The mission of the Matthew Rowsey State Farm team is to make an impact on our community by building a personal relationship with you & your family to help you understand the risks of everyday life. We believe people prefer to have someone they know to help guide them through both good and bad times. It is this belief that stands behind what we do. We focus on Auto Insurance, Homeowners Insurance and Life Insurance throughout the West Virginia, Virginia, Kentucky, and Ohio area.

Car Insurance in West Virginia

If you're looking for auto quotes or car insurance in the West Virginia area, you're making a smart decision! Car Insurance Protects you against loss for damages resulting from car accidents, theft, weather events and other unforeseen costs with your policy type. An insurance policy helps buy the value of injury to cars, property, and even people.

Automobile Insurance- What Does It Cover?

It can cover you if you receive personal injury in an accident, or if you damage property or another vehicle. If you decide for a better level of coverage, you'll even be covered for the repair or replacement costs of your vehicle as a result of collisions, fire, theft, and weather events. Most policies will vary in coverage (and price), which is why it's important to review your options carefully.

What is liability when it comes to auto insurance?

Liability refers to the one that is legally responsible, or at-fault, in an accident. For instance, you'll be responsible for third-party damage if you didn't subside and collided with a vehicle that was already on a roundabout.

Homeowners Insurance West Virginia

When you buy a home insurance policy in West Virginia, your insurer will consider a variety of things when calculating your monthly payment, including your circumstances, house value and more.

The sum insured

The you'll within the event of a claim on your home and contents insurance (minus any excess you owe) is referred to as the "sum insured" Your sum insured amount needs to be enough to hide replacement or rebuilding expenses for your home, otherwise you'll risk under insurance, which could leave you out of luck and out of pocket. If you don't have adequate coverage, your insurer may only pay part of your claim- which is why you out to be insured for the right amount.

Lastly, once you insure your home, you'll need to calculate the replacement value of the entire structure and associated outbuildings as accurately as possible. You'll also want to do an equivalent for the belongings in and around your home. If you own particularly precious items, you would possibly consider removing additional valuables cover.

Life Insurance Looking for life insurance in West Virginia? You've come to the right site! Life insurance pays a lump-sum benefit to a nominated beneficiary at the time of your death. It means once you pass on, your loved ones do not have to stress about any expenses or debts you could potentially be leaving.

What does Life Insurance Cover?

Life insurance goes a long way towards protecting you and your loved ones from a financial standpoint if something unexpected happens. Different life insurance products are designed to guard you from different events which will occur. 

If you pass on or become ill or injured and may not work, there may be policies that can pay out a payment. This ensures that your family continues to enjoy an equivalent financial standard of living as before.