Matthew Rowsey

Our mission at Matthew Rowsey State Farm is to make an impact on our community by building a personal relationship with you & your family and helping you understand the risks you face every day, while assisting you with your needs. We can help you and your families with Auto Insurance, Home Insurance, Renter's Insurance, Life Insurance, Business Insurance, Commercial Insurance and much more throughout Charleston, WV. We also serve greater Charleston such as South Charleston, Belle, Saint Albans, Sissonville, Hurricane and the whole state of West Virginia! We can also assist our KY, OH, VA, and PA neighbors.

Car Insurance in West Virginia

If you're looking for auto quotes or car insurance in the Indiana 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.

Car Insurance Cost

The cost of insurance depends on the sort of insurance coverage you currently hold (i.e. Third Party Property, Third Party Fire & Theft or Comprehensive), and the way you're insured, meaning premiums can vary. Each of the following factors can impact your premiums, including:

• Your Claims history

• Your address

• where your car is parked (i.e. inside of a garage or on the street)

• Your driving history (and the driving history of other listed drivers).

How can I save money on car insurance premiums?

• You can potentially save on premiums

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 Indiana, your insurer will consider a variety of things when calculating your monthly premium, including your circumstances, house value and more. The factors outlined below have the potential to affect your final home and contents premium.

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.

Your Insurance Excess

An excess refers to the sum you've got to pay once you claim on your policy. Most insurance policies will have a basic or standard excess which applies to each claim although, you'll typically have the choice to extend your excess amount, which can reduce your insurance premium.

Other Factors that Affect Homeowners Insurance

There are a variety of other factors which will affect your Indiana home insurance, which are detailed as follows:

Your level of coverage. Your home insurance premium are going to be suffering from the exact extent of insurance coverage you select and any additional benefits you include.

Home Security.

Age and Structure of your property. Your insurer will consider your property's age, construction materials and sturdiness to work out potential premium.

How the property is occupied. If you're renting your property to somebody else, or your house is unoccupied for a particular amount of your time, it's going to affect your premium; that's if an insurer is willing to require on this added risk within the first place.

Changes within the insurance market. Although these are often out of your control as a primary policyholder, insurance companies will typically communicate any forthcoming changes to you.

How the house is utilized from a business standpoint. Your premiums could also be calculated differently if you conduct business from your home.

If you've got any questions, don't shy away from asking! After all you'll definitely appreciate being adequately covered than risk being underinsured. 304-925-8000 for a free consultation/quote today!

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.