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Ben & Suzette Ashley

At Ashley Insurance, we're always ready to help you--regardless of whether or not you're a client of ours. Below are some questions that our team receives on a regular basis. Hopefully this helps, but if you need more information, you're always welcome to call us at 304-927-2175 or email us at


1. What types of insurance products does Ashley Insurance offer?
At Ashley Insurance, we offer a wide range of insurance products to meet your needs, including personal insurance and commercial insurance coverage throughout West Virginia. We've got a comprehensive list of 
insurance options including: 

  • Auto Insurance

  • Homeowners Insurance

  • Renters Insurance

  • Life Insurance

  • Farm Insurance

  • Flood Insurance

  • Pet Health Insurance

  • Commercial General Liability

  • Business Property

  • Workers Compensation

  • Commercial Auto 

  • Cyber Liability

  • Employer Health Insurance

  • Surety Bonds

2. How can I request a quote for insurance coverage with Ashley Insurance?
Requesting a quote is simple! For personal insurance, can fill out our
online quote form here. For commercial insurance quotes, you can get started here. Or if you prefer, you can give us a call at 304-927-2175 to speak with one of our experienced agents who will assist you in finding the best coverage options for your specific needs.

3. What factors affect the cost of my insurance premium(s)?
Several factors can influence the cost of your insurance premium, each playing a crucial role in determining your rates. These factors include:

  • Coverage Limits: Coverage limits directly impact insurance rates as they determine the maximum amount an insurer will pay for a claim. While higher coverage limits may initially result in higher premiums, they often are only minimally more expensive while providing significantly more protection against potential risks and financial losses.

  • Deductibles: Or, your agreed upon out-of-pocket claim share. Opting for a higher deductible can lower your premium, as you'll be responsible for a larger portion of the claim payment before your insurance coverage kicks in.

  • Location: Where you live can impact your insurance rates, as areas with higher crime rates or natural disaster risks may result in higher premiums. Unfortunately in West Virginia, we're more likely to hit a deer with our vehicle than in any other state.

  • Type of Coverage: Different types of insurance coverage (such as home, auto, or life insurance) come with varying risk factors and costs, which can affect your overall premium. Comprehensive coverage, while often more expensive, offers far more protection than liability-only coverage. 

  • Driving Record: For auto insurance, your driving history plays a significant role in determining your premium. A clean driving record with no accidents or violations typically results in lower rates.

  • Age and Gender: Younger drivers and male drivers statistically pose higher risks, leading to higher premiums. Additionally, older individuals may experience higher life insurance premiums due to increased health risks.

  • Credit Score: In some states, your credit score can impact your insurance premium. Individuals with higher credit scores may qualify for lower rates.

  • Vehicle or Property Type: The type of vehicle you drive or the property you own can affect your insurance premium. Factors such as the vehicle's make and model, safety features, and the property's construction materials and condition can influence rates.

  • Claims History: Your history of previous insurance claims can impact your premium. Individuals with a history of frequent claims may face higher rates.

  • Discounts: On the flip side, you may qualify for discounts that can lower your premium. These can include discounts for bundling multiple policies, maintaining a safe driving record, installing safety devices, or being a loyal customer.

4. What steps can I take to lower my insurance premiums?

There are several ways to potentially lower your insurance premiums, some of which are more practical than others. At a minimum, we suggest you consider the following: 

  • Shop: This is the benefit of working with an independent agency like ours. We can compare quotes from multiple insurance companies to ensure you're getting the best rate for the coverage you need.

  • Bundle Policies: Many insurers offer discounts for bundling multiple policies, such as combining your home and auto insurance.

  • Increase Deductibles: Opting for a higher deductible can lower your premiums, but be sure you can afford the out-of-pocket expenses in the event of a claim.

  • Improve Your Credit Score: In some cases, a higher credit score can lead to lower insurance premiums, so work on improving your creditworthiness.

  • Maintain a Clean Driving Record: Avoiding accidents and traffic violations can help keep your auto insurance premiums low.

  • Drive Less: Some insurers offer discounts for low-mileage drivers, so consider carpooling, using public transportation, or working from home if possible.

  • Install Safety Features: Installing safety features such as burglar alarms, smoke detectors, and security systems can lower your home insurance premiums.

  • Consider Your Coverage Needs: Regularly review your insurance coverage to ensure you're not paying for more coverage than you need. We almost never recommend reducing coverage, but in some instances it may be worthwhile. 

5. How do I file a claim with Ashley Insurance if I experience a loss?
In the event of a loss, you can file a claim with Ashley Insurance by contacting one of our agents directly via phone at
304-927-2175. Or you may file a claim directly with your insurance company. For contact information or direct links to claims information, check out our File A Claim page.


Whether it's one of our agents, or a company representative, our dedicated team will guide you through the claims process and ensure a prompt and efficient resolution.

6. Can I make changes to my insurance policy after it's been issued with Ashley Insurance?
Yes, you can make changes to your policy at any time. Simply reach out to our customer service team or go to our
Request Policy Change page, and we'll help you update your coverage to reflect any changes in your circumstances.

Important!! Please understand that no coverage or premium adjustment of any kind is bound until you receive written notice from the Insurance Carrier or Ashley Insurance. 

7. Does Ashley Insurance offer discounts for bundling multiple policies together?
Absolutely! Some of our biggest discounts come from bundling multiple policies together, such as combining your home and auto insurance, or your personal and business insurance together with one insurance company. The savings can be as great as 20% (versus standalone coverage) which can help you save thousands of dollars a year in premiums.

8. What should I do if I need to add a new vehicle to my insurance policy? What if it's the weekend?
To add a new vehicle or property to your policy, simply contact our office, and one of our agents will assist you in updating your coverage to include the new addition. If you buy a new car over the weekend and you're a current auto insurance policyholder of ours, you're covered and you typically have 7 days to let us know (check your policy documents to verify). Here's a helpful article called
Am I Covered If I Buy A Car Over The Weekend?

9. How often should I review my insurance coverage with Ashley Insurance?
We recommend reviewing your insurance coverage annually or whenever you experience significant life changes, such as purchasing a new home, getting married, or changing jobs, to ensure that you have adequate protection. If you're interested in reviewing and/or renewing your policy, you may do so here:

10. What happens if I have a lapse in coverage?
A lapse in coverage can leave you financially vulnerable. If you have a lapse,
contact us immediately to discuss reinstating your coverage and/or rewriting your policy in order to avoid any potential gaps in protection.

11. Does Ashley Insurance offer any specialized coverage options for unique needs or situations?
Yes, we offer specialized coverage options tailored to meet unique needs or situations, such as flood insurance, umbrella liability coverage, and more in West Virginia. Whether it's unique artwork, high net worth homes, or special event insurance, we have creative solutions to get you covered.
Contact us to learn more about our specialized offerings.

12. How does Ashley Insurance handle customer service and support?
At Ashley Insurance, we pride ourselves on providing exceptional customer service and support to our clients in West Virginia. Our live dedicated team is here to assist you with any questions or concerns you may have, ensuring that you receive the personalized attention you deserve. You don't have to talk to a call center, you talk to us.

13. What sets Ashley Insurance apart from other insurance agencies?
What sets us apart is our commitment to personalized service, competitive rates, and comprehensive coverage options tailored specifically for residents of West Virginia. As active members of the Independent Insurance Agents Association of West Virginia (also known as The Big I WV), we're also invested in helping the insurance industry in the Mountain State by supporting consumer-friendly public policy. As independent insurance agents, we don't work for the insurance companies--we work for you. With Ashley Insurance, you can trust that your insurance needs are in good hands.

14. How can I contact Ashley Insurance for further assistance or inquiries?
You can contact us by phone, email, or visit our website to learn more about our services or to speak with one of our friendly agents. We're here to help and serve the residents of West Virginia! Here is a
direct link to all of our contact information

15. Is Ashley Insurance licensed to operate in West Virginia and other states?
Yes, Ashley Insurance is fully licensed to operate in West Virginia, providing residents with quality insurance products and services tailored to their unique needs and circumstances. Each of our agents maintain professional licensure that requires at least 24 hours of continuing education with three hours of ethics every two years. 

16. Can Ashley Insurance help me find affordable life insurance coverage in West Virginia?
Absolutely! We understand the importance of protecting your loved ones' financial future, and we offer a variety of life insurance options to fit your budget and provide peace of mind in West Virginia. We have comprehensive information about
life insurance on our website

17. How does Ashley Insurance determine the best insurance coverage options for my specific needs?
Our experienced agents take the time to understand your individual circumstances and insurance needs before recommending coverage options tailored to fit your unique situation. Because we don't work for the insurance company, we'll look out for what's best for you by shopping for the best coverages and the best rates among multiple insurance companies. That's one of the biggest benefits of trusting your insurance to independent agents like Ashley Insurance.

18. Does Ashley Insurance offer online account management tools?
Yes, nearly every one of the carriers we work with offers convenient online account management tools. These tools allow policyholders to access their policies, make payments, and update their coverage information easily and securely from anywhere. Check out our
Policy Self-Service page. 

19. Does Ashley Insurance offer free insurance consultations or reviews for prospective clients in West Virginia?
Yes, we offer free insurance consultations and policy reviews for everyone in West Virginia - regardless of whether or not they are clients of ours. Our experienced agents will assess your current coverage and provide personalized recommendations to help you make informed decisions about your insurance needs.

20. Where is Ashley Insurance located? Can I visit your office?

We're located at 223 Main St in Spencer, West Virginia in the bright yellow building across the street from the Roane County Courthouse. We're open each weekday Monday through Friday from 9:00 AM to 4:30 PM. You're welcome to visit us during our work hours, or you can schedule an after-hours consultation. Our mailing address is:

Ashley Insurance

PO Box 15

Spencer, WV 25276

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