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House fires, burglaries, and damaging storms can occur at any time, and you could lose everything you own if you don't have insurance. Here's how to get low cost homeowners insurance coverage in West Virgina with a reliable company. What does homeowners insurance cover? A homeowners policy actually gives you four different types of coverage: 1. It pays to rebuild or repair your home after it's been destroyed by or damaged. 2. It pays to replace your personal property such as furniture, clothing, appliances, and electronics. 3. It pays for court-awarded damages and your legal fees when someone hurts himself on your property and wins a lawsuit against you. 4. It pays for your hotel, motel, and restaurant bills when your house is being repaired and you need temporary living quarters. How much Homeowners insurance do I need? You should have enough coverage to rebuild your home if it's destroyed. To find out how much this would be, ask a local builder or Realtor what the building cost per square foot is in your area, then multiply that figure by your home's square footage. How much personal property coverage do I need? To find out how much personal property coverage you need, take an inventory of all your possessions. The total value of your possessions is the amount of coverage you should have. Some expensive items like jewelry, works of art, and certain types of collections may not be fully covered. Check your policy to see how much coverage you have, then purchase additional coverage if you need it. Does homeowners insurance protect me from flood damage? Standard polices do not provide coverage for floods. If you live in a flood zone you can purchase federal flood insurance through your insurer. How can I get low cost homeowners insurance coverage in West Virginia? The easiest way to get low cost homeowners insurance in West Virginia is to go to an insurance comparison website where you can get rate quotes from different companies in one place. Visit http://www.LowerRateQuotes.com/homeowners-insurance.html or click on the following link to get West Virginia homeowners insurance quotes from top-rated companies and see how much you can save. You can get more tips and advice in their Articles section. The author, Brian Stevens, is a former insurance agent and financial consultant who has written a number of articles on homeowners insurance coverage in West Virginia.
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