Ellis Insurance Agency
Learn more about our agency.
Ellis Insurance Agency is a second-generation, family-owned and operated independent agency. Since 1981, we have offered insurance services to clients of Charleston, WV, and across West Virginia statewide.
Operating as an independent insurance agency allows us to work with one priority—you. We have the opportunity to represent multiple reputable insurance companies, which offers access to a variety of coverage options, bringing you the best value when it comes to price, policy, and service.
Our goal is to continue to offer the people of West Virginia friendly, consistent, and easily accessible customer service that brings a smile; the foundation of our business since day one. We take pride in putting your needs first while serving you with the utmost honesty and integrity. Protecting what matters most to you is what we are here for. Read more about us!
Get Your Insurance Quote
As an independent agency, we are here to help you find the right coverage.
Insurance Solutions We Specialize In
We specialize in a variety of coverage options to meet your unique insurance needs.
What Makes Ellis Insurance Agency Special
Here’s what sets us apart when it comes to serving your insurance needs.
We give back to our community and get involved with the charities we support.
Clients Come First
We go the extra mile to exceed your expectations, no matter what you need.
With extensive experience, we understand what it takes to bring you quality coverage.
The Advantage of an Independent Agency Working for You
What makes our independent agency different?
- We represent multiple insurance companies.
- We are licensed insurance advisors.
- We are by your side every step of the way.
- We offer a wide variety of insurance solutions.
- We are there for you in your time of need.
“I have been with Ellis Insurance Agency for about ten years, and I have always been amazed by the service that I have received. The staff will go out of their way to save you money while not doing it at the expense of coverage. More importantly though, they are there when you have a claim and need their help.”Bruce M.Personal Insurance Client
“I have been a customer for a few years, and I could not be happier. They offer great communication and friendly and knowledgeable staff. I highly recommend this agency.”Josh RenniePersonal Insurance Client
“I have received excellent service on auto and business policies. Danielle and her team are amazing at finding the coverage you need at the most affordable premium! Ellis Insurance Agency takes the work out of shopping for the right insurance! I highly recommend.”Christina DeatonBusiness Insurance Client
Real clients. Real reviews. Real coverage.
“If you are looking for coverage on the commercial side of insurance, you’ll not find a more competent, dedicated, or resourceful professional than Ellis Insurance Agency. Give them a try, you’ll be glad you did!”
– River Valley Remodeling, LLC
Our Clients Rave About Us
Check out our reviews and see why you should switch to Ellis Insurance Agency.
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Get a glimpse of the risks you face and how your insurance can protect what matters most.
Most fires are devastating. Besides the emotional impact, the physical damage to your home can be significant. If you lost your home to fire, do you have adequate insurance to replace your home and its contents? Remember, inflation rates on building materials and construction costs rarely track with real estate values. As a result, rebuilding a home can often cost significantly more than expected.
Make sure your homeowners policy contains guaranteed replacement cost coverage. This protects you if the cost to reconstruct your home is higher than your current limit of coverage. Also be sure that your insurance includes rebuilding your home to code. Very often, local ordinances and building codes change over time, which may require additional costs.
Personal Property / Contents - Property Damage
When your home suffers damage due to an unexpected event, your personal property is also at risk. Furniture, appliances, clothing, electronics, and other personal items can also be damaged or destroyed.
Your homeowners insurance policy typically covers personal property, including the contents of your home and other personal items owned by you or family members who live with you. Make sure your homeowners policy includes replacement cost coverage for personal property so that you always receive the full cost to replace whatever item is damaged.
Additional Living Expense / Loss of Use
When there is substantial damage to your home due to unexpected events such as lightning, fire, or a storm, you may not be able to live in your home until it can be repaired or rebuilt–potentially incurring additional living expenses for lodging, food, and other daily needs.
Ensure that your homeowners insurance policy provides additional living expense or loss of use coverage to compensate you for the additional costs you incur for reasonable housing and living expenses if a covered event makes your house temporarily uninhabitable while it's being repaired or rebuilt.
Jewelry, Fine Arts, and Collectables
If your diamond ring disappears or valuable artwork is stolen, your standard homeowners policy may not compensate you for the loss. Homeowners policies include coverage for your belongings and personal property, but some special items like jewelry, furs, silverware, antiques, collectibles, and other valuables have limited or no coverage and need to be insured separately.
Valuable possessions insurance covers personal property that may have unique value, cannot be replaced like regular personal property or is subject to special types of losses such as breakage or mysterious disappearance. For most valuable possession categories, there is no deductible applied at time of loss. Valuable possessions insurance can be added to your homeowners policy or may be written as a separate policy.
If a guest is injured while on your property, even when it’s due to a friendly game of baseball, you may be required to pay any medical expenses associated with their injury.
Your homeowners policy should include medical expenses coverage to take care of injuries and treatment - generally not of a serious nature. In the event a person is injured on your property and requires medical attention, you would be able to submit the injury-related medical expenses to your insurance carrier. Medical expenses are usually paid without a liability claim being filed against you.
In the unfortunate event that someone slips and falls while on your property, you and your family may be held liable for any injuries that result.
Your homeowners policy includes personal liability coverage to respond to incidents where injuries or damages occur to a third party where you may be deemed negligent. However, you should consider purchasing a personal umbrella or excess liability policy to provide additional coverage limits to protect your assets in case a lawsuit is brought against you.
The fun that comes with having a trampoline in your backyard can also be accompanied by serious risks, which may not be covered under your standard homeowners insurance policy since coverage varies from state to state and between insurance companies.
You should make sure your homeowners insurance policy covers your trampoline, as many insurance providers refuse to take on trampoline liability and exclude the item from coverage.
Young people are usually very active online. However, using social media and other sites can increase the possibility of them directly or indirectly damaging someone's reputation and exposing you, the parent, to a lawsuit.
Your homeowners insurance policy includes liability coverage for property damage caused by any member in the family, but it may not cover rumors or statements that damage a reputation. You need to add an endorsement to your policy to expand coverage to include liability protection that covers personal injury.
Umbrella / Excess Liability Coverage
You invite guests over for a pool party and one of your guests dives into the shallow end of the pool and is permanently injured. They hire a lawyer to represent them and after a long legal battle, you and your family are left financially responsible for their injuries. Do you have enough money in savings to cover your legal responsibilities as well as the legal defense costs?
An umbrella or excess liability policy increases your personal liability limits by adding protection over and above your current auto, boat, or homeowners policies-providing real financial value, as well as priceless peace of mind. Excess liability insurance is available either by an endorsement to your homeowners policy or available as separate coverage.
You do not have to live near a body of water to suffer loss due to flooding. With the changing weather patterns and more damaging storms occurring around the globe, flood losses are becoming more common in places that are not normally prone to flood damage. Your homeowners policy does not cover damage from flood. Could your home be at risk?
Purchase a flood insurance policy to protect your home and covered contents from certain types of flood losses as designated by the National Flood Insurance Program. A flood policy is purchased as a separate policy through the federal program (NFIP) or through a servicing carrier known as a write your own carrier.
Owning a secondary home has the potential of increasing your liability exposures.
Be certain that you extend the liability coverage under your homeowners policy to include your secondary home. You should also consider including the secondary home under an excess liability or umbrella policy to provide for additional liability limits.
Collector vehicles often have significant value and require specialized insurance coverage and claims handling.
Schedule your collectible vehicle on a separate collector car policy. By doing so, you are protecting the vehicle for either the appraised value or market value.
If you are a connoisseur of wine, you know that it is susceptible to outside environmental exposures that can ruin it. If the collection is damaged, coverage from your homeowners policy is a possible recourse. However, the damage is only insurable if it is a covered cause of loss as outlined in your homeowners policy. A deductible would also apply.
If you have a sizable wine collection, you may want to consider scheduling the collection on your homeowners policy. Doing so expands your coverage and eliminates the deductible in case of a loss. You can also consider unique coverages for wine, such as for spoilage.
Most homeowners policies exclude coverage for water back-up damages as a result of a clogged drain, sewer, or sump pump.
Water backup coverage can be added to most insurance policies. Consider adding it so that you have the coverage you need in the event of damages caused by a clogged drain, sewer, sump pump, and related risks.
Surprisingly, standard auto insurance does not cover personal property or contents stolen from your car.
Most homeowners policies offer an option to include off-premises theft coverage as an endorsement, which covers you for theft of your personal property away from your residence.
Home Insurance 101
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