We Shop Carriers So You're Not Guessing
As an independent agency, we represent Nationwide, Progressive, Foremost, and other top national carriers — which means we compare options across companies and match you to coverage that fits your unit, your budget, and your HOA's existing policy.
We've been doing this in West Virginia since 1995. We know the questions to ask and the gaps that tend to catch people off guard.
Your HOA policy covers the building. What's inside your unit — your belongings, your walls, your liability — that's on you. Condo insurance fills that gap, and we'll help you understand exactly where your coverage starts and stops.
Most condo owners are surprised to learn how little the master HOA policy protects them. It typically covers the exterior structure and common areas, but your personal property, interior fixtures, and personal liability are your responsibility.
A standard condo policy covers:
- Personal property — furniture, electronics, clothing, and other belongings
- Interior improvements — flooring, cabinets, fixtures you've added or upgraded
- Personal liability — if someone is injured inside your unit
- Loss of use — temporary living costs if your unit becomes uninhabitable after a covered loss
- Assessment coverage — your share of a covered loss to common areas when the HOA passes costs to owners
What Condo Insurance Actually Covers
How to Get Coverage
Step 1: Call or Stop In
Reach us at either our Beaver or Rainelle office, Monday through Friday. You'll talk to a real person — no automated menus, no call centers.
Step 2: Review Your HOA Policy Together
We'll look at what your master policy covers so we can identify exactly where your personal condo coverage needs to begin.
Step 3: Compare Options and Choose
We pull quotes from multiple carriers and walk you through the differences. You pick what makes sense. We handle the rest.
Bundle Your Condo Policy and Save
If you have auto, umbrella, or other personal lines coverage, bundling your condo policy with the same carrier can lower your overall premium. We'll check whether a multi-policy discount applies and factor that into the quotes we pull — so you're not leaving money on the table by keeping everything separate.
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.
Common Questions About Condo Insurance in West Virginia
Do I need condo insurance if my HOA already has a policy?
Yes. The HOA master policy covers the shared structure and common areas — not your personal belongings, your interior, or your liability. Without your own policy, you're responsible for those costs out of pocket if something goes wrong.Yes. The HOA master policy covers the shared structure and common areas — not your personal belongings, your interior, or your liability. Without your own policy, you're responsible for those costs out of pocket if something goes wrong.What's the difference between "walls-in" and "bare walls" HOA coverage?
A bare walls policy covers only the structure itself — drywall, framing, roof. A walls-in policy extends to fixtures and finishes inside your unit. Knowing which type your HOA carries determines how much your personal policy needs to cover. We'll help you sort that out.A bare walls policy covers only the structure itself — drywall, framing, roof. A walls-in policy extends to fixtures and finishes inside your unit. Knowing which type your HOA carries determines how much your personal policy needs to cover. We'll help you sort that out.Does condo insurance cover water damage from a neighbor's unit?
It depends on the cause and your policy terms. Damage from a neighbor's burst pipe or overflow may be covered under your policy, or it may involve a claim against their liability coverage. This is one of the more common condo insurance questions we walk clients through — the answer is rarely simple, but we'll give you a straight one.It depends on the cause and your policy terms. Damage from a neighbor's burst pipe or overflow may be covered under your policy, or it may involve a claim against their liability coverage. This is one of the more common condo insurance questions we walk clients through — the answer is rarely simple, but we'll give you a straight one.How much does condo insurance cost in West Virginia?
Condo insurance is generally one of the more affordable personal lines policies. The exact cost depends on your unit's value, location, the amount of personal property you're covering, and the liability limits you choose. The best way to get an accurate number is to call us — we'll run the comparison and give you real figures.Condo insurance is generally one of the more affordable personal lines policies. The exact cost depends on your unit's value, location, the amount of personal property you're covering, and the liability limits you choose. The best way to get an accurate number is to call us — we'll run the comparison and give you real figures.
Two Offices. Real People. No Runaround.
We have walk-in offices in Beaver and Rainelle, open Monday through Friday. If you'd rather call, someone picks up. Rick Allen has been working with West Virginia clients since 1995 — and this agency has been part of this region for more than 70 years.
If you have a condo and want to know where you actually stand on coverage, we're a good place to start.