About Rick Allen Insurance Agency
An independent insurance agency in West Virginia — serving families and businesses from Beckley to Lewisburg.
Rick Allen Insurance Agency is an independent insurance agency with two walk-in offices in Southern West Virginia — one in Beaver, WV and one in Rainelle, WV. We've been part of this community, representing top carriers including Nationwide, Progressive, and Foremost to help individuals, families, and businesses find the right coverage. Call 304-252-1660 or stop in anytime Monday through Friday.
We've Been Here a Long Time
Rick Allen Insurance Agency has been serving Southern West Virginia since the 1950s — long before insurance could be quoted online, before call centers replaced local offices, and before "independent agent" needed to be explained.
The agency was built on the same thing it still runs on today: knowing the community, knowing the carriers, and being the kind of business where a client can walk in, sit down, and talk to someone who actually knows their policy.
Southern WV has changed a lot over the past seven decades. The agency has stayed. Two offices — Beaver and Rainelle — covering the stretch of communities from Raleigh County through the Greenbrier Valley. The same independent approach that started the agency is still how we operate today.
Meet Rick Allen
Rick Allen has been in the insurance business since 1995 — 31 years of working with Southern WV families and businesses on coverage that actually fits their lives.
He grew up in this area. He knows what Southern WV winters do to roofs. He knows what it costs to run a small contracting operation in Raleigh County. He knows what a farm family in Greenbrier County needs that a standard homeowners policy doesn't cover. That's not research — it's just paying attention over three decades.
Rick runs an independent agency, which means he works for his clients — not for any single insurance company. When he quotes your coverage, he's comparing options across Nationwide, Progressive, Foremost, and other carriers to find what fits your situation, not steering you toward whoever pays the best commission.
Our goal is to help you identify your insurance needs and build a plan that fits your budget. We offer a wide range of coverage options across multiple top carriers, so the things that matter most in your life are properly protected. With decades of experience serving Southern West Virginia families and businesses, we're here to help you find the right coverage — without the runaround.
Why We're Independent
There are two types of insurance agents in West Virginia: captive agents, who work for one company and can only offer that company's products, and independent agents, who represent multiple carriers and can compare options on your behalf.
Rick Allen Insurance Agency is an independent agency. We represent Nationwide, Progressive, Foremost, and other top-rated carriers — which means when you come to us for a quote, we're shopping the market for you, not defaulting to the one product we're licensed to sell.
It doesn't cost extra to work with an independent agent. It just means you've got someone in your corner who's working for you rather than for a carrier's quota.
The Difference of Working With Us
Finding the right insurance shouldn't be complicated. We take the time to understand your goals, compare coverage options, and provide honest guidance every step of the way. Our focus is on building lasting relationships and helping you make informed decisions with confidence.
Personalized Solutions
Get the power of choice with insurance that's designed for your unique needs.
Knowledgeable Service
We'll be there for you with reliable service and support to help you make informed decisions.
Trusted Relationships
You can rely on us to simplify the insurance process and advise you on your insurance.
What We Cover
We provide personal insurance, business insurance, and life insurance for Southern West Virginia individuals, families, and businesses — through our carrier relationships with Nationwide, Progressive, Foremost, and others.
Personal Insurance
Auto, home, farm, ATV/UTV, motorcycle, watercraft, mobile home, classic car, umbrella, rental property, vacant home, and secondary home.
Business Insurance
General liability, workers comp, BOP, commercial auto, commercial property, cyber liability, E&O, contractors, farm business, landlord, restaurant, and trucking.
Two Offices. Walk-Ins Welcome.
Beaver Office
Address: 834 Ritter Drive, Beaver, WV 25813
Phone: 304-252-1660
Email: info@rickallenagency.com
Hours: Monday–Thursday 9:00AM–5:00PM | Friday 8:30AM–4:30PM
Rainelle Office
Address: 321 Main Street, Rainelle, WV 25962
Phone: 304-252-1660
Email: info@rickallenagency.com
Hours: Monday–Thursday 9:00AM–5:00PM | Friday 8:30AM–4:30PM
What Working With Us Actually Looks Like
We provide personal insurance, business insurance, and life insurance for Southern West Virginia individuals, families, and businesses — through our carrier relationships with Nationwide, Progressive, Foremost, and others.
We're local by habit, not by marketing.
Both offices have been in their communities for years. We're not a regional brand that opened a Southern WV branch — Southern WV is where we started and where we operate. Monday through Friday, no appointment needed.
We pick up the phone.
Call 304-252-1660 during business hours and you'll reach our office — not a national call center, not a voicemail maze. If Rick or a team member is available, they'll take your call directly.
We explain things in plain language.
Insurance has a lot of jargon that obscures what a policy actually covers. We'd rather spend a few extra minutes making sure you understand your coverage than hand you a policy you won't be able to read when you need it.
We compare, we don't just sell.
As an independent agency, we have no obligation to any single carrier. We compare options and tell you honestly what we find — including when a lower-priced option comes with a trade-off worth knowing about.
We show up at claim time.
Getting a policy is the easy part. What matters is what your agent does when you have a loss. We stay involved through the claims process and advocate for our clients when things get complicated. Walk-ins welcome at both offices.
The Carriers We Work With
As an independent agency, we represent multiple top-rated carriers — which means more options for you at quote time and more flexibility when your needs change. Our carrier relationships include:
Common Questions About Rick Allen Insurance Agency
How long has Rick Allen Insurance Agency been in business?
The agency has been serving Southern West Virginia for over 70 years. Rick Allen has personally been in the insurance business since 1995 — 31 years of working with Raleigh and Greenbrier County clients.
Is Rick Allen Insurance Agency an independent agency?
Yes. We're an independent insurance agency, which means we represent multiple carriers — including Nationwide, Progressive, and Foremost — and compare options on your behalf rather than defaulting to one company's products.
Where is Rick Allen Insurance Agency located?
We have two offices in Southern West Virginia. Our primary office is at 834 Ritter Drive, Beaver, WV 25813. Our second office is at 321 Main Street, Rainelle, WV 25962. Both offices are open Monday through Friday and welcome walk-in visits with no appointment needed.
Who owns Rick Allen Insurance Agency?
Rick Allen owns and operates the agency. Rick has been in the insurance business since 1995 and works directly with clients from the Beaver, WV office.
Come In and Meet Us — No Appointment Needed
Two offices in Southern West Virginia. Monday through Friday.
Beaver office: 834 Ritter Drive | Rainelle office: 321 Main Street
