Property Insurance
Insurance for Where You Live—or What You Rent
Your property is more than just walls and a roof—it’s where life happens. Whether you’re a homeowner, a renter, or someone investing in rental properties, we’ve got straightforward insurance options that protect what matters. We help folks across Ripley, Charleston, Parkersburg, and the surrounding area find affordable, local coverage without the confusion.
Home Insurance
We work with some of the best home insurance providers to help you find real coverage—not just the cheapest quote. Whether you’re a first-time buyer or looking for home insurance discounts, we’ll get you the protection you need for your home, belongings, and liability. You’ll get help with fire, storm, theft, and more—with options that actually fit your home and your budget.
Condo Insurance
Condo living comes with its own insurance needs. While your HOA might cover the outside, it’s up to you to protect the inside—walls, fixtures, personal property, and liability. We help you find condo insurance rates that balance affordability with peace of mind, and make sure no coverage gaps are left behind.
Mobile Home Insurance
Wondering how much mobile home insurance costs in West Virginia? We’ll show you options that work. From windstorm protection to liability and personal property coverage, we’ll help you protect your mobile or manufactured home with clear, simple plans—no cookie-cutter quotes here.
Renters Insurance
Renters insurance is one of the best values in insurance—especially for college students, young renters, or short-term leases. For just a few bucks a month, it protects your personal property, covers liability, and even helps with temporary housing if you ever need it. Easy, affordable, and smart.
Landlord Insurance
Owning a rental property? Landlord insurance coverage protects your investment from damage, liability claims, and loss of rental income. Whether you own one unit or several, we’ll build a plan that fits your setup and keeps you protected from tenant-related risks.
Rental Home Insurance
Not all rentals are the same. If you own a home you rent out long-term, you’ll need a policy that covers more than just the building. We’ll help you get coverage that includes liability, repairs, and even loss of income, all while protecting your property’s future value.
Short Term Rental Insurance
Running an Airbnb or other short-term rental? You need more than just standard home insurance. We’ll help you find short term rental insurance coverage that works whether you rent part-time, seasonally, or year-round. This protects you from guest damage, liability claims, and even loss of rental income.
How We Help
There’s no one-size-fits-all property policy, and we don’t try to sell you one. We take the time to learn about your home or property, explain your options, and make sure you’re not overpaying—or under-covered. Our goal? Help you protect your place without the usual headaches.
FAQ
How much does homeowners insurance cost in West Virginia?
Rates vary, but we’ll shop multiple home insurance companies to help you find the right mix of price & protection—especially for first-time buyers.
Is renters insurance required by law?
Not by law, but many landlords require it—and it’s a smart idea even when they don’t. It’s cheap, and it covers a lot.
Do I need landlord insurance if I only rent out one room or unit?
Yes. Even small rental setups come with liability and property risks. We’ll help you find an affordable plan that makes sense.
Does home insurance cover Airbnb rentals?
Usually not. That’s why we recommend separate short-term rental coverage tailored to part-time hosting or full-time vacation properties.