Who needs to have home insurance in West Virginia?

Owning real estate in the Follansbee, WV area has continued to be a great way to establish your personal financial equity and have a stable place to live. If you do purchase a home here, you need to ensure that you carefully assess your insurance needs. There are various situations when someone in West Virginia will need to have a proper home insurance plan. 

Home Insurance: Who Needs The Coverage

When Taking Out a Mortgage

A situation when someone will need to have a home insurance plan will come when they want to take out a mortgage. With housing prices at record highs, financing a home purchase with a loan is often an ideal option. If you do decide to take out a mortgage, you will need to meet the lender’s insurance requirements. Typically, this includes requiring you to have a full insurance plan and even establishing escrows for payments each month. 

When Trying to Cover Assets

You also will need to have coverage when you want to protect your assets. Your home is likely the most valuable asset that you will ever own. Because of this, you will want to know that you are doing all that you can to cover your valuable asset. If you get a proper home insurance plan, it will give you coverage for your home as well as your personal belongings. 

Contact Us Today

Property owners in the Follansbee, WV area will always want to know that they are choosing the right insurance plan. Once you are ready to start looking for a new policy in this area, it would be wise for you to call the Mutual Insurance Partners. The team with the Mutual Insurance Partners can offer the right support you need to build your next insurance plan. 

Why it makes sense to carry more auto insurance liability coverage than required

Drivers in the greater Follansbee, WV area can turn to the team at Pro Insurance Group for all of their auto insurance needs. If you have questions about the appropriate amount of insurance for your needs, give us a call today! We are here to help.

Benefits of carrying more than the required amount of liability protection

When it comes to liability protection, it can be difficult to know what level of coverage is most appropriate for your needs. Yes, there are stipulations in place for minimum coverage amounts in our state, but how do you know if that’s enough protection?

It is not uncommon to have an auto policy that provides more protection than what is required by West Virginia. This is especially true when it comes to liability protection. Weighing your liability protection options is a smart move, no matter what you end up deciding. Here are just a few of the benefits:

  • Lower likelihood of personal responsibility. If your liability protection is exhausted due to a catastrophic accident, you can become personally liable for any overages. Increased coverage can help you avoid this unwanted situation.
  • Increased coverage does not cost that much more. Premiums do not increase by a significant amount when liability protection is increased.
  • Peace of mind comes with knowing you have the protection you need. Knowing that you won’t face personal financial responsibility for a major accident can help you sleep much better at night.

Give us a call today

Pro Insurance Group is here for the wider Follansbee, WV community. If you have any questions about your auto policy or any other type of insurance, call or stop by our office today! Our team looks forward to working with you.

How Many Home Insurance Claims is too Many?

Although there is no limit on the number of claims that a homeowner can file, you’ll want to be judicious in choosing when and when not to contact your homeowner’s insurance company for a claim. Pro Insurance Group in Follansbee, WV has some suggestions for you to make a decision.

Home Insurance Claims – How to Decide?

If you have a history of filing claims, the insurance company may increase your rates because you are deemed a risky customer. When deciding whether or not to file a home insurance claim, start by comparing the anticipated cost of the repair versus your deductible. If the cost is less than your deductible, it is generally better to pay out of pocket than to file a claim.

An exception to this rule is if you are filing a liability claim – with a liability claim you should always file if there is a chance that you might be sued as the fees associated with a lawsuit can quickly escalate. If you are concerned that your homeowner’s insurance premium may increase, one way to reduce it is to increase your deductible. However, if you increase your deductible you’ll want to choose a number that you can easily afford to pay if a claim needs to be filed as your insurance company will only pick up the tab if the cost exceeds your chosen deductible. 

For more information on when to file an insurance claim or to purchase a homeowners insurance policy, let the team at Pro Insurance Group in Follansbee, WV help. We’ll take the time to answer each of your questions and walk you through the insurance process so that you will feel comfortable in any decision that you make.

Give us a call today to schedule a no-cost consultation with one of our friendly and knowledgeable insurance professionals.

Commercial Insurance Options for Online-based Businesses

When someone wants to invest in e-commerce in Follansbee, WV, one of the questions they ask is whether they need commercial insurance. The short answer is YES. Like any other business, online-based businesses face risks that can be mitigated with commercial insurance. Suppose you are unsure about the insurance options you need for your e-business. In that case, Pro Insurance Group is here to provide you with a breakdown of coverages applicable for your e-business.

General liability business

As long as you are in business, you can’t stay away from liability claims. Unfortunately, one significant claim is enough to melt away your business. So, if you run a business online, analyze your business risk profile, and purchase a sufficient amount of liability coverage to protect you when accused of property damage, advertising, and bodily injury.

Property insurance

This insurance protects the inventories, computers, and other business assets in your possession. The coverage compensates you when your assets are damaged or lost by a risk covered in your policy.

Workers’ compensation insurance

Beyond compliance, invest in worker’s comp insurance to protect your employees against illnesses and work-related injuries. Also, this insurance covers partial wages for employees who can’t resume work due to injuries sustained.

Cyber liability insurance

An online business handles a large amount of customer data. Suppose there was a breach? Your business would suffer significant financial losses, primarily through lawsuits and data recovery. Cyber insurance helps you cope with the financial consequences of a cyberattack.

Professional liability insurance

Do you provide professional advice online? You should invest in professional liability insurance. This coverage protects you when accused of negligence or missed deadlines, which caused the stakeholders that rely on your professional advice to suffer financial losses.

Need commercial insurance for your e-business? Please get in touch with Pro Insurance Group for a competitive quote.

What auto insurance is required in West Virginia?

When you are looking for auto insurance in West Virginia, it is important to find an independent insurance agent that can provide the choices you deserve. At Pro Insurance Group in Follansbee, WV, we share our 60 plus years of experience with our customers. We personalize your coverage to your particular needs. 

Almost every state has insurance requirements for those who drive in their state. West Virginia is no exception. You are required to have both liability coverage and uninsured/underinsured coverage. The amount is 25/50/25 for both types. Liability coverage protects other people from you and uninsured coverage protects you from others who don’t carry enough or have no insurance. It translated to $25,000 for injury to the first person and $50,000 for the entire accident with $25,000 for damage to property.

This is what is mandated by the state but if you have a loan on your vehicle, this will not be the only insurance required. The lender will require you have collision and comprehensive coverage to protect the vehicle they still partially own. Deciding if the minimum amount of liability coverage is enough is important. It is there to protect your assets. You may want to consider going with a higher limit. 

For most people, a vehicle is a necessity, something they just can’t do without on an everyday basis. If you are responsible for the damage to your vehicle you need to have collision and comprehensive coverage so that it can be repaired. That will protect you from theft, vandalism, damage from an accident, hit and run or damage from things like hail, flooding, or wind. 

Contact Pro Insurance Group in Follansbee, WV for all your auto insurance needs. We welcome you to stop in at our office or give us a call for a no-obligation quote. 

Do you have the right coverage for your company’s fleet of vehicles?

Pro Insurance Group understands how important a commercial fleet is. If you want to keep your company moving, be sure that you have the coverage you need! Business owners in the greater Follansbee, WV can rely on us for all of their commercial insurance needs!

Make sure you have the right insurance in place to protect your commercial fleet

When transportation is a big part of your business, it’s important to make sure your fleet is covered. You can’t risk the downtime that can come with having a vehicle out of commission. This can cause irreparable harm to your business and its bottom line.

Fleet insurance for your commercial venture can help protect your business from these types of losses. If you are unsure if your primary commercial policy or property insurance provides the protection you need, let us have a look.

Our team knows how important it is to keep business moving, and we can help you meet that goal. With a robust policy that protects your fleet, you can enjoy the peace of mind that comes with knowing you have the coverage you need. Don’t leave this to chance! Take the time now to review your policy for completeness. This review is also a great time to ensure that your coverage levels and policy limits are sufficient for your needs.

Not having the insurance you need can end in calamity. Let us help you stay on track with the right coverage.

You can count on us!

The entire team here at Pro Insurance Group is dedicated to meeting the insurance needs of our Follansbee, WV community. If you have questions about commercial insurance policy options, give us a call today. We look forward to working with you!

How To Protect Your Home From Fire Risks

Your home is probably one of your largest and most important investments. Not only have you invested a lot of time and money into your home, but your house is also the place your family comes to feel safe. It is very important that you take the proper steps to protect this important investment.

At Pro Insurance Group, serving Follansbee, WV and surrounding areas, we want to help our clients and future clients understand how they can protect the things that mean the most with great advice and insurance products. Keep reading to learn how you can protect your home from fire risks. 

Deal With Faulty Electrical Issues

Many house fires are the result of faulty wiring. If you notice your home experiencing faulty electrical systems, it is imperative that you have the problem dealt with as soon as possible by a professional electrician. Although this will feel like a big expense at first, remember that you are investing in the safety of your family and home. 

Avoid Clutter

Allowing extreme amounts of clutter to accumulate in your home can also be a fire risk. Clutter near appliances or electrical outlets will provide fuel in the event that a spark ignites or something short circuits. Keep clutter out with good housekeeping routines and frequent de-cluttering. 

Keep Dangerous Materials Out of Reach 

If you have children in your home, it is imperative that you keep all dangerous materials out of reach. This would include matches, lighters, fuel, or anything explosive. 

If you want to learn more ways you can protect your home, or if you are in need of insurance products, please contact us at Pro Insurance Group serving Follansbee, WV and surrounding areas. We will be happy to answer your questions today. 

Auto Insurance Myths To Watch Out For

Pro Insurance Group serves the Follansbee, WV community, as well as the surrounding areas. We are an independent agency. We pride ourselves on being able to offer our clients flexible policies that align with their needs and goals. We have working relationships with different carriers throughout the East Coast. We are confident that we can help you find the coverage you need to protect what matters most.

Auto Insurance Myths To Watch Out For

Operating a vehicle comes with multiple risks. You can’t control the other drivers on the road or prepare for the road conditions. Auto insurance gives you a safety net as you travel around Follansbee WV. You’re covered if you are involved in an accident with another driver or object. If you have a passenger in the vehicle, their medical treatment is covered in the event that they are injured. Comprehensive coverage protects you in unique situations. You can rely on the coverage if you are a victim of theft or your vehicle is accidentally set on fire. Liability coverage protects you if you are held responsible for any injuries or property damage caused by an accident. While researching coverage, watch out for these common auto insurance myths.

My Friend’s Coverage Takes Over If They Drive My Car

This is incorrect. Your auto insurance covers your vehicle at all times, even if someone is driving the vehicle. As a result, if your friend is involved in a collision while driving your vehicle, you are technically responsible for the damages.

Auto Insurance Covers Personal Property

Any damage to your personal property is not covered under auto insurance.  

One Ticket Will Alter My Policy

If you obtain one minor parking ticket, that is not enough to alter your auto insurance coverage.

Pro Insurance Group Will Help You Stay Safe On The Road

Visit our website to learn more information about auto insurance.

Commercial Insurance Options for Restaurants

Commercial insurance protects businesses from serious concerns and minimizes many legal and damage issues. At Pro Insurance Group serving Follansbee, WV, we can provide you with the high-quality coverage that you need at a price that makes sense for your needs. 

What Restaurant Insurance Covers 

Commercial insurance for restaurants typically falls under a specific heading. It is designed to cover all of the potential cost risks that may impact a restaurant and its operation. It covers many different elements of operation, including liability, worker’s compensation, and much more. 

Some restaurants may need commercial insurance policies to pay for any delivery vehicles they may own. This doesn’t mean that they cover their employees’ personal vehicles, of course. Just that they pay for any cars, trucks, or vans used specifically for delivering goods for your company.

Businesses That Need It 

Many types of businesses may fall within the restaurant heading. These aren’t just the types of places you might immediately think, either. They include destinations like:

  • Any bar that serves food
  • Taverns that may also serve foo a nd drinks 
  • Diners, including all-night eateries 
  • Delis and other sandwich shop options 
  • Food delivery organizations 
  • Pizza shops and other specialty restaurants 

Food trucks may also need this type of insurance policy. However, they typically have a specialized policy that must be bought and paid for to get the best results. Make sure you talk to your insurance provider to learn more about your options in this situation. 

Help is Available for You

If you need high-quality restaurant insurance or any other type of commercial policy, you need to work with us at Pro Insurance Group near Follansbee, WV to get help. Our team will work directly with you to ensure that you are satisfied and prevent the kind of long-term issues you’d otherwise experience.

Home Insurance FAQ

When you purchase a home, it is wise to invest in adequate insurance to protect your home and its contents. That is where home insurance comes in. It covers three main areas depending on your policy wording. These are physical damage, theft, and legal liability. The folks at Pro Insurance Group serving the area of Follansbee, WV often encounter the following queries:

Is Home Insurance only for Homeowners?

The answer here is no. Broadly speaking, there are six (6) different types of home insurance available depending on your needs, the type of home you have, and whether you rent your property or own it.

  • Basic
  • Broad
  • Special
  • Tenants Broad
  • Comprehensive
  • Special Condominium

Are there Deductibles?

Yes, normally there are provisions for deductibles for the section that deals with losses. In West Virginia, depending on the policy wording, the amount will vary. Some companies may offer higher deductibles in exchange for reduced premiums.

What is the difference between Replacement Cost and Actual Cash Value?

Replacement cost pays to repair or replace your property after a loss. Actual cash value is the replacement cost less depreciation and is the lesser coverage of the two options.

How is my premium determined?

There are several factors at play here. These include but are not limited to:

  • Type and amount of coverage you require
  • Your claims history
  • The level of security on your property
  • The home itself – the value, the age, the materials it is built from

Act Now!

Do not make the mistake of thinking that you do not need home insurance. Home insurance provides protection when your home is upside down from physical loss, theft, or even legal liability. Contact the Pro Insurance Group serving Follansbee, WV today and make sure you are adequately protected against every eventuality.