Home Insurance in Wheeling, WV
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Home Insurance Safeguards Your Investment in Wheeling
Wheeling has rich historical significance as the original state capital of both West Virginia and Virginia. Its convenient location near the Ohio River, the National Road and the B&O Railroad made it an important manufacturing center in the 19th Century. The city's 27,000 residents have a vital background to build on.
However, Wheeling has its eye on the future. Education, healthcare, energy, transportation and hospitality are a few of the most noteworthy industries in the area today. Wheeling is also the center for higher education in the Northern Panhandle. West Virginia Northern Community College and Wheeling University have campuses in the city.
The median value of a home in Wheeling is $116,300. less than half of the national median. With lower home prices, more people may be able to afford a home in Wheeling. Whether you dwell in the northern Warwood neighborhood, Woodsdale in the city's heart or Mozart on the southern edge, home insurance in Wheeling, WV, is essential. You can use the online tools at VIU by HUB to shop for your ideal policy. VIU by HUB lets you compare multiple insurers and prices.
What Your West Virginia Policy Includes
Your lender may require home insurance if you have a mortgage. A policy typically includes several coverages.
Dwelling
Dwelling coverage protects your home's walls, roof and attached structures such as porches and decks.
Other Structures
Your policy covers detached garages, sheds and fences.
Personal Property
Your belongings, including clothing, furniture and appliances, are personal property. High-value items such as jewelry or art may need extended coverage.
Personal Liability
This coverage pays for expenses if someone becomes injured or has property damage at your home.
Medical Payments
This insurance pays for medical expenses related to another person's covered peril.
Loss of Use
You may need to move out while repairing a covered peril. This coverage pays for related expenses.
Risks Wheeling Homeowners Face
Bad weather can cause damage to your home, and residents should be aware of the risks.
Ice and Snow
The temperature can dip below freezing between October and April. Freezing temperatures can cause pipes to burst, especially ones without insulation. Ice storms can cause tree limbs and power lines to break, putting you at risk for damage.
Wheeling gets about 20 inches of snow annually. Heavy snow can damage a weakened roof. Snow that melts and refreezes can block gutters, preventing runoff and causing water damage.
Storms
Storms can usher in heavy rain, high winds, hail and occasional tornadoes. All of these can cause damage to your home. Examples include:
- Winds blowing patio furniture and loose, heavy objects
- Storms causing roof and window damage
- Falling trees damaging your exterior
Home insurance in Wheeling, WV, covers many of these perils, though flood insurance is a separate policy.
The Cost of Home Insurance in Wheeling, WV
Homeowners in Wheeling pay an average of $1,040 annually for a homeowners policy, which is lower than the state average. Larger metro areas tend to have higher premiums. The cost of living is generally higher in big cities, making it more expensive to repair or replace your home after a covered peril. Dense populations can also have higher crime rates, presenting more risk to insurers.
Enjoy Peace of Mind With Dependable Home Insurance
Home insurance in Wheeling, WV, covers your most significant investment. VIU by HUB makes shopping for insurance easy and efficient. Use the website to compare multiple companies, prices and features. You can select the policy that fits your requirements with VIU by HUB.
This information is intended for general informational purposes only and is not intended to constitute legal advice.