West Virginia HO8 Insurance

West Virginia HO-8 Insurance policy is designed for older homes in West Virginia. The West Virginia HO8 insurance companies usually only cover the actual cash value of the home in the event of a claim. Leading homeowners insurance companies in West Virginia are Prudential, Safeco, Farmers Insurance and Nationwide and they operate in cities such as Charleston, Morgantown, Clarksburg or Huntington.


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What Will HO8 Insurance Cover in West Virginia?

A standard home insurance policy in West Virginia whether you live in Charleston, Huntington or Morgantown will cover most damages to your WV home and your personal belongings from perils such as hail, smoke, windstorm damage from falling objects, riots, theft, trucks or vehicles.

What is West Virginia HO8 Insurance?

Homeowners insurance coverage that pays actual cash values or repairs in rebuilding cost and personal property. This type of policy is designed for older house or historical properties.

What is the main difference between HO3 and HO8 Insurance?

HO3 insurance is the most common for of coverage in West Virginia. HO8 is designed for older homes where you get cash value for the home after deducting any depreciation against the property.

What areas can qualify for HO8 Home Insurance in West Virginia?

The policy will cover any home in the state West Virginia such as:
  • Charleston, WV
  • Huntington, WV
  • Morgantown, WV
  • Parkersburg, WV
  • Clarksburg, WV
  • Beckley, WV
  • Mineral Wells, WV
  • Westover, WV
  • Princeton, WV
  • Fairmont, WV
  • Martinsburg, WV
  • McGraws, WV
  • Kearneysville, WV
  • Lewisburg, WV
  • Monongah, WV
  • Rock Cave, WV
  • Alkol, WV
  • Coldwater Creek, WV
  • Kingwood, WV
  • Pineville, WV