Multiple Carriers, One Conversation
Because we're an independent agency, we work with Nationwide, Progressive, Foremost, and other top national carriers — not just one. That means we can compare options side by side and put you in the policy that makes sense for your home, your situation, and your budget.
You get the same big-brand coverage you'd find anywhere, with a local agent who knows the area and answers the phone when you call.
A standard homeowners policy does more than cover the structure. It protects the home itself, your personal belongings inside it, and your liability if someone gets hurt on your property. Most policies also include additional living expenses if you're displaced after a covered loss.
Where policies differ is in the details — replacement cost versus actual cash value, coverage limits, deductibles, and what's excluded. That's where having an independent agent in your corner makes a real difference. We read the fine print so you don't have to.
We shop multiple top carriers to find coverage that fits your home — and your budget — without cutting corners on what matters.
What Home Insurance Actually Covers
Coverage for Every Kind of Home
Standard homeowners coverage is what most people think of first, but we write policies for a wide range of property types:
- Primary residences
- Secondary homes and vacation properties
- Rental properties and landlord coverage
- Mobile homes
- Vacant homes
- Farm dwellings
If you own a property that doesn't fit the standard mold, we likely have a carrier and program for it. Give us a call and we'll tell you straight what's available.
What Does Home Insurance Cost in West Virginia?
There's no single answer — premiums depend on the age and construction of your home, its location, your coverage limits, your deductible, and your claims history. What we can tell you is that shopping multiple carriers almost always produces a better result than going direct to one company.
We do that legwork for you at no charge. One conversation, multiple quotes, honest advice on what each one actually covers.
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.
Frequently Asked Questions About Home Insurance
Do I need homeowners insurance if my mortgage is paid off?
You're not legally required to carry it once the mortgage is gone, but it's rarely a good idea to go without. Your home is likely your largest asset. A fire, storm, or liability claim without coverage could mean absorbing a major loss out of pocket.You're not legally required to carry it once the mortgage is gone, but it's rarely a good idea to go without. Your home is likely your largest asset. A fire, storm, or liability claim without coverage could mean absorbing a major loss out of pocket.What's the difference between replacement cost and actual cash value?
Replacement cost pays to rebuild or repair your home using current materials and labor costs. Actual cash value factors in depreciation, so the payout is lower. Replacement cost coverage typically costs more, but it's usually the better choice for most homeowners.Replacement cost pays to rebuild or repair your home using current materials and labor costs. Actual cash value factors in depreciation, so the payout is lower. Replacement cost coverage typically costs more, but it's usually the better choice for most homeowners.Does home insurance cover flooding?
Standard homeowners policies do not cover flood damage. Flood coverage is a separate policy, typically through the National Flood Insurance Program. If your property is in a flood-prone area, it's worth a conversation — we can help you figure out whether you need it and what options are available.Standard homeowners policies do not cover flood damage. Flood coverage is a separate policy, typically through the National Flood Insurance Program. If your property is in a flood-prone area, it's worth a conversation — we can help you figure out whether you need it and what options are available.Can I bundle home and auto insurance?
Yes, and it often reduces your premium on both. We write both home and auto coverage and can quote them together to see whether bundling makes financial sense for your situation.Yes, and it often reduces your premium on both. We write both home and auto coverage and can quote them together to see whether bundling makes financial sense for your situation.How do I know if I have enough coverage?
We do annual policy reviews with every client — not just when you first sign up. If your home has appreciated, you've done renovations, or your situation has changed, your coverage limits may need to catch up. It's one of the things we stay on top of so you don't have to.We do annual policy reviews with every client — not just when you first sign up. If your home has appreciated, you've done renovations, or your situation has changed, your coverage limits may need to catch up. It's one of the things we stay on top of so you don't have to.
Two Offices, Real People, No Runaround
We have walk-in offices in Beaver and Rainelle, open Monday through Friday. Call, stop in, or reach out online — you'll get a real person, not a phone tree.
We've been writing home insurance in this region for more than 70 years. If you have questions, we have answers.