West Virginia Home Insurance

Ramsey Insurance – You reliable source for West Virginia home insurance plans.

Purchasing homeowners insurance can get confusing, and at Ramsey Insurance we understand this. Although you are not legally required to purchase West Virginia home insurance as you are with West Virginia car insurance, many mortgage companies are requiring it as part of their finance agreements with home owners. If you are faced with the sometimes daunting task of shopping for WV homeowners insurance, don’t fret! Ramsey Insurance is an independent West Virginia insurance agency that can shop multiple carriers to get you the best home insurance policy available to you!

Homeowners coverage doesn’t have to be difficult to understand. Typically, a basic West Virginia home insurance policy will cover the following:

• The structure of your home
• Replacement costs
• Personal possessions (up to a set limit)
• Living expenses in case of a disaster
• Liability

Additional or optional coverage's:

• Coverage for back up of sewers and drains
• Identity fraud (included in some policies)
• Equipment breakdown
• And many others.

You can also add supplemental policies such as:

• Valuable Articles/Floater policies (i.e. Jewelry Insurance)
• Flood policies
• Earthquake policies
• Umbrella policies (additional liability)
• Animal Liability (liability issues due to household pets)

The needs of every home owner are different and your home insurance policy should reflect that. Whether you're in Ashland, Athens, Portsmouth, Huntington or Charleston WV, the agents at Ramsey Insurance will create a WV homeowners insurance policy that will best suit you and your family.

Contact us today for more information on our comprehensive homeowners insurance policy options. Fill out our quick and simple form for a free West Virginia home insurance quote!