Home Insurance That Actually Protects Your Investment
Your lender requires it. But when disaster strikes, you'll be glad you have it.
Your home is likely your biggest financial investment. We help you protect it with coverage that goes beyond just meeting your mortgage company's requirements - we make sure you're actually covered when something goes wrong.
What's Typically Included in Your Home Policy
Here's what most homeowners policies cover - we'll help you understand each part
If You Live on a Farm
Many rural residents live on farm property - whether you're a full-time farmer or just have some acreage with animals. Standard homeowners policies often won't work for farm dwellings.
Primary Dwelling Coverage
Your house is covered even though it sits on farm property
Barns & Equipment
Coverage for farm structures, machinery, and agricultural equipment
Livestock Protection
Coverage for cattle, horses, pigs, chickens, and other farm animals
Farm Liability
Specialized liability protection for agricultural operations
Farm insurance provides comprehensive protection for your entire agricultural operation - from hobby farms to commercial operations. Coverage includes your home, barns, equipment, livestock, hay, feed, and liability.
Common Risks Your Policy Protects Against
Understanding what your homeowners insurance covers - and what requires additional protection
Wind & Storm Damage
Strong winds, severe thunderstorms, and occasional tornadoes can damage roofs, siding, and trees.
How We Protect You:
Your homeowners policy covers wind damage to your dwelling and belongings. Make sure you have replacement cost coverage and enough dwelling coverage to rebuild if needed.
Water Backup from Drains/Sewers
Heavy rain can overwhelm sewers causing water to back up through drains into your basement or home.
How We Protect You:
Standard policies DO NOT cover water backup. You need to add water backup coverage (also called sewer backup coverage) as an optional endorsement. It's affordable and provides limited protection when drains or sewers back up into your home.
Falling Trees & Branches
Mature trees can fall during storms, ice, or high winds causing significant damage.
How We Protect You:
Covered under your dwelling and other structures coverage when a tree falls on your house, garage, or fence. Your policy also covers debris removal after a covered loss.
Fire & Lightning
House fires from electrical issues, cooking accidents, or lightning strikes cause devastating damage.
How We Protect You:
Fire is one of the main coverages in every homeowners policy. Your dwelling coverage repairs or rebuilds the structure, and personal property coverage replaces your belongings. Additional living expenses pays for temporary housing during repairs.
Real Situations, Real Coverage
Here's what happens when you actually need your home insurance
Kitchen Fire
Grease fire spreads from stove to cabinets and ceiling, causing $25,000 in damage.
Coverage in Action:
Dwelling coverage repairs the structure. Personal property covers appliances and contents. Additional living expenses pays for hotel while repairs happen.
Burst Pipe While on Vacation
Pipe bursts in winter, flooding multiple rooms before you return home.
Coverage in Action:
Dwelling coverage repairs damaged walls, floors, and ceilings. Personal property replaces damaged furniture and belongings. Water damage from burst pipes is covered.
Visitor Injury
Guest slips on your icy porch and breaks their wrist, requiring surgery and physical therapy.
Coverage in Action:
Liability coverage provides legal defense and pays their medical bills up to your policy limits. If they sue, your insurance company defends you and pays settlements or judgments up to your coverage limit - only after that would your personal assets be at risk.
Severe Storm Damage
High winds rip shingles off your roof and a tree branch breaks your living room window.
Coverage in Action:
Dwelling coverage repairs your roof and window. If belongings were damaged by rain coming through the broken window, personal property coverage handles that too.
Lender Requirements vs. Smart Protection
Your mortgage company has minimums - but we recommend coverage that actually protects you
What Banks Require
- Dwelling coverage equal to loan amount
- Basic liability coverage
- Lender listed as loss payee
Banks care about protecting their loan - not necessarily protecting you completely.
What You Actually Need
- Replacement cost dwelling coverage (not just loan amount)
- Higher liability limits ($500,000-$1,000,000)
- Replacement cost on contents (not actual cash value)
- Water backup coverage for basement protection
- Separate flood insurance if near water or in flood zone
We make sure you're actually protected - not just meeting minimum requirements.
How We Find You the Right Coverage
Tell Us About Your Home
We ask about your home's age, size, construction type, updates you've made, and any unique features. This helps us get accurate quotes from multiple carriers.
We Shop Multiple Carriers
Instead of you calling around for weeks, we submit your information to multiple insurance companies at once. Different carriers price homes differently - we find who offers you the best value.
We Explain Your Options
We present 2-3 solid options at different price points. We explain what each policy includes, what's excluded, and help you understand the trade-offs between coverage and cost.
You Choose What Works
No pressure. You pick the coverage that makes sense for your situation and budget. If none of the options feel right, we keep looking until we find something that does.
We Handle Everything
Once you select a policy, we process the paperwork, coordinate with your mortgage company, set up payment, and make sure your coverage starts when you need it. We're here if you ever have questions or need to file a claim.
Let's Find the Right Home Insurance for You
We compare multiple carriers to find you the best coverage at competitive rates
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We also serve other areas in West Virginia
Ryan Parrack Insurance
Serving Elkins, Buckhannon & Northern/Central WV
Elkins, WV