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Best Homeowners Insurance Agencies in Charleston

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Asseff Insurance Agency logo
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Asseff Insurance Agency

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

Business Description

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.
4.8
Google
4.9 / 5 (56)
Facebook
5.0 / 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.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Harless Insurance Agency logo
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Harless Insurance Agency

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

Business Description

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
Integrity Insurance Group LLC logo
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Integrity Insurance Group LLC

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

Business Description

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
Melinda Taylor - State Farm Insurance Agent logo
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Melinda Taylor - State Farm Insurance Agent

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

Business Description

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
Mountain State Insurance Agency logo
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Mountain State Insurance Agency

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

Business Description

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.
4.8
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.
4.0
Responsiveness
Friendliness
Helpfulness
Detail
––
Swor Insurance Agency logo
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Swor Insurance Agency

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

Business Description

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.
4.7
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.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
White Insurance & Associates logo
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White Insurance & Associates

3512 Staunton Ave SE, Charleston, WV 25304
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  • Condos
  • Flood
  • Renter's Insurance

Business Description

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
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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 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.

What is the difference between home warranty and homeowners insurance?

Homeowners' insurance protects your home and property from damage from events that include storms, theft, and fires. A home warranty covers repair costs for parts of your home that eventually breaks down. For example, if a fallen tree damages your roof, it's typically covered by insurance, not the warranty.

Does Geico offer homeowners insurance?

Because auto insurance is Geico's focus and where they invest the most in advertising, many people know the company only as a car insurance provider. On the contrary, Geico does offer a range homeowners' insurance policies that cover dwellings, personal property, and personal liability, among other provisions.

How long does homeowners warranty insurance last?

Home warranties vary based on the provider of the coverage, but most home warranties last for one year. Once they run out, homeowners have the option of renewing the warranty or letting it lapse. If a covered item breaks down after the warranty period is over, repair costs won't be reimbursed.

Does homeowners insurance cover water heaters?

Homeowners' insurance doesn't cover water heaters when they break down from normal wear and tear. An insurance policy may cover water damage to your home and property if it malfunctions, and if the water heater is damaged by a fire or an accident, home insurance may provide the costs to replace it.

Are RVs covered under homeowners insurance?

Usually, an RV is covered under your homeowners' insurance, but that coverage will probably be subject to several exceptions and contingencies. For example, if you want to drive your RV, you'll either need car insurance or specialized RV insurance since the risks you'll face on the road do not fall under a homeowner's policy.

Do new buyers need owner\'s title insurance on a new home?

There are unique risks that a buyer of a new home may face. For example, property claims from previous owners or liens from suppliers whom the homebuilders never paid during construction. Title insurance protects the home from these perils, and your mortgage lender may require it.

Do owner builders need home warranty insurance?

In the United States, owner builders are not required to have home warranty insurance. If you're the one who built your home, you're expected to incur the costs of repairs yourself if a structure or appliance breaks down.

Are dogs deaths covered in homeowners insurance?

Usually, the loss of a dog or other pet is not covered by your home insurance. However, many insurance providers offer riders — packages of added coverage — for pets called pet insurance. This ensures that medical costs and property damage caused by your pets are fully covered.

Are earthquakes covered in standard homeowners insurance policies?

Standard homeowners' insurance policies do not cover damage directly caused by earthquakes. Insurance will sometimes cover indirect damage, however. For example, if an earthquake causes a fire in your home, damage from the fire will be covered under a standard home insurance policy.

Are homeowners insurance and car insurance deductible?

Homeowners' insurance and car insurance premiums are not deductible as personal expenses on your taxes. However, some percentage of your premiums may be deductible as business expenses if you own a business and use your car and home for business purposes. This may vary between states.

Are homeowners insurance payouts taxable income?

If you file a claim after a burglary at your home, for example, the insurance company will assess the value of the property lost or damaged and reimburse that amount. This payout is not taxable because it's not income — it's a replacement of lost value.

How frequent should one change auto or homeowners insurance to another provider?  

If you find home and auto insurance policies that you're happy with, you may never want to switch. However, various providers offer different combinations of coverage and price, so you may want to assess all your options every few years.

What should a homeowners insurance include/cover?

A homeowners' insurance policy should cover the dwelling, personal property inside and some outside, other structures on the property, and liability. For example, it should cover medical bills if a guest sustains an injury. Not all of these coverages are included in every policy.

How much homeowners insurance should someone carry?

How much insurance you need depends on the size of your home, its age, and other unique factors. Standard insurance policies cover around 70% of the total value of your home and additional covered property. Most policies that offer premises liability include $100,000 in liability coverage.

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