problems are the homeowners' responsibility.

Why would you need homeowners insurance?

It is important to know that a homeowners insurance policy is meant to cover unexpected damage, not routine maintenance. Ask our agents to talk about what is covered, and be sure to read your policy so you know exactly what's included and what is not.

Things to consider:

For more information on West Virginia homeowners insurance, contact Affordable Insurance Solutions today! We offer some of the best home insurance policies available in the market. We offer you numerous options for creating customized and comprehensive homeowners insurance policies. Filling out our free quote form can also help us better understand your insurance needs. A home is important to any family, do not leave yours to chance.

Homeowner Coverage Descriptions.

Dwelling Coverage- Main residence

Who is covered?

In general, the policyholder and the policyholder’s relatives who live at the insured residence.

What is covered?

Residence coverage protects your dwelling and all attached structures, such as garages, porches, decks and outdoor fixtures. Your insurer will pay to repair your home (or replace it, if necessary) in the event of a covered loss (subject to the provisions in your policy). Depending on the type of policy you have, your home can be protected from perils including:

• fire
• vandalism
• windstorm or hail
• frozen plumbing
• lightning
• falling objects
• smoke damage
• weight of ice, sleet or snow
• theft
• structural collapse
• explosion
• glass breakage
• riot
• falling aircraft
• damage done by other vehicles
• accidental discharge or overflow of water
• damage to appliances caused by electrical currents
• water damage
• sudden or accidental burning, bulging or cracking of a heat system, water heater or air conditioning system.

Losses caused by floods or tidal waves, back-up through sewers and drains, water below the surface of the ground, and seepage or leakage may be excluded.

Related Structures Coverage

In general, the policyholder and the policyholder’s relatives who live at the insured residence.

What is covered?

Unattached structures like garages and fences also receive coverage under this separate part of your policy.

Personal Property Coverage - provides coverage for your belongings.

Who is covered?

In general, the policyholder and the policyholders relatives who live at the insured residence. This coverage can also apply to guests in your home.

What is covered?

This coverage protects your personal belongings anywhere in the world (subject to the provisions in your policy), including:

Keep in mind there are coverage limits for some types of property.

Replacement Cost on Contents Coverage

Who is covered?

In general, the policyholder and the policyholder’s relatives who live at the insured residence. What is covered?

This optional coverage provides reimbursement so you can replace your personal property instead of just receiving its actual cash value at the time of the loss.

Scheduled Personal Property

Who is covered?

In general, the policyholder and the policyholder’s relatives who live at the insured residence.

What is covered?

You can specifically designate high-value items such as jewelry, silverware and antiques for coverage — and there is no deductible if these items are lost or stolen. It’s called “scheduling” personal property, and it’s particularly important because some types of property (like jewelry) have a set limit for coverage under a basic home insurance policy.

Personal Liability Coverage

Who is covered?

In general, the policyholder and the policyholder’s relatives who live at the insured residence.

What is covered?

This coverage protects you against covered losses caused to others while on your property and elsewhere. It also safeguards you against accidental damage to someone else’s property.

Medical Payments Coverage

Who is covered?

Visitors to your property who are not residents.

What is covered?

This coverage pays for necessary medical expenses (subject to policy limits) for non-residents injured on your property. Additional living expenses

Additional living expenses

In general, the policyholder and the policyholder’s relatives who live at the insured residence.

If your residence becomes uninhabitable as a result of a covered loss, we will pay the necessary and reasonable increase in living costs you incur to maintain the normal standard of living of your household.

What isn’t covered under your policy?

Though the following perils are not generally covered in a basic home insurance policy, you may purchase additional coverage packages, called endorsements, which will provide protection for most of the following situations:

• flood*
• earthquake
• mine subsidence
• landslides
• tidal waves
• sewer and water back-up
• seepage
• war and nuclear radiation
• home daycare-related activity
• secondary dwellings on your property
• home-based businesses

Flood insurance, while available for purchase through Affordable Insurance Solutions, is sold as a separate policy.

For more information on Home Insurance contact, Affordable Insurance Solutions at 888-399-6048 or fill out our online form above for your FREE Home Insurance Quote today.

A West Virginia Insurance Agency offering Home Insurance policies in Saint Albans,
Charleston, South Charleston, and Huntington West Virginia.