West Virginia Home Insurance – What You Need To Know About Home Insurance

When you think of your home, you think of your family and your place to call your own.  You also think of the time and investment that you’ve made in purchasing your home.  A home purchase is the biggest investment that you typically make in your life, so why would you leave your home unprotected against liability or damages?  Home Insurance is a requirement when you have a mortgage on the property, but once the mortgage is paid off, insuring your home merely becomes an option.  It is a wise option to exercise, and we’ll outline the reasons why below.  Smith Insurance Agency of West Virginia in Kingwood, WV offers home insurance and other services to better serve your insurance needs.

Property Damage

Home Insurance protects the home during catastrophic events such as fires, floods, and storm damage.  Flood Insurance may not be included within your home insurance policy and may be offered as an add-on or rider policy, you should consult with your insurance agent to see which of these apply to you.


Suppose you take the family on a vacation for a couple of weeks and when you come back, you find that your home has been burglarized.  Your home insurance policy will cover everything in the home and either replace the items or pay you for the amount of the item to replace it.  This is good peace of mind to have while you’re out of town with your family.

Personal Liability

Suppose someone slips and falls on your property or gets injured while on your property?  It could be a friend or a neighbor, but personal liability is a serious concern.  Your home insurance policy’s personal liability coverage will protect you in these situations.

To Learn More

These are just a few reasons (of many) that home insurance is a good idea to have for your home.  To learn more about home insurance, please contact Smith Insurance Agency of West Virginia in Kingwood, WV today!