West Virginia & Ohio Vacation Home Insurance
Independent agency serving the home insurance needs of St. Marys, Parkersburg, Marietta, and all of West Virginia and Ohio since 1981.
Your vacation home is just as valuable as your permanent home. That’s why having the right vacation home insurance policy in West Virginia or Ohio is so important. If your vacation home were damaged or destroyed, would your policy offer enough protection to get your life back on track?
Pleasants County Insurance Agency, Inc. of St. Marys, WV can help you find a vacation home insurance policy that will offer you the protection you need at a price you can afford.
About Vacation Home Insurance in West Virginia & Ohio
Considering you will not be spending every day at your vacation home, a strong protection policy is important to have, especially for those days you’re not present.
Vacation home insurance offers financial protection if you suffer a loss to your home due to fire, theft, vandalism, or other covered event. In addition to providing protection for your vacation home, the right policy will also cover you in the event someone is injured while on your property and wins a legal judgment against you.
What does vacation homeowners insurance cover?
Every vacation home insurance policy is different, but most policies provide a similar protection plan as a homeowners insurance policy. We want to make sure that your vacation home is well protected, and you can continue to unwind wherever your vacation may be.
Some typical vacation home insurance coverages include:
Property or Dwelling Coverage
Property or Dwelling Coverage typically pays to repair or rebuild your vacation home if it’s damaged or destroyed by an insured event like a kitchen fire or windstorm.
Personal Liability Coverage
Personal Liability Coverage applies if someone is injured or their property is damaged and you are to blame. The coverage generally applies anywhere in the world.
This covers medical expenses for guests if they are injured on your property, and in certain cases covers people who are injured off of your property. It does not cover health care costs for you or other members of your household.
Additional Living Expenses
If you can’t live in your vacation home because of a covered loss, your home insurance policy will pay additional living expenses — commonly for up to 24 months — while damage is assessed and your home is repaired or rebuilt.
Personal Property Coverage
Your home is filled with furniture, clothes, electronics and other items that mean a lot to you. Personal Property Insurance helps replace these items if they are lost, stolen or destroyed as a result of a covered loss.
Every home is unique – talk to us today to find out how to get the best price and value on vacation home insurance in West Virginia or Ohio.