Landlord Insurance in West Virginia
Your homeowner's policy does not cover a rental property. Landlord insurance protects your investment property, your rental income, and your liability as a property owner.
304-459-2555What Is Landlord Insurance?
Landlord insurance, also called a dwelling fire policy or DP-3 policy, is designed specifically for property owners who rent their homes, apartments, or investment properties to tenants. Standard homeowners insurance is written for owner-occupied properties — if you rent out a property, your homeowners policy will likely deny a claim because the property is not your primary residence. Landlord insurance fills this critical gap.
What Does Landlord Insurance Cover?
A landlord insurance policy in West Virginia typically includes several essential protections for rental property owners.
- Dwelling coverage: Repairs or rebuilds the rental property structure after fire, storm, vandalism, or other covered losses
- Other structures: Covers detached garages, fences, and outbuildings on the rental property
- Liability coverage: Pays if a tenant or visitor is injured on your property and sues you
- Loss of rental income: Replaces lost rent if the property becomes uninhabitable after a covered loss
- Optional contents coverage: Covers appliances and furnishings you provide to tenants
What Landlord Insurance Does NOT Cover
Landlord insurance covers the structure and your liability — it does not cover your tenants personal belongings. Tenants need their own renters insurance policy to protect their possessions. Landlord insurance also typically does not cover intentional damage caused by tenants, normal wear and tear, or maintenance-related issues.
How Much Does Landlord Insurance Cost in West Virginia?
Landlord insurance in West Virginia typically costs 15–25% more than a standard homeowners policy for the same property. The exact cost depends on the property location, age, construction type, replacement cost, your claims history, and the coverage limits you choose. Most West Virginia landlords pay between $800 and $2,000 per year for a single rental property. AG Insurance compares rates from multiple carriers to find you the best price.
Landlord Insurance for WV, OH and KY Rental Properties
AG Insurance & Financial Solutions provides landlord insurance for rental properties throughout West Virginia, Ohio, and Kentucky. Whether you own a single rental home in Huntington, a duplex in Charleston, or multiple investment properties across the Tri-State area, we compare rates from multiple carriers to find the best coverage for your portfolio. Call 304-459-2555 or request a free quote online.
Serving Drivers and Homeowners Across the Tri-State Area
AG Insurance & Financial Solutions proudly serves clients throughout the Tri-State area, including Huntington, WV, Barboursville, WV, Chesapeake, OH, Proctorville, OH, South Point, OH, Ironton, OH, Hurricane, WV, Teays Valley, WV, Ashland, KY, and surrounding communities. As an independent agency, we compare coverage options from multiple carriers to help you find the right protection at the best price — no matter where you live in West Virginia, Ohio, or Kentucky.
Frequently Asked Questions
Is landlord insurance required in West Virginia?
West Virginia law does not require landlord insurance, but most mortgage lenders require it as a condition of financing a rental property. Even without a lender requirement, landlord insurance is strongly recommended to protect your investment, rental income, and personal liability.
What is the difference between landlord insurance and homeowners insurance?
Homeowners insurance is designed for owner-occupied properties. Landlord insurance is designed for properties rented to tenants. If you rent out a property covered by a homeowners policy, the insurer may deny claims because the property is not owner-occupied. Always notify your insurer when you begin renting a property.
Does landlord insurance cover tenant damage?
Standard landlord insurance does not cover intentional damage caused by tenants. However, some carriers offer tenant damage endorsements or malicious damage coverage for an additional premium. Talk to AG Insurance about adding this coverage if tenant damage is a concern.
Should I require my tenants to have renters insurance?
Yes. Requiring tenants to carry renters insurance is one of the best risk management strategies for landlords. It protects your tenants belongings, provides tenants with their own liability coverage, and reduces the likelihood that tenants will pursue you for losses your policy does not cover.
Can I insure multiple rental properties on one policy?
Yes. If you own multiple rental properties, we can often place them on a portfolio or blanket policy that provides coverage for all properties at a reduced cost compared to insuring each property separately. Call 304-459-2555 to discuss your rental property portfolio.
Why AG Insurance?
- Independent agency — we work for you
- Compare GEICO, National General, Root & more
- Local Huntington, WV agent
- Fast quotes & same-day coverage
- Licensed in West Virginia
Ready to Get Your Free Quote?
Call us now or request a quote online. We compare multiple carriers to find you the best rate in West Virginia.
AG Insurance & Financial Solutions | 304-459-2555 | Huntington, WV