“I am so thankful for the work of Infuse Insurance! Joe was able to find my family and I an amazing deal on our homeowners insurance, and our vehicle insurance at an affordable price through bundling! We were also able to add a life insurance policy into that bundle to save even more! I highly recommend Infuse!”Katey B.
“Very friendly and easy to work with.”Compass Counseling, LLC
“Bryanna Bragg is the most amazing rep I have ever dealt with. She helped me so much in a short amount of time. She was so sweet and helpful I would recommend her to anyone! Thank you so much!”Haley Angell
“Very professional place, recommend for all your insurance needs.”Todd Cottingham
“Melanie has done has been my insurance agent for many years and i wouldn't dream of going anywhere else she goes above and beyond to help you find the best price and the right plan for you.”Nathaniel Hall
“Bryanna Bragg is an excellent agent for this company goes above and beyond working after hours and weekends to give her customers top quality service. Highly recommended Bryanna Bragg.”Ronald Wyatt
“Phil, you are awesome! Always love stopping by! If you want to save money on insurance of any kind, call Phil!”Rich Todd
“I switched insurance companies about 6 months ago from State Farm to Infuse Insurance (Nationwide) and couldn't be happier! Kevin Rasmussen saved me a bunch of money and even have better coverage now. Would definitely recommend to anyone!”Jason Robinson
“Rachel Lester McDowell Co Welch WV very nice & helpful.”Shawntee Baker
“It was quick and easy I got more insurance for less than what I was paying before.”Dereck Stafford
“I messaged Kevin Rasmussen Wednesday night to see about getting a quote for a home I'm buying. I told him the place I had been with for years gave me an outrageous quote, so I was shopping. He told me he would have someone call me the next day. At just a couple minutes after 9am, Bryanna Bragg called me to get some more information. She was very polite and super professional. She then followed up with me three different times in the same day and when I had a question about something she had to check on, she told me she would find out and give me a call in the morning. Before I could get to work, she was already calling me with an answer this morning. She was able to beat my company I had been with for years by over $400 a year. I called my insurance company for a quote this past Monday and they said that they would call me in a little while with a quote. Tuesday I still had not heard from them, so I had to call again. I said that to say this, even if Bryanna had been the same or a little higher, I still would have gone with her because she exceeded my expectations with her customer service!! I will highly recommend both Kevin Rasmussen and Bryanna Bragg to everyone I can, and seeing how I sell cars, that will be a great many!!!”Jim Johnson
“Kathy Jeffords is certainly a great asset in your office!!!! She goes above and beyond in helping me with my auto and homeowner policies. She is always eager to service my policies to make sure that I am getting the coverage I need. Thank you for your excellent service.”Susan Sluss
“This is a great insurance company, very affordable rates! And, Rhonda Hampton is one of the nicest people I have ever dealt with. I seriously recommend stopping in the Bluewell location and talk to Rhonda.”Janet Willis
“Joe Wiley Great service very knowledgeable and prompt best customer service i have had in a long time!!”Travis Perkins
“Very helpful and friendly. So glad I switched to nationwide they have made sure that my insurance has went down dramatically compared to what I was paying. Thanks guys 😄”Ashley Fox
“My husband and I were so lost looking into insurance companies. What coverage is too much/little? What company has the best prices? Should we do whole life or term? So many questions and we did not know what the next step was. We met Agent Melanie Vickers; She was able to craft us several plans, thoroughly explain what each item offers, along with the price. Together we felt like we finally made the right decisions for us. I would certainly recommend her to everyone. I want to say thanks so much to Melanie Vickers for going above and beyond our expectations and going out of your way to make sure we felt secure in our choices. You are the best!”Lexi Simpson
“I recently made the switch to Nationwide provided by SCG Insurance and I am beyond happy with the transition. They gave me a great premium with excellent coverage. Thanks Joe Wiley and SCG! A+”Christopher Arbogast
“Best customer service anyone can ask for. Kathy Jeffords is especially helpful and goes that extra mile for her customers.”T Sheryl McKemy
“Have a couple of commercial policies with SCG, after having been with some other companies in the past. Awesome folks, and they put up with my frugality while keeping me covered well!”Truline General Contracting, Inc.
“SCG Insurance Inc. I had State Farm insurance for over 15 years before coming to SCG, I was never was treat with the upmost respect as SCG (Danny Gill) treated my wife and me. I explained over a phone call what I needed and within 4 Hours i had a return call back with a quote for Auto and Homeowners. My Wife and I meet with Danny at his offer a couple of days later and discuss our needs and received a better quote then before. With the great experience we had with Danny we also decided to take an additional life insurance policy out for my wife and I, which also was a bonus for our family. I definitely will refer all my friends and coworkers to SCG Insurance Inc. SCG would get a 10-star rating if it was offered. Awesome Experience.”David Rucker
Insurance throughout West Virginia and Virginia with offices in Beckley, Belle, Princeton, Bluewell, Welch and Mullens.
Smarter insurance starts with experts who think a little differently — a company which understands your industry and what’s on the line for you. At Infuse Insurance, we’ve built our business creating innovative solutions to the toughest risk management challenges.
Our clients’ financial security and quality of life deserve are of the utmost importance to us. That’s why, as your insurance advisor, we’re dedicated to helping you make smart decisions – protecting you from the unexpected and planning for the predictable.
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.