West Virginia’s most heralded college town attracts visitors for sporting spectacles, arts, and education opportunities, but those who decide to stay and settle down find even more. A bustling downtown, affordable cost of living and wealth of outdoor adventures make Morgantown a great place to grow roots. And if you’ve made your home here, you’ll want to ensure it’s protected for the long run. Keep it safe with flexible, reliable homeowners insurance from Nationwide.
Explore homeowners insurance coverage options in Morgantown, WV, and protect yourself and the things that matter most, all while finding new ways to save.
Morgantown home insurance coverages and discounts
- Dwelling replacement cost – Coverage that protects the structure of the home (roof, walls, wall-to-wall carpeting, etc.)
- Brand New Belongings – May be purchased to provide replacement cost for personal property in the event of a covered loss.
- Better roof replacement – Optional coverage that guarantees that a strong, more leak resistant, longer-lasting roof will be installed if a claim results in the need for full replacement.
- Equipment breakdown – Provides coverage to repair or replace costly household appliances.
- Service Line Coverage – Offers protection to cover the cost to repair damaged exterior underground service lines. Service line must be owned by the homeowner.
- Other structures – Coverage for sheds, detached garages and other structures not connected to the main dwelling itself.
- Personal property – Coverage for personal items (clothing, furniture, appliances, computers, etc.) on and off the premises.
- Loss of use – Coverage for when an insured has to move out of the home while repairs are made as a result of damage of a single occurrence (only the highest deductible will be applied).
- Home and Car Special Deductible – Waives or reimburses the lowest deductible when a covered auto and property loss is the result of a single occurrence, only the highest deductible will be applied.