Moore Integrity Agency
704A Main St, Fairmont, OK 73736
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704A Main St, Fairmont, OK 73736
View this agency's profile to learn more about their services.
Learn about insurance coverage options specific to Fairmont residents.
Essential insurance guide for Fairmont, WV. Learn about flood risks, mine subsidence coverage, auto insurance for I-79, and coverage for students and businesses.
If your home is near the Monongahela River or its tributaries, yes—flood insurance is essential because standard home insurance excludes flood damage. Even if you're not in a high-risk flood zone, consider it anyway, as about 25% of flood claims come from moderate-to-low risk areas. A flood policy typically costs $400-$900 annually in Fairmont and requires a 30-day waiting period before coverage begins.
Most Fairmont homeowners pay between $1,200 and $1,500 per year for home insurance, which is below the national average due to affordable property values. Your actual cost depends on factors like your home's age, construction type, roof condition, electrical and plumbing systems, credit score, claims history, and chosen deductible.
Yes, standard home insurance covers ice damage to your roof, siding, and structure from winter storms. It also typically covers spoiled food if your power is out long enough, usually up to about $500. Document all damage with photos immediately and keep receipts for any food or temporary living expenses.
Older homes can be more challenging to insure, especially those with outdated electrical systems like knob-and-tube wiring or older plumbing and roofs. Some insurers require upgrades before offering coverage, while others charge higher premiums. Make sure you have replacement cost coverage rather than actual cash value to properly protect period-appropriate features and materials.
You need landlord insurance (also called dwelling fire or rental property insurance), not standard homeowners insurance. Landlord policies cover the building structure and your liability exposure from tenants and visitors. They cost 15-25% more than regular homeowners policies due to higher risks, and you should consider adding loss of rent coverage to protect your rental income if the property becomes uninhabitable.
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