Bob Payne, Insurance Agent

Charles R Payne

Bob Payne
Principal Agent
8:30 AM - 4:30 PM 8:30 AM - 4:30 PM 8:30 AM - 4:30 PM 8:30 AM - 4:30 PM 8:30 AM - 4:30 PMClosed Today Closed Today

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Main Number
(304) 436-8383(304) 436-8383

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Get an insurance quote

(304) 436-8383(304) 436-8383
(304) 436-8385(304) 436-8385

Send Bob Payne an Email


Store Hours:

Day of the WeekHours
Mon8:30 AM - 4:30 PM
Tue8:30 AM - 4:30 PM
Wed8:30 AM - 4:30 PM
Thu8:30 AM - 4:30 PM
Fri8:30 AM - 4:30 PM
We are also open other times by appointment.

Learn about our insurance products

  • Get an auto insurance policy you can count on from Nationwide.
  • Protect your house and personal property by choosing the right insurance coverage from Nationwide.
  • Let us help you select life insurance coverage that meets your needs, your life and your budget.
  • Cover your business with commercial insurance from Nationwide.

Member support

24/7 Claims Service

About Bob Payne

Married with three children, 6 grand children, and 5 step grandchildren. I am a former school teacher and a former coal miner.
  • Bachelor's Degree, Master's Degree, Licensed in Property & Casualty, and Life & Health.
Professional Designations
Languages Spoken
  • English
Licensed In
  • WV
  • Auto
  • Life
  • Home
  • Business
Agent Qualifications
  • Our agency is a full service agency, offering Auto-Home-Life-Commercial Products.

Our Insurance Products

Welcome current clients and potential clients. All are invited to visit our agency and our Nationwide website. Send us a note or give us a call, we want to here from you.
  • Auto Insurance
    Look to the insurance provider who is there when you need them when it comes to vehicle insurance services. Charles R Payne works with Nationwide to offer members a wide variety of discounts and services. We are also available to answer any questions you may have about auto insurance plans, either over the phone or in person. Just talk [c_agentDisplayName]] to find out more.

    We make sure to thoroughly review your insurance needs before finalizing anything. It is our goal that you walk away with protection that you completely understand and can count on. We also make sure you know exactly which of our many discounts are available to you, such as those for good students or for using our ecofriendly paperless billing plan. These discounts may be applied to our many insurance protection options. We offer solutions like liability coverage and roadside assistance. Because we are located locally in Welch, we know what the specific weather and traffic conditions are like. We can walk you through the protection options for your vehicles and those specific to Welch. Have peace of mind that comes from a personalized insurance plan.

    [c_agentDisplayName]] is willing to talk to you whenever you have the time. You can call us at (304) 436-8383 or schedule an in-person appointment at 810 Stewart St. Our door is always open and your questions will always be answered.

    Get an insurance quote

  • Homeowners Insurance
    Feeling confident in your insurance policy's ability to protect what matters most is very important. Nationwide customers across the country have known for years that their chosen insurer is going to be there for them through the biggest life changes. Here at Charles R Payne, we are pleased to offer personalized insurance solutions to our valued Welch customers. This is a great time to re-evaluate your insurance needs and make sure your policies are working hard on your behalf.

    Any changes in your life may require taking a second look at insurance coverage. For instance, remodeling or renovating a home can increase its value considerably, which might mean your old home insurance policy is no longer reflective of your actual needs. Visiting with Bob Payne or another Charles R Payne team member is a great way to explore your home insurance policy options and other important coverage solutions.

    Thanks to the many coverage options made available through Nationwide, we can offer a more personalized approach to policy creation. Having home insurance tailored to your individual needs is the best way to ensure you are getting the best value. We can help evaluate your current home insurance needs and assist in determining the forms of coverage that best address your concerns. Contact Charles R Payne today by calling (304) 436-8383 or visit our offices at 810 Stewart St. We look forward to helping your insurance do more for you.

    Get an insurance quote

  • 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 Welch life insurance agent who can help you understand the types of life insurance that best suit your family’s needs.

    The agents at Charles R Payne 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 (304) 436-8383 and ask for Bob Payne or visit us at 810 Stewart St,Welch,WV,24801. 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
    Every business relies on a variety of specialized tools and equipment to operate successfully from day to day. Of all the important tools utilized by a Welch business, a good business insurance policy might be one of the hardest-working. For years, Bob Payne has been helping area business owners select the right coverage. Your policy will help make sure that everything proceeds smoothly, even if unexpected circumstances arise. After all, the people you serve are depending on you, and a policy from Charles R Payne can help make sure you don't have to worry about the unexpected.

    A business insurance policy from Nationwide can be one of your most important commercial assets. Since it provides protection against a wide range of concerns, your policy has the ability to address many different risk-related outcomes. Even the most risk-aware business manager cannot foresee every potential setback. Your policy can help your organization solve even unexpected problems. Members of the Charles R Payne team are here to help and so is Nationwide's great network of customer service providers. You can count on your insurance team to assist with the claims process and much more.

    Discover improved coverage solutions today by calling (304) 436-8383. Our agents are here to make doing business simpler and more secure. Visit our 810 Stewart St location today to begin exploring the personalized solutions we can offer.

    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 Charles R Payne also offers products in WV. Please call for information on products in those states.

About Charles R Payne

Cathy D Forrest, Insurance Agent

Cathy D Forrest Licensed Office Manager

(304) 436-8383(304) 436-8383
(304) 436-8385(304) 436-8385

Send Cathy D Forrest an Email

Tyler C Payne, Insurance Agent

Tyler C Payne Licensed Representative

(304) 436-8383(304) 436-8383
(304) 436-8385(304) 436-8385

Send Tyler C Payne an Email

Tabatha Lynne Smith, Insurance Agent

Tabatha Lynne Smith Licensed Sales & Service Representative

(304) 436-8383(304) 436-8383
(304) 436-8385(304) 436-8385

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Our agency has been serving the Welch area since September 1989 offering multiline Nationwide Insurance products. We are conveniently located at 810 Stewart Street in Welch just north of the Welch National Guard Armory. We have the largest free parking lot of any insurance agency in Welch. Our slogan is: "We offer you choices!" And we always try to give you the best value for your insurance dollar.
We give you choices. We are "On Your Side". We are centrally located in Welch which enables us to also serve the Kimball, Northfork, Keystone, War, Coalwood, Bradshaw, Iaeger, Roderfield, and Pineville areas.

Average customer rating for Charles R Payne

810 Stewart St
Welch, WV 24801