Winter has come. And with winter, comes winter weather – ice, snow, and the inevitable cold air that makes you see your own breath and makes the holidays so brisk! Living in West Virginia, there are several options on how to handle the cold. You can either huddle up by the fireplace with some hot cocoa or bundle up in your best winter gear and brave some of the various outdoor adventures West Virginia offers.

Regardless of your winter plans, now would be a great time to evaluate your current insurance policies. It’s vital that you, your home and your belongings are protected during these cold months.

Winter accidents happen

Winter accidents happen

Homeowners Insurance & Liability Coverage

Winter is bound to give us a range of weather conditions that often lead to accidents and mishaps – whether its freezing rain, snowfall, slippery roads or sidewalks, or frozen pipes. Talk with your Garlow Insurance agent today, to be certain that your current policies will protect your home as well as your holiday guests.

Recreational Vehicle Insurance

It’s time to stow the boat and bring out the snowmobile! These type of vehicles are not typically covered under standard home and auto insurance. If your current policy does not extend to recreational vehicles, it is important that you secure that additional coverage. Keep in mind, if you are considering canceling boat insurance for the winter — any threats of theft, damage or repairs exist during the off-season. You may want your insurance coverage in case those become a reality.

Fire Insurance

Most homeowners insurance provide coverage for your home and belongings in the event of a fire, however, it would be wise to know exactly how much coverage your policy provides and what coverage it doesn’t. You don’t want a cozy night around the fire turning into a holiday nightmare.

Call Garlow Insurance Agency, today and speak with one of our experienced insurance professionals. We can discuss the needs of your teenage drivers and which insurance policies are best for them. We have offices conveniently located in South Charleston, Teays Valley, Point Pleasant, Lavalette, and Glasgow.

Call us today to schedule your consultation! (304) 347-8972