About Our Insurance Agency
Established in 2007, Kiger Insurance Agency is a local independent agency offering our clients personal and business insurance with specialties in home insurance, auto insurance, renters insurance, farm insurance, dealership insurance, brewery insurance, restaurant insurance and business owners insurance.
John Kiger serves as the Principal and Financial Advisor in Kiger Insurance Agency and Zachary Kiger serves as lead agent. We pride ourselves on being your local, full service agency, providing insurance solutions in Parkersburg, WV, Vienna, WV, Marietta, OH and Belpre, OH.
Being independent means that we are not held to offering just one quote. We write many lines of coverage through a number of our preferred carriers. We meet with our clients, discuss their specific needs and work closely with the many companies we represent to find the right policy for them.
We believe our clients deserve the utmost dedication, expert advice and personal attention from a trusted partner. As that partner, we’ll help you make smart decisions—protecting you from the unexpected and planning for the predictable.
Unpredictable losses can occur to your property due to burglary, fire, water damage, storm and more.
Personal property, such as furniture, rugs, TVs, stereos, clothes and more may be covered under your basic insurance policy. However, items like jewelry, furs, silverware, antiques, collectibles and other valuables should likely be insured separately.
Limits and Exclusions
Some types of personal property are subject to limits of coverage under renters insurance policies. These limits vary by the type of property and by what caused the loss or damage. For example, jewelry, bicycles and collectible cards or coins may have limited coverage or may not be covered.
Obtain a floater. A floater is coverage that specifies the item(s) covered under the policy, the limits of coverage applicable and the deductible. This is the best solution to make sure your favorite valuable item(s) are covered in the event of a loss.
Additional Living Expense
If the building you live in has a loss from a covered peril under your renters insurance policy that makes your apartment or home uninhabitable, you will need to find somewhere else to live while the repairs are undertaken. This can be expensive and inconvenient.
Be sure your insurance policy includes additional living expense coverage. If you need to move out and rent another location, this coverage provides for the increase in living expenses – such as moving costs, increased food costs and other expenses.
You are responsible if you or a guest in your unit trips and falls or sustains an injury while on your property.
Be sure that you have adequate liability insurance to protect for claims made against you for bodily injury or property damage – such as a slip and fall or other allegation. Liability coverage also provides protection should you become legally liable for unintentional bodily injury or property damage anywhere in the world.
You're responsible if a guest is injured while on your property and you may be required to pay their medical expenses.
Ensure your insurance policy covers this risk. In the event a person is injured in your unit, he or she can submit medical bills to your insurance company. Medical expenses are usually paid without a liability claim being filed against you, with typical limits ranging from $1,000 to $5,000.
You may not be able to rent the apartment or home if your landlord or property manager requires renters insurance and you do not have it.
Having a renters insurance policy allows you to provide a certificate of insurance to the landlord or property manager showing that you have the coverage required to rent the apartment or home.
Improvements or Betterments
Any improvements or betterments that you have made to your unit are subject to damage.
Be sure to obtain coverage for improvements or betterments that you have installed in your apartment or home.
Contents Away from Home
You may take your valuable property outside of your unit. For example, what happens if your laptop or golf clubs get damaged or stolen while traveling?
Be sure to add off premise theft coverage to your policy to cover your personal property while your belongings are away from your home. Auto insurance does not usually cover personal property stolen from your car.
You may be responsible for damage to your apartment or dwelling should you, for example, have a leaking sink or accidentally start a fire.
Be sure your policy has liability coverage that includes tenants legal liability or premises liability. Your landlord may require that you to have this type of insurance protection in place as a requirement before renting the property to you.
THANK YOU ZAK! The Reynolds family greatly appreciates how fast and efficient you work. You have made it easy to communicate during some of the biggest decisions in our lives! From new cars to new homes, this guy makes insurance easy!B. Reynolds
OUTSTANDING SERVICE!! Zak and his staff have always been extremely helpful and quick to help us out. Zak is very professional and cares about his policy holders as well as having AWESOME rates.R. Reynolds
I had Kiger Insurance for years, and the only reason I don't now is because I moved out of state. Zak was always helpful, prompt and got me the best coverage for the most reasonable price. You are more than a number to his agency - and you don't get that at many places! If you are looking for an agent, Zak is the best in the MOV! Thanks for all of your help over the years, Kiger Insurance!R. Orn
I have been with Kiger Insurance for over three years now and they have offered the best customer service and lowest prices that I have ever received with any agent. Went over the top a few times to gather and submit documents needed to keep my policy current and priced right, deliverables most agencies would make the customer do on their own. I was impressed! Keep up the great work Kiger Insurance Agency!R. Propst
We're in Texas and needed some coverage on a property in WV. Zak went out and took pictures, quoted the risk and issued the policy all in about 5 hours from start to finish. Excellent work.K. Bean
We've received nothing but great service from working with Kiger Insurance. Thank you!J. Carpenter
Zak is great! Really appreciate his help setting up our new policies. Would recommend Kiger Insurance to everyone.C. Shields
Always helping me when I definitely need it! Knowledgeable and friendly.J. Stephens
Kiger Insurance is the best! Zak is always professional and courteous! Takes his time to find you the best quote and follows up with outstanding customer service.B. Bailey