Homeowners Insurance

HOMEOWNERS
INSURANCE

Your home - it's your favorite place to lie down at night and rise to the sun in the morning. Find out how Ashley Insurance Agency can help you protect it. We have some of the best homeowners insurance options in West Virginia, and if your insurance is in escrow with your mortgage, we easily work with many banks (big & small) to make sure it's a seamless transition. We've got great homeowners options for single-family homes, condos, mobile homes, and rental properties. We can also cover the things you keep inside.

If you have tangible assets, you need the protection of a homeowners insurance policy. A well-written policy will pay to replace any of your personal property that is destroyed in a fire or other disaster. The policy will also be your first line of defense against a lawsuit from someone injured at your home.

Personal Property Coverage

Protects items inside your home from damage, theft, and loss. The average cost of a fire claim is nearly $40,000. Our agents can help you with your coverage and add identify high-value items that need extra protection on your policy.

Mobile Home Insurance

We offer coverage for mobile, manufactured, double-wide and modular homes to help cover losses.

Rental Property Insurance

Owning rental property comes with many challenges. The last thing you want to worry about is if something is covered.

Multi-Policy Discount

We start with competitive rates, then add more ways to save. A typical multi-policy discount is around 20%

Structure Coverage

Helps protect your home’s exterior from the weather, fire and other sources of damage. If your home was destroyed, you'd want enough insurance to rebuild—at current construction costs. Our agents can help make sure you have just what you need and want.

Renters Insurance

Because your property is probably not covered by your landlord's policy.

Personal Valuables Insurance

We all have things that we collect and buy that are totally worth the splurge. Let us help protect your valuables.

Customized Coverages

Every home is different, so get what's right for yours. You can select the coverages you'd like to add to your policy: like Water Backup & Sump Overflow, Personal Liability, Identity Recovery, and Service Line Protection.

Liability Coverage

Helps protect you if you hurt someone or damage someone’s property. Falls on icy walkways and dog bites are small things that can turn into bigger problems and even lawsuits. Our agents can help you make sure your family is protected properly.

Condo Insurance

Similar to a home insurance policy, but with a few extras to help protect the unique features of your residence.

Personal Umbrella Insurance

Personal catastrophe liability coverage, also called personal umbrella insurance, can give you an extra layer of protection in case something tragic happens. We all like to think it will never happen to us, but the reality is that it might.