Boat & Watercraft in West Virginia
Hull, liability, and wreck-removal coverage. Homeowners policies cover only small craft, and only barely.
What is different in West Virginia
West Virginia requires uninsured motorist coverage. Steep terrain makes flash flooding and landslide the dominant property exposures, and both are excluded from homeowners policies — landslide requires a difference-in-conditions placement that most consumers have never been offered.
Exposures that shape pricing here
- flood
- landslide
- winter storm
- severe thunderstorm
Boat & Watercraft reading
- Buying guides
How to choose an insurance agent
Anyone can quote you a price. The differences that matter are who the agent represents, how they are paid, and what they write down.
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Homeowners insurance explained: the six parts of the policy
A home policy is six coverages, and the first one silently sets the size of three others. Here is how the structure works and where it goes wrong.
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Flood insurance explained
A separate policy for the peril your home policy excludes. What it covers, what it does not, and the waiting period that catches people out.