• Locations in Lewisburg and Beckley, West Virginia
  • Monday–Friday: 8:30 a.m. – 5:00 p.m.
  • Beckley (304) 255-0005
  • Lewisburg (304) 645-4565
  • Locations in Lewisburg and Beckley, West Virginia
  • Monday–Friday: 8:30 a.m. – 5:00 p.m.
  • Beckley (304) 255-0005
  • Lewisburg (304) 645-4565
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FREQUENTLY ASKED QUESTIONS

ANSWERS TO COMMON QUESTIONS

Looking into insurance can be confusing at times. Find answers to some of the most common questions our customers have.

1. Will my credit score affect my premium?

Having a strong credit score can help save you money! Individuals getting into accidents and cancellation policies due to non-payment can affect your rate. Premiums tend to be higher for lower credit scores, but we always strive to find the most affordable solutions that fit your needs.

2. When I try to rent a car, I’m asked if I would like to purchase rental car insurance. Is this something I need or does my current plan cover the rental?

This all depends on your specific plan. When you have comprehensive coverage and add it to collision coverage, you get to pick from five classes of rental car options. Contact your local West Virginia Insurance Agency representative to ensure you are covered.

3. Is my car covered under my Home Insurance or Auto Insurance plan if my garage burns down and my car goes with it?

Even though it was “in your house” at the time of the incident, your home insurance plan will not cover the loss of your car. You must have a form of comprehensive physical damage coverage and New Car Protection on your auto insurance policy for it to be covered.

4. I inherited jewelry from my late grandparent, if someone breaks into my home and it is stolen, will it be covered?

While our base policy for homeowners offers ample limits for firearms, jewelry, watches and precious stones, you may want to consider adding Personal Valuables Insurance for those treasured keepsakes. While no one can put a price on sentimental value, we have options to help cover your valuables separately or as a whole.

5. What factors should I consider in selecting my Home Insurance plan?

Often times than not, homes are underinsured. During your renewal, ask your West Virginia Insurance Agency representative questions about what is covered under your current policy as well as optional coverages, such as Flood Insurance and Personal Valuables Insurance.

6. What is NOT covered on my Home Insurance plan?

While our base policy offers ample coverage, the needs of every homeowner is unique. In many cases, you need extended coverage options for things like high-end valuables, expensive firearms, sheds, garages, etc. Contact your local West Virginia Insurance Agency representative to ensure you have the coverage you need.

7. Do you offer coverage for my motorcycle?

Absolutely! Not only do we offer coverage for your motorcycle, we also offer coverage for other recreational vehicles including boats! Contact your local West Virginia Insurance Agency representative to learn more.

8. What are the most common coverage options for protecting my small business and employees?

You may need one or more of the following, depending on your business:

  • Business Auto Insurance
  • Business Property Insurance
  • Business Liability & Catastrophe Insurance
  • Crime, Theft & Fraud Insurance
  • Workers’ Compensation
  • Commercial & Contract
  • Bonds
  • Key Person Life Insurance & Businesses Continuation
  • Group Life Insurance

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