Single Property or Multiple Units — We Can Help Either Way
Whether you own one rental home or a small portfolio of properties, the coverage conversation is the same: what's the right structure, what's the right carrier, and what's the right price. We work with landlords across Raleigh, Greenbrier, and surrounding counties and can quote coverage for residential rentals, multi-unit properties, and mixed-use situations.
If you also own the property you live in, we can review your homeowners policy at the same time and make sure there are no gaps between your personal and rental coverage.
Landlords with multiple properties sometimes find that a commercial landlord policy or a blanket policy structure makes more sense than insuring each unit separately. We'll look at what you have, how it's titled, and what your actual exposure is — then give you a straight answer on the best way to structure it.
Landlord insurance — also called rental property insurance — covers what a standard homeowners policy won't. Once you're renting to a tenant, your exposure changes: you need protection for the structure, liability if someone gets hurt on the property, and coverage for lost rental income if a covered loss makes the unit uninhabitable. A homeowners policy doesn't cover any of that once the property is occupied by a renter.
- Dwelling and Structure Protection — Covers the physical building, including walls, roof, foundation, and attached structures, against fire, wind, hail, vandalism, and other covered perils.
- Liability Coverage — If a tenant or visitor is injured on your property and you're found responsible, this covers legal costs and damages up to your policy limit.
- Loss of Rental Income — If a covered loss makes the unit uninhabitable, this replaces the rent you're not collecting while repairs are underway.
- Other Structures — Detached garages, fences, and outbuildings on the rental property can typically be included as well.
What's not covered: your tenant's personal belongings. That's their responsibility — which is why encouraging renters insurance is a smart move for any landlord.
What Landlord Insurance Typically Covers
Why Independent Matters for Landlords
A captive agent sells one company's products. We don't. Because we work with multiple top national carriers, we can shop your rental property coverage the same way you'd want to — comparing options, not defending one carrier's rates. If your situation changes, we can re-shop it. If a carrier raises rates at renewal, we have somewhere else to go.
Rick Allen has been placing coverage in this region since 1995. That's 31 years of knowing which carriers perform when a claim comes in and which ones don't.
That kind of history matters more than it might seem. When a pipe bursts at your rental on a Saturday or a tenant dispute turns into a liability claim, you want someone who already knows the landscape — not someone reading from a script. We've seen how different carriers handle real situations in this region, and we use that knowledge when we're matching you to coverage.
Rick Allen Insurance Agency is an independent insurance agency serving Southern West Virginia from two walk-in offices in
Beaver, WV and
Rainelle, WV. We provide
personal insurance — including auto, home, condo, renters, motorcycle, ATV/UTV, and life coverage — as well as
business insurance and
industry-specific insurance programs for contractors, farms, landlords, restaurants, and trucking operations across
Beckley,
Daniels,
Lewisburg,
Rupert, and the surrounding Raleigh County and Greenbrier County communities. Our
life insurance
options include term life and whole life coverage through multiple top national carriers including Nationwide, Progressive, and Foremost. Call our Beaver office at 304-252-1660
or our Rainelle office at 304-438-6349, or
request a free quote online. Walk-ins welcome Monday through Friday — no appointment needed.
Why Landlords in Southern WV Choose Rick Allen Insurance
Do I need landlord insurance if my tenant has renters insurance?
Yes. Renters insurance covers your tenant's belongings and their personal liability — it does not cover your building, your liability as the property owner, or your lost income. Both policies serve different purposes and neither replaces the other.Yes. Renters insurance covers your tenant's belongings and their personal liability — it does not cover your building, your liability as the property owner, or your lost income. Both policies serve different purposes and neither replaces the other.Can I use my homeowners policy to cover a rental property?
Not once it's occupied by a tenant. A standard homeowners policy is written for owner-occupied dwellings. Renting the property out changes your exposure in ways that policy isn't designed to handle. You need a landlord policy in place before tenants move in.Not once it's occupied by a tenant. A standard homeowners policy is written for owner-occupied dwellings. Renting the property out changes your exposure in ways that policy isn't designed to handle. You need a landlord policy in place before tenants move in.How much does rental property insurance cost in West Virginia?
It varies based on the property's age, construction, location, coverage limits, and the carrier. The best way to get an accurate number is to call us or stop by — we'll compare options across carriers and give you something real to work with.It varies based on the property's age, construction, location, coverage limits, and the carrier. The best way to get an accurate number is to call us or stop by — we'll compare options across carriers and give you something real to work with.What if I have multiple rental properties?
We can quote each property individually or explore whether a portfolio or blanket policy makes more sense for your situation. Bring us the list and we'll take a look.We can quote each property individually or explore whether a portfolio or blanket policy makes more sense for your situation. Bring us the list and we'll take a look.Do you cover rental properties in rural areas or on acreage?
Yes. We work with carriers that handle rural properties, including those with outbuildings, acreage, or farm-adjacent characteristics. If you're not sure whether your property fits a standard landlord policy, call us and we'll sort it out.Yes. We work with carriers that handle rural properties, including those with outbuildings, acreage, or farm-adjacent characteristics. If you're not sure whether your property fits a standard landlord policy, call us and we'll sort it out.
Ready to Get Your Rental Property Covered?
Getting a quote is straightforward. Call either office, stop in during business hours, or use the contact form — and you'll reach a real person who can pull quotes from multiple carriers the same day. We have walk-in offices in Beaver and Rainelle, open Monday through Friday. No automated menus, no callbacks from strangers. Just a straight answer on what your rental property coverage should cost and what it should include.
Beaver office:
834 Ritter Drive, Beaver, WV 25813
Rainelle office:
321 Main Street, Rainelle, WV 25962