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829 Fairmont Rd, Ste 102Morgantown, WV 26501
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Protect What Matters Most
Whether it's your home, your family, your bike or your boat, see how Allstate can help protect the things that matter most to you in life.
What's Covered by Homeowners Insurance?
There's no stock answer to what homeowners insurance covers, as policies vary from customer to customer and from state to state. But there are some standard coverages included in most homeowners policies, such as protection for your dwelling and personal property for certain natural disasters and personal liabilities. It's important to know exactly what is and isn't covered by your policy and to understand your coverage limits. If you'd like to talk through your current policy or get coverage tailored to life in WV, I'd be happy to help.
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What Does Auto Liability Insurance Cover?
You know you need liability car insurance, but what is it exactly? Liability insurance may help cover damages to another person resulting from an accident you cause, such as damage to their property or costs associated with their resulting injuries if you are found at fault. While liability is a basic type of auto insurance coverage, you'll still have some decisions to make, including setting property damage and bodily injury coverage limits. I'm here to help you choose the coverage that fits your needs while also meeting WV's minimum requirements.
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Rent Or Own Calculator
If you're wondering whether you should rent or own, there's a lot to consider. Aside from whether the space is right for you, how much maintenance you want to be responsible for and how to decorate, this decision can have financial implications. You'll need to consider monthly as well as long-term expenses in your decision. Use this calculator to help you compare the costs and whether renting or buying makes the most sense for you.
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Cash Value
You probably know that a life insurance policy's face value will be paid to the beneficiaries if something unfortunate should happen. But some policies have another valuable feature that may help you — cash value you can access and use for things like premium payments or loans. It can be a great addition to your financial plan, and it may be helpful if you run into an unexpected situation. Read this quick overview of the cash value feature, and then let's talk about whether this kind of policy is right for you.
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Is Your Office Rental Covered?
Renting an office for your business makes sense - you have the space you need without the costs or maintenance of owning the building. But relying on the landlord's insurance to cover your business if a fire or break-in should occur is not a savvy decision. The landlord's policy typically covers the building but not your company's equipment or the business if there is an accident in the office. Whether it's making sure your computers would be replaced or recouping potential losses after a disaster, let's talk about insuring your business before you sign that lease.
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Safety Vs. Style
The choice between stylish riding gear and truly protective gear should be easy - whatever makes it more likely you'll walk away from an accident safely. Thankfully there is a lot of gear that is both safe and stylish these days. And while I certainly hope you're never in an accident, choosing your protective wear wisely can make a big different if you are. From helmet guidelines to leather jackets to armor, here are some helpful tips on choosing the right gear for your ride.
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Motorhome Insurance Basics
If you own a motorhome or are thinking about purchasing one, here are some things you may want to consider when it comes to protecting your home on wheels.
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Fire Damage To Your Condo
Living in a condominium has its perks, especially if the condo board manages upkeep of the building. But you're still at risk when things go wrong in common areas or neighboring units, especially when it comes to a fire. The damage can be hard enough to deal with, but you could also be left wondering whose insurance will cover the costs of repairs and replacing your belongings. While you hopefully never experience a fire in or near your condo, it is important to be familiar with not only your condo insurance's fire coverage but also with the association's coverage.
Learn More Michael Turner is insurance licensed in the state(s) of Maryland, Pennsylvania, and West Virginia. If you do not reside in the state(s) of Maryland, Pennsylvania, or West Virginia, please go to the Find an Agent section on allstate.com to search for another Allstate Agent or Personal Financial Representative.
Subject to terms, conditions & availability.
This material is intended for educational purposes only. Auto and homeowners insurance, and other property and casualty insurance products, are available from Allstate Insurance Company, Allstate Indemnity Company, Allstate Property and Casualty Insurance Company and Allstate Fire and Casualty Insurance Company (Home Offices: Northbrook, IL); Allstate New Jersey Insurance Company and Allstate New Jersey Property and Casualty Insurance Company (Home Offices: Bridgewater, NJ); and Allstate County Mutual Insurance Company and Allstate Texas Lloyd's (Home Offices: Irving, TX). Life insurance issued by Allstate Life Insurance Company: Northbrook, IL; and American Heritage Life Insurance Company: Jacksonville, FL. In New York, Allstate Life Insurance Company of New York: Hauppauge, NY.
Subject to terms, conditions & availability.
This material is intended for educational purposes only. Auto and homeowners insurance, and other property and casualty insurance products, are available from Allstate Insurance Company, Allstate Indemnity Company, Allstate Property and Casualty Insurance Company and Allstate Fire and Casualty Insurance Company (Home Offices: Northbrook, IL); Allstate New Jersey Insurance Company and Allstate New Jersey Property and Casualty Insurance Company (Home Offices: Bridgewater, NJ); and Allstate County Mutual Insurance Company and Allstate Texas Lloyd's (Home Offices: Irving, TX). Life insurance issued by Allstate Life Insurance Company: Northbrook, IL; and American Heritage Life Insurance Company: Jacksonville, FL. In New York, Allstate Life Insurance Company of New York: Hauppauge, NY.
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