Renters Insurance in West Virginia

What would you do if you came home from work and found your apartment had caught fire? Even if the accident wasn’t your fault, you could be out thousands of dollars. An unexpected accident could force you to replace all of your clothing, furniture, and electronics. Plus, you’d have to spend a few hundred dollars on a hotel as you figured out another living situation.

Few people have the savings to weather a storm like this.

Renters insurance protects you from unexpected personal property loss.

USA lets you rent stress-free. Whether you’re renting an apartment or a home in West Virginia, our policies will help you recoup losses from:

Theft • Fire • Plumbing failures • Accidental Damage

Apartment fire requiring renters insurance in West Virginia

Who Qualifies for Renters Insurance in West Virginia?

Anyone who rents property and wishes to protect their belongings can purchase a West Virginia renters insurance policy. These policies are excellent for college students, young professionals, families, and elderly people. It doesn’t matter if you rent an apartment or a house; you can get renters insurance right here in West Virginia!

However, make sure you’re purchasing the right kind of coverage. Don’t buy renters insurance if you are a homeowner or a landlord. These types of individuals won’t benefit from West Virginia renters insurance. Homeowners will want to take a look at our home insurance bundles. Apartment owners can select separate apartment owners insurance.

What Does West Virginia Renters Insurance Cover?

Renters insurance depends on the specific policy details, so make sure to discuss your policy with a USA broker before making a final decision. However, most policies follow standard coverage limitations.

You can expect your renters insurance in West Virginia to cover property damage arising from:

  • Theft
  • Fire and smoke
  • Vandalism
  • Water damage from plumbing, furnace/AC or water heater

Policies don’t end there! Your renters insurance policy in West Virginia will likely include a number of additional perks. For example, your policy could cover any belongings that you keep in your car or that you bring with you on vacations and trips.

Renters insurance will also cover reimbursed living expenses. If a fire or other disaster makes your apartment unlivable, then you’ll need to find alternative living arrangements. Your policy will help cover hotel and food costs during the interim.

Finally, renters insurance often covers some legal and medical fees just like homeowners insurance. If someone sues you due to an accident at your apartment, you can rely on your renters insurance policy for compensation. Guest medical coverage also provides for reasonable and necessary medical expenses, like the cost of X-rays or an ambulance, if a guest is injured in or around your place–even if you’re not at fault.

What is Excluded from Renters Insurance Coverage?

When considering what is and isn’t covered by renters insurance, you must pay attention to your coverage limits. If you are a 25-year-old living in a small apartment with roommates, then you might not need much liability and property coverage. But if you own a collection of hand-crafted furniture and own many high-end cameras for a photography business, then it’s imperative your coverages meet the value of items in your possession. 

For reference, a common renters insurance policy in West Virginia will include $300,000 in liability coverage and $50,000 in personal property coverage.

After noting how much coverage you need, pay attention to events and disasters that don’t often qualify for renters insurance in West Virginia:

  • Floods
  • Earthquakes
  • Sinkholes
  • Bed bugs and other pests
  • Damage to your car
  • Your roommate’s possessions

If you are worried about personal loss related to these events, you may need additional insurance. Discuss your needs with a USA representative today!

Finally, expensive items may fall outside the scope of an average renters insurance policy. Most policies will outline how much of the personal property coverage can be applied to specific categories of items. For example, a policy may only cover $2000 worth of jewelry. If a thief were to run off with $30,000 in jewelry, you would not receive full compensation. The same applies to electronics, instruments, collectibles, and other high-ticket items.

When working with a broker to find renters insurance in West Virginia, make sure to mention any high-value items you own. 

How Renters Insurance Works

Renters insurance works much like any other insurance policy you may own. Once the damage occurs, you’ll submit a claim to your provider and receive compensation.

1. Create an inventory

Once you decide on a policy, you’ll want to create an inventory of your possessions. If possible, keep your receipts. This will expedite the claims process should you need to make a claim. Without an inventory, your insurance provider may deny your claim.

2. Document damage

Take photos and make a list of everything damaged during the accident/event. Be as detailed as possible. Contact your representative at USA as soon as the incident occurs and allow them to guide you through the documentation process. Disasters and tragedies can be difficult times, so it helps to have an experienced professional on your side. 

3. Submit a claim

The team at USA will help you file an accurate insurance claim. Claims will vary depending on your insurance provider, so please refer to their guidelines when requesting insurance reimbursement. 

How Much Does Renters Insurance in West Virginia Cost?

Thankfully, renters insurance in West Virginia is inexpensive. The average premium is about $12-$15 a month. If you bundle your renters insurance with other coverage types, you may be able to get your premium even lower. 

As with any insurance policy, always look for a balance between premium and coverage. A cheap policy with low coverage won’t be useful if it doesn’t cover items lost due to fire or theft.

USA is Your Go-To Broker for Renters Insurance in West Virginia

Let’s set you up with an excellent renters insurance policy. Our expert team will find you a policy that exactly matches your needs. We accommodate extraordinary circumstances (like people who own $20,000 baseball cards) while keeping your monthly premiums at a reasonable level. 

We source our policy offerings from the nation’s leading insurance providers so that you always know you’re receiving the best products on the market. 

Click the button below to request your insurance quote for renters insurance.