Smith Family Insurance – Serving West Virginia

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We Cover It All - So You Can Worry Less

Auto

Home

Renters

Recreational

Life

Pet

Commonly Asked Questions

1 Can I get a discount if I bundle my auto insurance with home or renters insurance?

Yes! Many of the companies we work with offer multi-policy discounts when you bundle your auto insurance with home, renters, or other policies. Bundling can save you money and simplify your insurance management by keeping everything under one roof.

2 What does a standard home insurance policy cover in West Virginia?

A typical homeowners policy covers your home’s structure, personal belongings, liability protection, and additional living expenses if your home becomes uninhabitable due to a covered loss (like fire or storm damage). Coverage can vary by company, and we help you customize a policy that fits your property and lifestyle.

3 What affects the cost of homeowners insurance in WV?

Factors include the value and age of your home, construction materials, location (such as distance from fire services), your claims history, and the level of coverage and deductibles you choose. Since we work with multiple companies, we compare options to find you the best value.

4 Why should I choose an independent insurance agent for my auto insurance in West Virginia?

As an independent agent, we’re not tied to just one insurance company—we work with several top-rated carriers. This gives us the ability to compare rates and coverage options to find the best fit for your specific needs and budget. You get personalized service and competitive pricing all in one place.

5 What factors affect my auto insurance premium in WV?

Several factors can impact your rate, including your driving history, age, location, vehicle type, credit score, and how much you drive. As an independent agent, we shop multiple carriers to find the best rates based on your unique profile.

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