Seguro de viviendas en Virginia Occidental

Protect Your Home and Possessions With WV Homeowners Insurance

Seguro de viviendas en Virginia OccidentalIt doesn’t matter where you live in WV, disaster can strike at any time. Fire, theft or storms can have a huge impact on your West Virginia home. No matter where you live in the Mountain State, whether it’s Charleston, Huntington, Morgantown, Parkersburg or anywhere in between, The AARP® Homeowners Insurance Program from The Hartford1 can help protect your home with West Virginia seguro de viviendas.
We know you have many options with all the insurance companies that can protect your home, but coverages vary by state, and we can make sure you’re getting the best for your home. To learn more, get a cotización de seguro de viviendas  hoy mismo.

Standard West Virginia Home Insurance Coverage

A standard West Virginia homeowners policy includes the following coverages:
Dwelling insurance to help cover your home and the structures directly attached to it. So, if damage from a covered loss occurs to your electrical wiring, walls or floors, this coverage can help pay costs to fix it.
Other structures insurance to help protect structures on your property that aren’t connected to your home. For example, if your fence breaks after a heavy snow storm, this coverage can help pay for repairs.
Personal property insurance to help cover personal possessions in your home if they get damaged or ruined. For example, if a fire damages your furniture or valuable jewelry, this coverage can help pay to replace them.
Loss of use insurance to help pay your living expenses if you’re forced to temporarily leave your home while it’s getting fixed. For example, if a storm knocks a tree onto your roof and you have to stay in a hotel while it’s being repaired, this coverage can help pay for your lodging.
La cobertura por responsabilidad civil to help protect you from claims alleging you’re responsible for someone else’s injury or property damage. For example, if you overthrow a baseball while playing catch and it breaks your neighbor’s window, this coverage can help cover the damages.
Medical payments insurance to help pay medical bills for an injury that occurs at your home. For example, if your child’s friend breaks their leg at your house, this coverage can pay for their medical expenses up to your policy limits.

Additional WV Home Insurance for WV Homeowners

WV Homeowners InsuranceSometimes, the standard homeowners insurance coverages are not enough to fully protect your home. That’s why we offer additional coverages to ensure you have the protection you need, such as:
“New for Old” Protection to help cover your possessions if they get destroyed.‡‡ For instance, if a fire ruins your TV, this coverage can help pay for a new one that is the same quality.
Personal injury liability coverage to help pay expenses resulting from libel or slander claims. For example, if your neighbor sues you for publicly ruining their reputation in town, this coverage can help pay related costs.
Reimbursement for replacing locks if someone steals your keys or you lose them and need to buy replacements. This can help pay up to $500 with a $100 deductible.
Identity fraud expense coverage, which reimburses you for out-of-pocket expenses up to certain limits if you experience identity theft. This helps cover lost income and legal fees.
Disappearing Property Deductible‡‡ to reward you by reducing your deductible every year when you go three consecutive years without an insurance loss. 
Some other coverage options you can add to your policy are:
Equipment breakdown coverage to help pay for repairs or replacement of appliances and electronics when there is an electrical or mechanical breakdown. It also provides coverage if you want to make “green” upgrades. It pays up to 125% of your cost to replace any covered equipment with items that are similar, but more energy efficient or environmentally friendly. Keep in mind that this coverage doesn’t cover normal wear and tear of your items.
Valuable items blanket to provide extra protection for certain valuables. For instance, if you have insured jewelry that gets stolen, this coverage can help cover its replacement costs.

West Virginia Homeowners Insurance & Floods Coverage

It’s a good idea to consider adding flood coverage to your WV home insurance. West Virginia has a history of serious flooding events, like the June 2016 storm that caused severe devastation. Major thunderstorms struck West Virginia and created widespread flooding that damaged thousands of homes, towns and businesses. Road repair costs alone were more than $50 million.3
To protect your home from flooding like this, we offer flood insurance that can help pay for storm related damages to your home. You can easily add this coverage to your West Virginia homeowners insurance policy.

How to Prepare Your Home for a Flood

Preparing for a flood is essential to ensure the safety of your loved ones and home. Make sure your family and your home are prepared by taking the proper precautions, such as:
  • Cataloging your rooms and belongings before a flood strikes
  • Knowing your evacuation routes
  • Understanding your area’s flood risk by visiting FEMA’s flood map
  • Signing up for your community’s warning system
  • Gathering supplies that you may need in case you need to leave immediately
  • Buying the right flood insurance

How Much Is WV Home Insurance?

The national average cost of homeowners insurance can vary by state each year. And the average cost of homeowners insurance in West Virginia continues to steadily increase annually. To give you an idea of what your home insurance cost may be, take a look at average rates from the Insurance Information Institute (III):4
Año West Virginia Avg. Homeowners Insurance Cost National Avg. Homeowners Insurance Cost
2019 $968 $1,272
2018 $970 $1,249
2017 $940 $1,211
While the chart can give you good idea of cost trends in West Virginia, be aware that different factors impact your homeowners insurance rate. The best way to find out how much West Virginia home insurance will cost you is to get a quote. We can provide cost estimates specific to your zip code and unique needs.

West Virginia Homeowners Insurance Discounts

You can get a discount if you combinar el seguro from The Hartford.  You can save up to 12% on auto insurance and up to 20% on home insurance in WV.** Our customers save an average of $813 after bundling their home and auto coverage.**
West Virginians have relied on our quality customer service and knowledge to get their homeowners insurance rates for years. To learn more about our comprehensive coverages, get a home insurance quote from us today.
Última actualización: 3 de abril de 2024
2 Medical payments are calculated on the basis of usual, customary and reasonable charges.
3 National Weather Service, “The Historic and Devastating Floods of June 23rd 2016.”
4 Insurance Information Institute (III), “Facts + Statistics: Homeowners and renters insurance”
** Los montos de ahorro promedio se basan en información comunicada por los clientes que se cambiaron a The Hartford desde otras compañías entre 9/1/22 y 8/31/23. Su ahorro puede variar. El ahorro promedio en el seguro para automóviles es de $577 y el ahorro promedio en el seguro de viviendas es de $236. Las diferencias de tarifas entre los afiliados y los no afiliados de AARP varían según el estado y la antigüedad de los afiliados de AARP. El descuento para auto y vivienda está disponible solo para asegurados que tengan tanto su seguro para auto y vivienda (o condominios y arrendatarios) por medio de los programas de seguros para autos y de viviendas AARP de The Hartford. .The Hartford no suscribe nuevos negocios en todas las áreas, incluidos los estados de CA y FL.
§ La disponibilidad del beneficio RecoverCare y los niveles del beneficio varían según el estado. The Hartford RecoverCare Advantage® es una marca registrada de The Hartford.
§§ Se aplican términos y condiciones.
Se aplican términos y condiciones. La exención por accidente y la desaparición progresiva del deducible no están disponibles para asegurados de California.
‡‡ Se aplican términos y condiciones. La disponibilidad varía según el estado.
‡‡‡ Con base a un auto y conductor; la tarifa/prima/ahorros individuales variarán según las selecciones de cobertura reales y las características de los vehículos/conductores.
Divulgaciones adicionales a continuación.
Los resúmenes de las coberturas y las características de las pólizas son únicamente para fines informativos. En caso de que se produzca una pérdida, los términos y condiciones reales establecidos en su póliza determinarán su cobertura.
AARP y sus afiliadas no son aseguradoras. Endoso pagado. The Hartford paga regalías a AARP por el uso de su propiedad intelectual. Estos cargos se utilizan para los fines generales de AARP. En la mayoría de los estados, es necesario ser miembro de AARP para ser elegible para participar en el Programa.
El programa de seguros para automóviles de AARP de The Hartford está respaldado por Hartford Fire Insurance Company y sus afiliados, One Hartford Plaza, Hartford, CT 06155. Está avalado en AZ, MI y MN por Hartford Insurance Company of the Southeast; en CA por Hartford Underwriters Insurance Company; en WA por Hartford Casualty Insurance Company; en MA por Trumbull Insurance Company; y en PA por Nutmeg Insurance Company y Twin City Fire Insurance Company. El programa de seguros para viviendas de AARP de he Hartford está respaldado por Hartford Fire Insurance Company y sus afiliados, One Hartford Plaza, Hartford, CT 06155. Está subscrito en AZ, MI y MN por Hartford Insurance Company of the Southeast; en CA por Property and Casualty Insurance Company of Hartford; en WA por Trumbull Insurance Company; en MA por Trumbull Insurance Company, Sentinel Insurance Company, Hartford Insurance Company of the Midwest, y Hartford Accident and Indemnity Company; y en PA por Nutmeg Insurance Company. El producto para viviendas no está disponible en todas las áreas, entre las que se incluye el estado de Florida. Los ahorros, los beneficios y las coberturas disponibles pueden variar y es posible que algunos solicitantes no sean elegibles. El programa no está actualmente disponible en Canadá, ni en los territorios o posesiones de Estados Unidos.
1 En Texas, el programa para automóviles está respaldado por Redpoint County Mutual Insurance Company a través de Hartford of the Southeast General Agency, Inc. Hartford Fire Insurance Company y sus afiliados no son responsables financieramente por los productos de seguros suscritos y emitidos por Redpoint County Mutual Insurance Company. El programa para viviendas está respaldado por Hartford Insurance Company of the Southeast.
* Los comentarios de los clientes son recolectados y tabulados por The Hartford y no representan a todos los clientes.