There are insurance needs A to Z. From your automobile, baseball cards, and coin collection through a myriad of other things, White Insurance and Associates can guide you through all the coverage you might need. They will also make sure you are aware of areas of coverage you might not even realize were available.

The typical types of insurance that come to mind are automobile, home owners, and life insurance. Digging down into even these basic categories, you find potential areas of concern such as renters insurance, fire and flood coverage, and disability insurance. The independent agents at White Insurance and Associates are experts at guiding individuals through insurance coverage for any scenario.

Life and health insurance is a rapidly changing landscape in today’s world. To ensure the concerns of you and your family are addressed, their agents listen carefully to your needs. Coverage options under the life and health umbrella are numerous. In addition to individual and family health insurance, there are options for dental, vision, long-term care, mortgage protection, and final expense benefits. Annuities can also be considered for those wanting a tax-deferred savings vehicle to complement their existing retirement plans.

Pet coverage is available! Pet owners think of their animals as family. Don’t be without coverage for your four-legged companions. Or your feathered friends. Or even your scaly buddies. Veterinarian costs can be considerable if your pet falls ill.

Are you a high-profile or high net-worth individual? If so, the individually tailored concierge plan of coverage includes provisions that traditional plans do not address. White Insurance and Associates can craft a coverage package specific to your needs for concerns such as multiple residences, identity theft, and private collections like art or jewelry. Even kidnap and ransom coverage is available.

What about the boat owners? Again, a vast assortment of coverage options exist. In addition to covering your motorboat, you can add coverage for water skiers, houseboats, catamarans, and yachts. There are policies to cover your boat as well as the trailer, injury to a water skier, hull damage, and the contents of the boat. Boat related premiums are usually fairly low cost, but White Insurance and Associates will find the best coverage at the most economical rate.

A local hot topic this year in the areas surrounding Charleston has been flood insurance, or more specifically the lack thereof. A homeowner’s policy does not cover flood damage. Mortgaged houses situated within a 100 year flood plain are required by law to be covered by a federal flood policy. However, if you are outside a high risk area, or you no longer have a mortgage on your home, you are not required to carry flood insurance. In case of a flood situation, having a policy in place, however, can pay for work done to sandbag your home, move furniture and perform debris removal.

So, given these example scenarios, why should you use an independent agent instead of just calling an insurance company on your own and signing up for various policies? White Insurance and Associates’ website says it best: “We are Independent Agents in Charleston, West Virginia, free to choose the best carrier for your insurance needs. We do not work for an insurance company; we work for you. We work on your side when you have a loss and follow through to see that you get fair, prompt payment and service. White Insurance & Associates represents a carefully selected group of financially strong, reputable insurance companies, therefore, we are able to offer you the best coverage at the most competitive price.”

What other reasons are there to entrust your needs to White Insurance and Associates? Convenience, as there are multiple locations to serve you as well as online bill payments. Need to file a claim? Initiate the claim online anytime day or night.

Years of experience allow agents at White Insurance and Associates to provide quotes quickly and at no cost. They assure you of low down payments, multi-policy discounts and immediate coverage. White Insurance and Associates brings you one of the most valuable things in life…peace of mind for you and your family.

By M. Lynne Squires