Understanding Coverage7 min read
Renters Insurance in West Virginia: The Complete Guide
Think your landlord's insurance covers your stuff? It doesn't. Here's why renters insurance in West Virginia is affordable protection every tenant needs.
Insurance Tips & Guides
Helpful articles from the Parrack family of agencies. We believe in educating our clients—because understanding your insurance makes you better protected.
Insurance History & Education8 min read
What Does 'Certain Underwriters at Lloyd's, London' Actually Mean?
You received a policy that says 'Certain Underwriters at Lloyd's, London' instead of a familiar insurance company name. Here's what that actually means and why it's not as strange as it sounds.
Tips & Guides5 min read
Winter Freeze-Up Protection: Preventing Costly Pipe Damage
Frozen pipes are one of the most common—and preventable—winter insurance claims. Here's how to protect your home and what your policy covers.
Understanding Coverage6 min read
Why Uninsured & Underinsured Motorist Coverage Could Save You
One in seven drivers has no insurance—and one in three is uninsured or underinsured. Here's why UM/UIM coverage is essential.
Understanding Coverage10 min read
Workers' Compensation: West Virginia vs. Ohio's Monopolistic System
Doing business in both West Virginia and Ohio? Understanding the different workers' comp systems is essential—especially Ohio's state-run monopoly and the employers' liability gap.
Claims Help5 min read
Water Damage Claims: What's Covered and What's Not
Water damage is one of the most common property claims—but not all water damage is covered the same way. Here's what you need to know before a loss happens.
Tips & Guides4 min read
Small Group Health Insurance: Enrollment Waivers for January 1st
Getting group health coverage for your small business just got easier. Here's what you need to know about waived enrollment requirements for January 1st.
Claims Help4 min read
What to Do Immediately After a Car Accident in West Virginia
The moments after an accident are stressful. Here's a simple checklist to protect yourself and your claim.
Understanding Coverage3 min read
Understanding Deductibles: How to Choose the Right Amount
Your deductible affects both your premium and your out-of-pocket costs. Here's how to find the sweet spot.
Tips & Guides5 min read
Why Every Homeowner Needs a Home Inventory (And How to Make One)
If disaster struck tonight, could you list everything you own? A home inventory makes claims faster and fairer.
Saving Money3 min read
How Bundling Insurance Actually Saves You Money
Combining your auto and home policies isn't just convenient—it can significantly reduce your premiums.
Understanding Coverage4 min read
Why Liability Coverage Is More Important Than You Think
Liability insurance protects your assets and your future. Here's why the minimum often isn't enough.
Claims Help4 min read
5 Tips for a Smoother Insurance Claim
Nobody wants to file a claim, but when you need to, these tips help the process go as smoothly as possible.
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