Not a side line. It is what this office quotes most.
WV, MD, PA, OH and AZ, all from Morgantown.
Roof age, water history, what the form never asks.
What we write
What changes a homeowners premium
- Roof age and how it is settledReplacement cost or actual cash value. On a roof past ten years this single line moves the payout more than the premium gap between two quotes.
- Water that starts insideBurst pipes and appliance leaks are the most common claim on most books. Sewer and drain backup is a separate endorsement and is commonly left off by default.
- What the dwelling limit is actually set toRebuild cost, not market value and not the purchase price. Set low, a total loss does not rebuild the house.
- That every discount is onAlarms, newer roof, claims-free history, multi-policy. They stack, and a self-serve quote only catches what you think to mention.
About David Igono
David Igono is a GEICO Local Agent based in Morgantown, writing homeowners across all five states he is licensed in. One office, so every quote comes back from the same desk.
Licensed in
Experience
- Over 5 years of relevant experience
- Several years working in banking in the Morgantown area
In the community
- Chamber of Commerce
- Rotary Club of Morgantown
- Fellowship of Christian Athletes
Outside the office
- Attending WVU sports games
- History
Credentials and awards
- Best of Morgantown Insurance Agency
- Property and Casualty Insurance License
How it works
- Tell us about the houseAddress, rough age, roof, and anything unusual.
- David reviews it personallyNot an automated estimate.
- Quote back within 24 hoursBy email, coverage written out plainly.
Common questions
No. GEICO's rates either way.
Enough to rebuild, which is not the same as what you paid or what it would sell for. Getting this right matters more than almost anything else on the policy.
Yes, and it is usually the biggest single saving available.
West Virginia, Maryland, Pennsylvania, Ohio and Arizona.
Our office
Morgantown, WV 26505
Request a quote
Enough to price it properly, nothing more. We never ask for your Social Security number or your current policy number.