--- title: Home Insurance Quotes in Beckley, WV - Wickline Insurance description: Start your home insurance quote in Beckley, WV today by calling Wickline Insurance. Representing the best homeowners insurance companies in WV! (304) 252-1483 --- # HOMEOWNER INSURANCE ## from Wickline Insurance [Start Your Quote](/homeowner-insurance/quote) ## Homeowners insurance protection from Wickline Insurance in Beckley, WV Since your home is such an important part of your life, you need a home insurance company that understands this and helps you find the homeowners insurance coverage that will best meet your needs. Wickline Insurance, in Beckley, West Virginia, is the company you want. We are dedicated to finding our clients the best home insurance in Beckley, Crab Orchard, Fayetteville and Mt. Hope with the most affordable rates possible. If you live in Beckley or any of the surrounding areas of West Virginia such as Crab Orchard, Fayetteville and Mt. Hope, you will want to check with Wickline, to see all that we have to offer in a homeowners insurance policy. We will find the right home insurance for you and will work to apply any discounts or price breaks that we can, to help you in your pursuit of the perfect home insurance. It doesn't matter if you live in a house, an apartment, or a condominium, you will want the insurance that will offer you peace of mind. It doesn't matter if you own or rent, in Beckley, you will still want that same peace of mind when it comes to your belongings. The contents insurance will be exactly what you need because your Wickline Insurance agent was able to advise you on the correct coverages. Homeowner insurance in West Virginia offer a variety of different options. That is why it is important to let Wickline, in Beckley, help you through the process. We will meet with you, determine your wants and needs, then search through our vast list of insurance carriers we represent, to find the perfect match for an insurance company you can trust. You will want to choose the policy that best fits your needs. We specialize in making this process easy. Stop by our office in Beckley or give us a call today, to see how we can help you with your home insurance needs. Wickline Insurance 330 Harper Park Drive Suite A Beckley, West Virginia 25801 Call 304-252-1483 Fax 304-253-1761 Email [lewicklineii [at] wicklineinsurance [dot] com](mailto:lewicklineii [at] wicklineinsurance [dot] com) Hours 9:00 AM - 5:00 PM, M - F ## Beckley Home Insurance in West Virginia Whether you own or rent, insuring the place you call home can help protect you financially if you suffer a loss due to fire, theft, vandalism, or other covered events. It will also cover you in the event someone is injured while on your property and wins a legal judgment against you. Protect yourself with a home insurance policy in West Virginia that is custom tailored to your situation. Homeowner insurance policies differ by which losses are covered, which coverages you choose, and what type of residence you own. You choose which policy is best for you, whether it’s a comprehensive policy that cover losses such as fire, hail, smoke, falling objects, vandalism and theft of personal property, or whether it’s a policy that covers only specified losses. Whether you’re a home or [condo](/condo-insurance) owner, a renter, or a [landlord](/landlord-protection), we will work with you to find a Beckley home insurance policy that fits your needs. We specialize in making it easy to choose the insurance coverage that gives you the best value for the best price. Your home insurance policy is most often made up of the specific options you choose. How much you'll pay for your policy depends on: - **Options you select** - Often home owner insurance options are priced individually, so how much you'll pay for your policy depends on what coverages you buy. - **How much you want to cover** - Higher deductibles usually lower your premium price by shifting part of the loss payment to you. For example, if you had a $500 deductible, you would be responsible for paying the first $500 of the covered loss. - **Where you set your limits** - You may choose to set higher limits than the recommended amount if appropriate to your situation and needs. Worried you aren’t completely covered? Consider an [umbrella insurance policy](/umbrella-insurance) that extends your coverage. ### The Right Coverage. The Right Price. The Right Value The amount you pay for your home owners insurance depends on many factors. Think of your personal housing situation, and the assets you want to protect. - **Protection for Your Home** Property or Dwelling Coverage typically pays to repair or rebuild your home if it’s damaged or destroyed by an insured event like a kitchen fire or windstorm. - **Protection for You and Other People** Personal Liability Coverage applies if someone is injured or their property is damaged and you are to blame. The coverage generally applies anywhere in the world. When choosing your liability coverage limits, consider things like how much money you make and the assets you own. Your personal liability coverage should be high enough to protect your assets if you are sued. - **Medical Coverage** This covers medical expenses for guests if they are injured on your property, and in certain cases covers people who are injured off of your property. It does not cover health care costs for you or other members of your household. - **Additional Living Expenses** If you can’t live in your home because of a covered loss, your home insurance policy will pay additional living expenses (commonly for up to 24 months) while damage is assessed and your home is repaired or rebuilt. - **Protection for Your Belongings** Your home is filled with furniture, clothes, electronics and other items that mean a lot to you. Personal Property Insurance helps replace these items if they are lost, stolen or destroyed as a result of a covered loss. - **Scheduled Personal Property Coverage** If you have special possessions such as jewelry, art, antiques or collectibles you may want to [talk to your agent](/contact) about this additional coverage. It provides broader coverage for specific items. - **If You Rent Out Your Home** [Landlords](/landlord-protection) may have the option to buy optional liability coverage for the risks posed by tenant-occupied dwellings. ## Protect the Things that Matter to You Make an inventory of your home and personal belongings. If possible, make a list as well as take photos or video – using two inventory methods can help expedite the claim resolution process. Keep this list somewhere other than your home. Keep in mind that your policy doesn’t cover damages caused by poor or deferred maintenance on your part. **Every home is unique**. [Talk to us today](/contact) to find out how to get the best price and value on Beckley home insurance for you. * * * ## Insurance Quotes Give us some info and we'll help you find the best coverage options. [Request a Quote](/homeowner-insurance/quote) ## Insurance Partners [Liberty Mutual — Progressive — Travelers — Hartford — State Auto — Foremost — Encompass — Hagerty — American Modern — Dairyland Insurance — National General Insurance — Allstate — Nationwide — Zurich — Celina — AEGIS — RLI — Hallmark — RPS — Encova — Highmark BCBS — Farmers and Mechanics — Berkshire Hathaway Homestate Companies — Westfield — RT Specialty — Amerisafe — GEICO — Frederick Mutual — Panhandle Farmers Mutual — Safe Insurance](/insurance-companies) ## Testimonials You don't have to take our word for it. Check out what our customers say about us. [View Testimonials](/testimonials) ## Connect Online - [Facebook](https://www.facebook.com/WicklineInsuranceAssociates) - [Yelp](https://www.yelp.com/biz/wickline-insurance-associates-beckley-4) ## Frequently Asked Questions About West Virginia Home Insurance What is the difference between market value and rebuild cost? **Market value** reflects what a home may sell for, including land and location. **Rebuild cost** focuses on the estimated cost to repair or reconstruct the structure using similar materials and labor. What is personal property coverage in homeowners insurance? **Personal property coverage** refers to belongings inside the home, such as furniture, clothing, and electronics. Items are valued based on defined methods and limits. What is liability protection in homeowners insurance? **Liability protection** relates to situations where a homeowner may be responsible for injury or property damage involving others. It is typically included as part of a standard homeowners policy. What is loss of use in homeowners insurance? **Loss of use** refers to situations where a home becomes temporarily uninhabitable. It is associated with additional living arrangements and related expenses. What is dwelling coverage in homeowners insurance? **Dwelling coverage** refers to the portion of a policy that relates to the structure of the home itself. It is based on the estimated cost to repair or rebuild the home using similar materials. * * * **Start your quote online or contact our office to find out how we can help you find a policy that fits your needs.** [Start Your Quote](/homeowner-insurance/quote) ```json {"@context":"https://schema.org","@type":"FAQPage","mainEntity":[{"@type":"Question","name":"What is the difference between market value and rebuild cost?","acceptedAnswer":{"@type":"Answer","text":"Market value reflects what a home may sell for, including land and location. 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