Aalpha Agencies LLC
1756 Mileground Rd, Suite A, Morgantown, WV 26505
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Morgantown households and business owners trust local agents to navigate carrier appetite shifts, underwriting requirements, and the claims process.
Compare local agents, coverage options, and specialties to find the right fit for your insurance needs.
1756 Mileground Rd, Suite A, Morgantown, WV 26505
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808 White Avenue, Morgantown, WV 26501
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1198 Cheat Rd, Morgantown, WV 26508
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486 Old Cheat Rd, Morgantown, WV 26508
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240 Scott Ave, Ste 7, Morgantown, WV 26508
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Learn about insurance coverage options specific to Morgantown residents.
West Virginia requires 25/50/25 liability coverage, which means $25,000 bodily injury per person, $50,000 bodily injury per accident, and $25,000 property damage per accident. The state also mandates uninsured motorist coverage at the same limits. However, these minimums often aren't enough to fully protect your assets in a serious accident.
The average homeowners insurance premium in Morgantown is approximately $1,209 per year for a $300,000 home with a $500 deductible. Your actual cost will vary based on your home's age, construction type, location, claims history, and credit score. This rate is competitive compared to the national average of $1,700-$2,000 annually.
While not legally required, renters insurance is highly recommended for WVU students. It costs $15-30 per month and protects your personal belongings from theft, fire, and damage while providing crucial liability coverage if someone gets injured in your apartment. Some off-campus landlords may require it as a condition of your lease.
No, standard homeowners insurance policies do not cover flood damage. Morgantown residents, especially those near the Monongahela River or in low-lying areas of Monongalia County, should consider purchasing separate flood insurance through the National Flood Insurance Program. Flood insurance typically costs $400-$700 annually depending on your property's flood zone designation.
Yes, bundling your auto and homeowners insurance with the same company typically saves 15-25% on your total premiums. The six local insurance agencies in Morgantown can help you compare bundle options from multiple insurers. Just make sure the bundled price is actually cheaper than buying separate policies from different companies.
Morgantown drivers pay the lowest minimum coverage rates in West Virginia at around $507 annually because insurance companies consider factors like population density, accident rates, theft rates, and local driving conditions when setting premiums. Morgantown's relatively favorable claims history compared to other parts of the state results in lower rates for drivers.
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