Raley Watts O'Neill in Charleston, WV

The Raley Watts O'Neill in Charleston, West Virginia provides the following products. To learn more about each insurance product, click on the links below.

• Car Insurance

  Auto insurance is not one-size-fits-all. For some Charleston residents, it's all about state-minimums and low-as-they-go policy premiums. For others, it's about finding the right claim limits to safeguard your family's financial health. For some, the biggest question isn't even about insuring the everyday vehicle, but what sort of auto coverage is needed for their motorcycle, RV, or other specialty vehicle. With the knowledgeable and responsive experts at the Raley Watts O'Neill, we know how to customize a policy so that it meets the needs and priorities of your Charleston household.
  
  As much as we know about auto insurance, it wouldn't be enough without the products and programs available through Nationwide. Along with standard auto coverage options, we're proud to offer our Charleston customers more personalized policies. There are exclusive programs like Vanishing Deductible® and a bunch of discounts you may qualify for. Plus, if the day ever comes when you need to use it, Nationwide offers the renowned On Your Side® Claims Service and AutoWatch® so you can monitor your vehicle's repair work.
  
  Let the Raley Watts O'Neill take the stress out of buying auto insurance in Charleston. Give us a call at (301) 863-6625 to talk about your coverage or to make an appointment with our office during business hours. We're located at 3601 MacCorkle Ave SE.

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• Home Insurance

  Have you recently renovated part of your home or garage? Have you invested in new landscaping, a swimming pool, or other outdoor features? If there have been big changes made to your Charleston home or property, then it might be time to take a closer look at your current home insurance policy. The policy you bought upon originally taking ownership of your house may not provide the right kind of coverage now that major changes have taken place. Even if only small changes have been made, reviewing your home insurance policy from time to time can be a good idea. Raley Watts O'Neill has helped Charleston homeowners discover improved coverage solutions with the help of Nationwide's extensive selection of insurance products.
  
  Personalized insurance solutions are those that most closely reflect the concerns of homeowners. We work closely with our customers to better understand their individual needs. As a leader in home insurance, Raley Watts O'Neill can find a coverage solution that best fits you and your home.
  
  As a member, you'll find Nationwide's network of agents and service associates make filing a claim simple; contact an associate with questions or concerns at any time. To re-evaluate your current home insurance coverage, or to explore what other options might be available, please visit Raley Watts O'Neill at 3601 MacCorkle Ave SE. You can also reach our associates by calling (301) 863-6625. Make this year the time that you finally take charge of your insurance; we can provide the right assistance at every stage.

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• Life Insurance

  Bringing home a new baby, like many of life’s happy events, also brings on new responsibilities. New obligations can be more easily shouldered if you take steps now to plan ahead. In order to provide long-term financial security for your family, you need a Charleston life insurance agent who can help you understand the types of life insurance that best suit your family’s needs.
  
  The agents at Raley Watts O'Neill will help you safeguard your family’s future by helping you select the right life insurance. We will explain term versus permanent insurance and answer all your questions. We are here to help you assess your needs and will explain the difference between whole life insurance and universal life insurance.
  
  Our agency will help you determine the appropriate level of coverage for you and your family. There are several considerations when deciding the amount of coverage you need. Besides funeral and burial costs, you should consider current debts such as your mortgage, car loans and credit card debt.
  
  You may also want to include child care and long-term educational expenses when figuring coverage amount. Whether your family has one or two sources of income, you should think about covering lost income for a specified number of years. We will also help you determine the number of years for which you need coverage.
  
  Whether you have a new baby on the way, or you brought your baby home several months ago, now is the time to plan for life’s eventualities. Call Raley Watts O'Neill at (301) 863-6625 or visit us at 3601 MacCorkle Ave SE. We will be happy to work with you to make sure your family’s financial security is always protected.
  
  
  LAW-0245AO (05/18)

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• Business Insurance

  The business you own is something you wake up thinking about, and the issues of the day linger in your mind way past closing time. Whether your business is properly insured may be one of those issues, and if so, we'd like to help. Raley Watts O'Neill works with Nationwide to offer you insurance coverage to put your mind at ease. There are many different options, and we can combine those that are the most appropriate for your specific kind of business so that you will be covered for potential problems that are of the most concern to you.
  
  A business owner's policy, also known as a BOP, might be the perfect solution for coverage. If you have fewer than 100 employees and less than $5 million in annual sales plus property or equipment you want to protect, a BOP is worth exploring. To begin with, you'll be covered for property damage and general liability. It might be wise to add crime insurance to protect your business against fraud or theft, and equipment breakdown insurance which covers mechanical and electrical equipment as well as your computers. Speaking of computers, you might also want to add cyber liability insurance, which is great to have if someone hacks your computers and your electronic data is compromised.
  
  We know how hard you work to keep your customers happy and your company running on an even keel. When you're ready to talk about insurance protection, just give Raley Watts O'Neill a call at (301) 863-6625, or stop by our 3601 MacCorkle Ave SE office in Charleston. Having comprehensive coverage for your business will mean one less thing you have to think about when you wake up in the morning.
  
  Nationwide offers small business resources to help you strengthen your business, such as financial calculators and information and articles on marketing and cash flow management. Learn more at the Business Solutions Center.

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The Raley Watts O'Neill also offers products in AL, AZ, AR, CA, CO, CT, DE, DC, FL, GA, ID, IL, IN, IA, KS, LA, ME, MD, MA, MI, MN, MS, MO, MT, NE, NV, NH, NM, NY, NC, ND, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VA, WA, WV, WI, WY, KY, NJ. Please call for information on products in those states.