A scenic view of a bridge in West Virginia during sunset, with sunlight streaming through the structure and illuminating the surrounding hills.

West Virginia Insurance with The Della Agency

Protecting what matters most isn’t one-size-fits-all. At The Della Agency, we make sure your coverage fits your life, whether it’s commuting around Charleston, protecting your mountain cabin, or the security of your loved ones. You can depend on Della to guide you through every step.

Serving these major areas and more:

  • Charleston
  • Huntington
  • Morgantown
  • Wheeling
  • Beckley
  • Harpers Ferry

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West Virginia State Insurance Requirements & Recommendations

General liability is essential, and workers’ compensation is required for most employers. Depending on your business, additional coverage for property, cyber liability, and business interruption may be wise.

West Virginia drivers must carry $25,000 per person / $50,000 per accident for bodily injury, and $25,000 for property damage. Many families choose higher limits for extra peace of mind on mountain roads and rural highways.

Your condo association’s master policy usually stops at the walls. This policy covers your unit’s interior and belongings.

Homeowners policies may limit coverage for valuables. Special policies protect higher-value antiques and collectibles, common in historic mountain homes.

Most policies don’t cover floods or earthquakes. Homes near rivers and mountain streams may need extra flood protection. We’ll help you make sure you have the right coverage no matter where you live in West Virginia.

Life insurance isn’t required, but many West Virginians choose 10x their annual salary to safeguard their family’s future. Retirement planning is just as important. We can help you consider 401(k)s, IRAs, and other tools to make your later years more secure.

The law requires the same minimums as with car insurance – at least $25K/$50K for bodily injury and $25K for property damage. Many riders add collision and medical payments for extra protection.

This adds $1M+ of extra liability over auto and home policies, making it a popular option for families with assets or recreational property.

Pet insurance pays for vet bills if your furry friends are hurt or get sick. It’s a smart choice for peace of mind.

Landlords usually only insure the building, not your stuff. They typically require renters insurance, which protects your belongings and provides liability.

If your RV is motorized, you are required to have liability limits as you would a car – at least $25K/$50K for bodily injury and $25K for property damage. If it’s towable, then coverage can be added to your auto or home policy.