Road Tripping This Summer? Make Sure You Have Adequate Auto Insurance

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Is the scenic beauty of West Virginia calling to you this summer? There’s nothing like a road trip to spice up your summer holidays! As you plan to hit the road, don’t forget to review your auto insurance coverage to ensure you’ve got adequate protection for your travels. At Smith Insurance Agency of West Virginia in Kingwood, WV, we can help adjust your coverage to meet your summer driving needs.

Types of Auto Coverage

Various factors come into play when deciding on an auto policy, such as your driving habits, the type of vehicle you drive, the value of your car, your age and driving experience, etc. At Smith Insurance Agency of West Virginia, we can help personalize your auto policy to ensure you’re protected from any eventuality.  

Bodily injury and property damage liability coverage is mandatory in West Virginia to protect other drivers from accidents you cause. For summer travels, you should also consider the following additional coverage:

  • Collision – to help cover your vehicle repair costs if it’s damaged in a collision
  • Comprehensive – to protect your vehicle from weather damage, vandalism, non-collision incidents, and theft during your travels
  • Uninsured Motorist – to help pay for your damages if you’re hit by a driver with poor or no insurance coverage
  • Personal Injury Protection (PIP) – to help cover your medical expenses if you’re injured in an accident
  • Roadside Assist – to provide assistance if your vehicle breaks down unexpectedly. This assistance may include towing your vehicle to a mechanic, jump-starting a dead battery, changing a flat tire, and more.   

Update Your Auto Coverage 

To learn more about auto coverage options or to update your auto policy, contact Smith Insurance Agency of West Virginia in Kingwood, WV.

When should you review your home insurance policy

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Life changes, your situation changes, and your home may change. Your home insurance needs to keep up with the changes. It is easy to get complacent and just let your insurance roll over from year to year. This is not necessarily the best thing for you or your finances. At Smith Insurance Agency of West Virginia in Kingwood, WV, our team of experienced insurance experts is here to help you review your home policy. 

The ideal time to review your home insurance is when your policy renews. Whether you get your policy through the mail or online, the first page will be the declaration page. It lists all your coverage amounts and what you are paying for them. If you have any endorsements, they will also be listed. It will also show any discounts that you are eligible for. Please look at the amount of coverage you have and whether it makes sense. 

Another reason to review your home insurance is if you get a sudden increase in the premium. Compare the declaration page to last year’s declaration page and see where the increase is. Call your insurance agent and ask for an explanation. It may be time to consider changing to another carrier. 

You should let your insurance agent know if you have renovated your house. These are things like adding extra living space or another bathroom that increases the value. Adding safety equipment to your home, like an alarm system or wired smoke detectors, may save you money. 

Don’t ever assume that your home insurance is correct. Question everything.

Contact Smith Insurance Agency of West Virginia in Kingwood, WV, for all your home insurance needs. Give our office a call or reach out through our website. 

My landlord already has insurance. Do I need renters insurance as well?

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Renters’ insurance is always a good idea here in the Kingwood, WV area, even if your landlord already has insurance. While it’s true that the landlord’s policy covers the physical structure of your home, such as the building itself and any permanent fixtures, it usually won’t cover the personal property you bring into the home or provide liability protection. At Smith Insurance Agency of West Virginia, we can help you understand renters insurance and how it can help you.

Renters insurance (also called tenant insurance) helps protect your belongings from theft, fire, or other types of damage. It also provides coverage if someone gets injured on your property and sues you for damages. It’s usually pretty affordable, too, especially when compared to what you might pay out of pocket for repairs or medical bills in the event of an incident.  

Ultimately, deciding whether to get renters insurance is a personal choice. But considering how much it can help protect you and your assets, getting some extra coverage may be worth looking into! We understand the importance of adequate protection against potential harm at Smith Insurance Agency of West Virginia.

We can help you decide on the correct type of insurance for your needs and budget. We’ll also provide information about standard terms and conditions affecting your coverage. So don’t hesitate to contact us today if you want the right insurance policy to protect your home and belongings! We proudly serve the Kingwood, WV area and look forward to hearing from you.  

Why Every Family Should Have Umbrella Insurance

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The right insurance policies can protect people from many different things. That said, any given insurance plan often has gaps and limitations. Fortunately, with the right umbrella insurance, it may be possible to close and seal those gaps. Contact Smith Insurance Agency of West Virginia, serving Kingwood, WV, and beyond, to explore umbrella insurance plans.

We’re going to examine insurance policies and coverage in a second closely. However, it’s essential to read the fine print with a given insurance policy as there are many nuances, and not all plans provide the same coverage.

A Closer Look at Umbrella Insurance

Car insurance covers vehicles, as you likely already know. Meanwhile, homeowner’s insurance covers homes, personal property, and perhaps even personal injuries incurred by guests on your property. So why do you need an umbrella insurance policy?

First, insurance policies usually don’t provide complete protection from different types of damages. Second, even with events covered, there is often an upper limit on how much the plan will pay.

Understanding what is covered and how much is covered is crucial. Many people use umbrella insurance to expand coverage to mitigate more events and liabilities. Folks also often want to increase payout and liability limits.

Standard homeowners’ insurance may not cover certain events that destroy or damage your home. For example, flood damage often isn’t covered by standard home insurance. Likewise, many plans fail to cover damage from termites and other pests. Some policies will cover bills from dog bites, and some won’t.

With umbrella insurance, extending coverage for termites, dog bites, and the like may be possible. This way, your family can mitigate risks and improve financial security.

Contact Smith Insurance Agency of West Virginia, serving Kingwood, WV, and other areas nearby, to discuss umbrella insurance options.

Should I Get Flood Insurance Even If I Have Home Insurance?

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When you already have home insurance through our office at Smith Insurance Agency of West Virginia in Kingwood, WV, it might seem redundant to get a flood insurance policy on top of that. You might think your home insurance policy provides all the damage coverage you could need. Through our years of experience as an insurance company, we’ve seen how underestimating the amount of coverage you need for your home can have devastating results. 

What does flood insurance cover?

Flood insurance covers damage from higher-than-normal amounts of water on typically dry land. Flooding can happen due to excessive rainfall after a dry spell, long stretches of rainy days in a row, or water from a body of water spilling over riverbanks and dams. When these disasters occur, flood insurance covers repair costs. In some cases, flood insurance can also cover replacing flood-damaged items. The specifics vary from policy to policy, so it’s always important to discuss what your policy covers with your insurance agent or company before making assumptions.

Why is flood insurance important to have in addition to home insurance?

Since many home insurance policies do not cover flooding-related expenses, flood insurance is essential to acquire even if you have home insurance. Flooding might not be a qualifying event for your home insurance policy. When you live in a “flood zone” or an area impacted heavily by flooding, your mortgage lender or other parties might require flood insurance. In these cases, home insurance isn’t enough to protect your property or valuables from flooding.

To avoid scrambling in an emergency, call our office at Smith Insurance Agency of West Virginia in Kingwood, WV for a flood insurance quote.

The different types of commercial insurance

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Commercial insurance is an integral part of any business. It helps protect businesses in the Kingwood, WV area from potential risks and losses, allowing them to stay afloat despite unforeseen events. Smith Insurance Agency of West Virginia offers several commercial insurance types, each tailored to particular needs and industries. 

General Liability Insurance protects against claims due to bodily injury, property damage, and personal injury caused by products or services of the business. This type of policy is essential for businesses that interact with customers directly or provide products or services.

Property Insurance protects against damage to buildings, equipment, furniture, inventory, and other assets owned by the business if there is a natural disaster or other covered peril. It also provides financial protection if there is theft of valuable items from the premises as well as coverage for lost data due to computer viruses or hacking attacks. 

Business Interruption Insurance provides financial assistance if a business temporarily closes its doors due to a natural disaster or other covered events. This type of policy helps companies keep their operations going during a time when their usual sources of income become unavailable. 

Umbrella Insurance covers additional damages not typically included in other policies, such as advertising injury liability (which covers libel and slander) and employee practices liability (which covers workplace harassment). This extra layer of protection can help businesses avoid significant out-of-pocket expenses if faced with legal action or expensive claims. 

Having the right commercial insurance plan in place can be invaluable for any business. By speaking to an agent at the Smith Insurance Agency of West Virginia, businesses can ensure they have adequate protection and peace of mind in all circumstances. We serve the Kingwood, WV area.

Safe driving tips for new drivers

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New drivers often lack the necessary experience to be safe on the road. Car accidents are one of the leading causes of injury and death in young people, so new drivers need to take safety seriously.

Here are some simple tips from us at Smith Insurance Agency of West Virginia to help you stay safe behind the wheel:

  1. Always wear your seatbelt. Wearing your seatbelt is one of the most important things you can do to stay safe while driving. Ensure you and any passengers in your vehicle are buckled up before hitting the road.
  2. Don’t text and drive. Distracted driving kills thousands of people each year, so it’s essential that you keep your eyes on the road at all times when behind the wheel. Put your phone away or turn off notifications while driving so you won’t be tempted to look at it on the road. 
  3. Be aware of speed limits and obey traffic laws. Speeding is a significant contributor to car crashes, so stay within posted speed limits when out on the road. Obey all traffic signals, such as stop signs and yield signs, too – these rules are there for a reason!
  4. Drive defensively, not aggressively. Defensive driving means watching out for other cars on the road and anticipating their actions to stay safe – don’t drive aggressively, putting yourself or other drivers at risk of an accident or injury. 

Following these safety tips can help ensure that every time you hit the road, you confidently know that you are taking steps to protect yourself and others around you from harm. For more tips, call us at Smith Insurance Agency of West Virginia today! We proudly serve the Kingwood, WV area.

Why should I get home insurance for my Kingwood property?

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Owning a home has continued to be a worthy investment in the Kingwood, WV area. If you are going to buy a home, you will enjoy having a place to call your own and the ability to build long-term wealth. If you are going to buy a home here, you need to insure it properly. There are various reasons why you should get a home insurance policy for your West Virginia property. 

Receive Helpful Coverage

A primary reason that people will want to have this insurance is so they can receive reliable coverage. If you purchase a home, you will want to know that you are supported if you incur an unforeseen loss due to damage or destruction of your home. A home insurance plan will provide coverage to repair and replace the property in various situations. 

Stay in Compliance

Getting home insurance to stay in compliance and in good standing with your insurance obligations is also a good idea. It is very common to be required to have home insurance. If you have taken out a mortgage or live within a home association, you will likely need a certain type and level of insurance. Having home insurance will keep you in good standing with these obligations. 

Those living in the Kingwood, WV area will need to ensure they are correctly covering and protecting their home. If you want this type of coverage, it would be wise to call the Smith Insurance Agency of West Virginia team. The Smith Insurance Agency of West Virginia team can assess your situation and help you build a home insurance plan that is right for your situation. 

Protect Your Belongings in Kingwood With Renters Insurance

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As a renter in Kingwood, WV, it’s essential to protect your belongings in case of an accident or theft. Renters insurance is an affordable way to do just that. Here’s what you need to know about renters insurance and how it can benefit you.

What is Renters Insurance?

Renters insurance is a type of insurance that covers your personal belongings in the event of damage or theft. It also provides liability coverage in case an injury happens on your property. Most importantly, renters insurance lets you know that your belongings are protected. 

Benefits of Renters Insurance

There are many benefits to having renters insurance in Kingwood, WV, including: 

  • Protection for your belongings: In the event of damage or theft, your renter’s insurance will reimburse you for the cost of replacing your belongings. 
  • Liability coverage: If someone is injured on your property, your renter’s insurance will cover their medical expenses. 
  • Peace of mind: Knowing that your belongings are protected can give you peace of mind and help you relax and enjoy your home. 

These are just a few of the many benefits of having renters insurance in Kingwood, WV.

How to Get Renters Insurance 

The best way to get renters insurance is to contact your Smith Insurance Agency of West Virginia representative for a free quote. So don’t wait—contact us today to get started! We’ll help you find the right coverage for your needs and budget.

Don’t wait until it’s too late—protect your belongings with renters insurance today! Contact Smith Insurance Agency of West Virginia for a free quote and see how affordable it can be.

Protect your company from liability risk with an umbrella policy

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Smith Insurance Agency of West Virginia is proud to serve Kingwood, WV and the surrounding area. You can count on us if you own a business and have questions about umbrella insurance. Contact our office today to set up an appointment.

Umbrella insurance is an effective way to protect your company from liability risk. 

Liability protection is important for all types of companies. If you own a company that has been increasingly growing, it’s probably time to take a close look at your liability protection. Without adequate liability coverage, the company can be held financially responsible. And depending on the structure of the business, the owners and principals could also carry some personal liability.

Umbrella insurance comes into play if your primary property insurance policy is exhausted. The firm’s direct insurance will be accessed when a company suffers a significant loss and is held liable, typically due to a lawsuit. If the damage is to such an extent that the primary policy limits are reached and exceeded, the umbrella policy will come into effect. 

Without this protection, a company’s future viability can be at risk. Now is an ideal time to meet with a local insurance professional to learn more about how an umbrella insurance policy can provide your company’s additional liability protection. Don’t wait until your primary policy is exhausted to add this vital policy type to your company’s insurance portfolio. 

We look forward to working with you!

Business owners in Kingwood, WV, and the surrounding area can rely on the team at Smith Insurance Agency of West Virginia for all of their commercial insurance needs. Call us today and schedule a consultation if you have questions about umbrella insurance.