Renters Insurance for WV Residents

Provided by a mutual company that has been in business over 100 years!

Begin your digital experience today by obtaining a quote using any mobile device. It’s fast and easy to receive a quote and is all done online without the need to speak to anyone. Once you complete the quote you can proceed to activating your policy which will then give you access to our web portal BriteApps. From there you will be able to make payments, upload photos, contact someone if you need assistance, file a claim and request changes to your policy with 24/7/365 access to your policy and documents.

Just Answer 5 Simple Questions to Get Your Quote


Who needs Renters Insurance?

If you rent a house, an apartment, live in a dorm, or even senior living facilities, your personal property needs protection. Renters insurance helps to protect your personal belongings in the event of a covered loss. Landlords and apartment complex owners have coverage to protect their buildings. You need coverage to protect you.

What type of losses does it cover?

A covered loss depends on what happened. The list of covered perils against:

Fire or Lightning

Windstorm or Hail


Riot or Civil Commotion



Sudden and Accidental Damage from Smoke

Sinkhole Collapse

Volcanic Action



Falling Objects

Weight of Ice, Snow or Sleet

Sudden and Accidental Tearing Apart, Cracking, Burning or Bulging

Accidental Discharge or Overflow of Liquids or Stream


Sudden and Accidental Damage from Artificially Generated Electrical Currents

Personal Liability

Coverage for damages if you are deemed legally liable by law.


Why Choose Us?
It's simple, really.

At Panhandle Farmers Mutual we do not have shareholders – so that means we put the needs of our policyholders first. And that results in better service… suggesting ways to minimize risk…settling claims more fairly and quickly. No wonder more than 135 million policyholders choose mutual insurance to protect their property. Become a part of something bigger. Become a member of a mutual.


Coverage is provided by Panhandle Farmers Mutual Insurance Company. The company maintains financial strength A Rating from Demotech.

Ready to get coverage?