West Virginia DP-3 landlord checks
- Lease status, renovation plans, and vacancy periods should be stated clearly.
- Vandalism, theft, and tenant damage wording deserve a direct question.
- Named insured details matter if an LLC, trust, or partnership owns the property.
- Wind or hail wording in West Virginia can affect the deductible, roof settlement, and inspection follow-up.
- Flood should be checked separately in West Virginia; a homeowners quote normally is not a flood quote.
Landlord quote questions
| Question | Why it matters |
|---|---|
| Is DP-3 the correct dwelling form? | Landlord risks are not the same as owner-occupied HO-3 risks. |
| What occupancy did the carrier rate? | Vacancy, renovation, and short-term rental use can change eligibility. |
| Is loss of rents included? | Rental income protection is easy to assume and easy to miss. |
| Which premises hazards need documentation? | Steps, railings, pools, sidewalks, and smoke alarms can affect underwriting. |
Practical note
A West Virginia landlord quote should be reviewed beside the lease status, ownership name, and recent property photos.