Expertise.com

Best Homeowners Insurance Agencies in Charleston

2023

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Website
1618 Bigley Ave, Charleston, WV 25302
  • Renter's Insurance
  • Multiple Policy Types
  • Personal Property Insurance
  • Flood
  • Earthquake
  • Condos

Why choose this provider?

Swor Insurance Agency offers personal, business, and life insurance options for clients in Charleston and the rest of the region. The agency specializes in providing financial security to residential properties and personal items in the case of unexpected events and predictable risks. Each homeowners' insurance policy is tailored to answer a wide range of risk management challenges, depending on the client's specific situation. The company has been in the industry since 2004.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.5
Google
4.5 / 5 (23)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
4.8
Responsiveness
Friendliness
Helpfulness
Detail

Website
101 Pennsylvania Avenue, Charleston, WV 25302
  • Multiple Policy Types

Why choose this provider?

Melinda Taylor is a State Farm insurance agent that provides financial protection services from her Charleston office. The insurance professional offers various insurance products including homeowners' insurance. She creates home insurance plans for clients that cover property replacement costs. The agent also provides homeowners with insurance policies that protect personal belongings such as clothing, furniture, appliances, and electronics. Taylor has been an insurance agent under State Farm for 30 years.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.9
Google
4.8 / 5 (26)
Facebook
5.0 / 5 (14)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
16 Capital Street, Charleston, WV 25301
  • Multiple Policy Types

Why choose this provider?

Integrity Insurance Group LLC is a locally operated homeowners' insurance agency that serves families and individuals in Charleston and the surrounding areas. Its team of insurance professionals focuses on helping homeowners throughout the process of insuring their most valuable asset. Aside from providing traditional homeowners' insurance, the team also offers specialty dwelling policies to occupants of rental properties or owners of unoccupied homes. Integrity Insurance Group LLC also specializes in auto, health, and life insurance.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Facebook
5.0 / 5 (39)
Google
5.0 / 5 (10)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
1206 Kanawha Boulevard East, Charleston, WV 25301
  • Renter's Insurance
  • Multiple Policy Types

Why choose this provider?

Mountain State Insurance Agency is an independent company that has been providing insurance solutions for businesses and individuals since 1917. The agency services Charleston and its surrounding communities. Its agents offer a homeowners' insurance policy that protects customers financially from unexpected damages and losses. The home insurance plan can help policyholders pay for home repairs, replace personal belongings, and protect themselves from liability lawsuits. The company's team of insurance agents also handles workers' compensation, home business, and umbrella insurance solutions.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.9
Google
4.9 / 5 (30)
Facebook
5.0 / 5 (3)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
3.3
Responsiveness
Friendliness
Helpfulness
Detail
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Website
3512 Staunton Ave SE, Charleston, WV 25304
  • Condos
  • Flood
  • Renter's Insurance

Why choose this provider?

White Insurance & Associates offers insurance and financial services to individuals and businesses in Charleston. Their homeowners' insurance policy can cover personal property destroyed by fire or other disasters as well as liability risks if someone gets injured on a property. It also covers homes and apartments for both owners or renters. White Insurance & Associates also offers auto, life, commercial, and many other insurance services. They have built an online Policy Service Center which allows customers to change policy information, report claims, or make a payment directly to their insurance carrier swiftly and conveniently.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.9
Facebook
5.0 / 5 (32)
Google
4.8 / 5 (19)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
90 Technology Drive, South Charleston, WV 25309
  • Renter's Insurance
  • Multiple Policy Types
  • Multiple Carriers

Why choose this provider?

Harless Insurance Agency is an independent company located near Charleston that offers affordable insurance coverage from a team of dedicated agents with years of experience. It provides homeowners and apartment renters with insurance policies that protect their personal belongings in the event of a fire or other disaster. Its agents can design an insurance policy for rental property owners who require coverage for their buildings and any injuries. Harless Insurance also offers insurance for mortgages, autos, and life.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.9
Facebook
5.0 / 5 (55)
Google
4.6 / 5 (9)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
335 2nd Ave SW Suite 200, South Charleston, WV 25303
  • Condos
  • Renter's Insurance
  • Multiple Policy Types

Why choose this provider?

Asseff Insurance Agency is a local agency that is headquartered in Charleston. It comprises independent insurance agents who guide individuals and businesses in selecting the right policy that matches their financial needs. It provides a well-written homeowners' policy that gives protection to lawsuits from injuries at home and covers damages due to fire and natural disasters. Asseff Insurance Agency also has insurance plans for renters, valuable items, mobile homes, motorcycles, and collector cars.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.9
Google
4.9 / 5 (56)
Facebook
5.0 / 5 (23)
Yelp
5.0 / 5 (1)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
4.8
Responsiveness
Friendliness
Helpfulness
Detail

Frequently Asked Questions

  • Introduction

    Homeowners' insurance is a type of property insurance used by private property owners to protect their home and property from a range of risks and liabilities. It is also called home insurance.

    All homeowners' insurance policies cover the primary home on a property, meaning that most damage from weather, accidents, vandalism, and other events will be at least partially paid for by the insurance company. Many policies also include coverage for other structures, personal property, and some premises liability.

    It is not required by law that a homeowner purchases insurance for their property. However, if you have a mortgage, the lender will usually make purchasing a homeowners' policy a mandatory part of the loan process. Since the mortgage lender is essentially selling you the home, they require you to protect the investment.
  • What is the average cost of homeowners' insurance in Charleston?

    As of 2021, the average cost of homeowners insurance in Charleston is approximately $1,666. When evaluating their insurance needs and budget, homeowners should consult with insurance providers to obtain a precise and tailored estimate. Ensuring adequate property protection remains critical in the city, where homes are reasonably priced at around $122,000 on average.

  • What is the proper procedure for handling the termination of insurance coverage by an insurance company in Charleston?

    When an insurer intends to terminate property insurance coverage, they must provide written notice of the termination, which must be delivered to the named insured or sent via first-class mail to the named insured's last known address in Charleston. This notification must include a clear statement of the termination's effective date, as well as a written explanation outlining the specific grounds for the termination.

  • What are some examples of natural disasters that homeowners insurance in Charleston may not cover?

    Natural disasters such as floods, earthquakes, and mudslides are typically not covered by homeowners insurance in Charleston. These occurrences are typically covered by separate insurance policies. If they live in an area prone to these excluded disasters, homeowners should carefully review their insurance policies to understand any limitations and consider additional coverage options.

  • Are there any specific requirements regarding homeowners' insurance if you have a mortgage on your home in Charleston?

    Yes, if you have a mortgage on your Charleston home, your lender will most likely require replacement cost coverage as a loan requirement. This ensures that your home is adequately insured in the event of damage or loss. Adhering to this requirement not only satisfies the conditions of your lender, but also provides you with comprehensive protection for your investment, securing your home and financial interests.

  • What are some demographic factors that can influence homeowners' insurance premiums in Charleston?

    The average home value, crime rates, average household income, median age range, and education levels are all demographic factors that can affect homeowners insurance premiums in Charleston. Higher home values and crime rates may result in higher premiums, whereas lower-income areas may make more cost-effective insurance choices. Rates can also be influenced by the median age and education level, with older and more educated homeowners often considered lower risk, potentially resulting in lower insurance costs.

  • What determines the price of homeowners insurance premium?

    The premium, or monthly cost, of your homeowners' insurance policy depends on several factors, including the value of your home and amount of coverage you choose. Your credit history and whether the property is in a higher risk area also play a role.