Personal Insurance for West Virginia Families

Auto, home, farm, and more — compared across top carriers by a local independent agent who knows what WV families actually need.

Rick Allen Insurance Agency offers personal insurance for families and individuals across Southern West Virginia — including auto, home, farm, ATV, motorcycle, watercraft, mobile home, classic car, umbrella, and more. We serve Beckley, Beaver, Daniels, Lewisburg, Rupert, and surrounding communities from two walk-in offices. Call 304-252-1660 or request a quote online to get started.

One Agent. Multiple Carriers. Coverage Built for Southern WV.

Personal insurance isn't one-size-fits-all — especially in Southern West Virginia, where families might need auto coverage for a daily commute, farm coverage for a working property, and ATV insurance for weekends on the trails. The needs here are specific. Generic coverage from a single carrier often isn't enough.


That's why being independent matters. Rick Allen Insurance Agency represents Nationwide, Progressive, Foremost, and other top national carriers. When you come to us for a quote, we don't hand you one company's best offer. We look across our carrier relationships and find the combination of coverage and price that actually works for your situation.


Rick has been working in this market since 1995. Thirty-one years of knowing what Southern WV families face when something goes wrong — and knowing how to make sure the coverage is there when it needs to be.

Personal Coverage Options We Offer

Select any coverage type below to learn more about what it covers, what it costs, and whether it's right for you.

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Auto Insurance

The most requested coverage we offer. Whether you drive a daily commuter, a pickup, or multiple vehicles, we compare auto insurance rates across Nationwide, Progressive, and other top carriers to find the right fit for Southern WV drivers

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Home Insurance

Your home is likely your biggest asset. We help Beckley-area and Southern WV homeowners get the right homeowners coverage — including dwelling, personal property, liability, and additional living expenses — at a competitive rate from a carrier we trust. 

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Farm Insurance

West Virginia's working farms need more than a standard homeowners policy. Farm insurance combines dwelling coverage, farm structures, equipment, livestock, and liability into one policy designed for agricultural properties across Raleigh, Greenbrier, and surrounding counties.

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ATV / UTV Insurance

Southern WV's trails and terrain make ATVs and UTVs a way of life. A standard homeowners or auto policy typically won't cover off-road vehicles the way they need to be covered. We offer dedicated ATV and UTV insurance that covers liability, collision, and comprehensive damage.

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Mobile Home Insurance

Standard homeowners insurance doesn't apply to manufactured or mobile homes. We write mobile home insurance policies designed specifically for this type of dwelling — covering the structure, personal property, and liability for Southern WV manufactured home owners.

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Motorcycle Insurance

Virginia requires dedicated coverage that standard auto policies don't provide. We offer motorcycle insurance through top carriers with options for liability, collision, comprehensive, and medical payments.

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Watercraft Insurance

West Virginia's lakes and rivers draw boaters throughout the season. Personal watercraft, fishing boats, and pontoons all have specific insurance needs that fall outside a standard home policy. We offer watercraft coverage for Southern WV boat owners. 

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Classic Car Insurance

Standard auto policies pay actual cash value at claim time — which rarely reflects what a collector vehicle is actually worth. Classic car insurance uses agreed value coverage, meaning you and the carrier agree on the insured amount upfront, and that's what you get paid if something happens.

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Umbrella Insurance

An umbrella policy provides liability protection above the limits of your existing home and auto coverage. If you have assets to protect or significant liability exposure, umbrella insurance is one of the most cost-effective ways to add a meaningful layer of protection.

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Rental Property Insurance

If you rent out a home, condo, or other property, your standard homeowners policy doesn't cover it. Landlord insurance protects the structure, covers your liability as a property owner, and can include lost rental income coverage if the property becomes uninhabitable. 

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Vacant Home Insurance

Standard auto policies pay actual cash value at claim time — which rarely reflects what a collector vehicle is actually worth. Classic car insurance uses agreed value coverage, meaning you and the carrier agree on the insured amount upfront, and that's what you get paid if something happens.

Black home icon on a white background

Secondary Home Insurance

A second home or vacation property needs its own coverage — it can't ride on your primary homeowners policy. We help Southern WV families insure seasonal cabins, lake houses, and weekend properties through carriers who understand WV's rural and recreational real estate.

Why WV Families Choose an Independent Agent

When you buy insurance from a captive agent — someone who works exclusively for one company like State Farm or Allstate — you get that company's best offer. That's it.


When you work with Rick Allen Insurance Agency, we compare options across Nationwide, Progressive, Foremost, and other carriers we represent. If one carrier is more competitive for your home and another is better for your auto, we tell you. Our job is to get you covered correctly, not to fill a quota for any single company.


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.

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Bundle Home and Auto — and Save

Most carriers offer meaningful discounts when you insure your home and auto through the same company. As an independent agency, we run the comparison both ways — bundled and separate — and show you which option actually comes out ahead for your specific situation.

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Personal Insurance Questions — Answered

  • What personal insurance do I need in West Virginia?

    Most West Virginia residents need at minimum auto insurance (required by law) and homeowners or renters insurance. Beyond that, the right coverage depends on your situation — farm owners, ATV riders, boat owners, and landlords all have specific needs that standard policies don't cover. Rick Allen Insurance Agency helps Southern WV families identify the gaps and fill them across multiple carriers.

  • Does Rick Allen Insurance Agency serve Beckley, WV?

     Yes. Beckley is one of our primary service markets. Our Beaver office is just minutes from Beckley, and we serve Beckley families and businesses across all personal and commercial lines.

  • Can I bundle home and auto insurance through Rick Allen Insurance?

    Yes, and we'll compare the bundled rate against separate policies to make sure bundling actually saves you money for your specific coverage needs.

  • What is an independent insurance agent?

    An independent agent represents multiple insurance carriers rather than working exclusively for one company. Rick Allen Insurance Agency represents Nationwide, Progressive, Foremost, and others — which means we compare options and find the best fit for your situation rather than selling you a single company's product.

  • Do you need an appointment to visit a Rick Allen Insurance office?

    No appointment needed. Both our Beaver and Roanoke offices are open Monday through Friday during business hours — walk in anytime. 

  • What carriers does Rick Allen Insurance represent for personal insurance?

    We represent Nationwide, Progressive, Foremost, and additional top national carriers. As an independent agency, our carrier relationships allow us to compare options rather than limit you to one company's offerings.

Ready to Review Your Personal Coverage?

Get a free quote from a local Southern WV independent agent — no pressure, no obligation, just an honest look at what you have and what you might need.

Or visit us in Beaver or Rainelle, WV — walk-ins welcome Monday through Friday.

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