Business Details
Your Trusted Insurance Partner in Spencer, WV
Ashley Insurance Agency has served West Virginia residents for over half a century, evolving from a small Roane County operation into a trusted statewide insurance leader. As a family-owned independent agency, we prioritize personalized service by partnering with top carriers to deliver unbiased advice and customized coverage solutions for individuals and businesses. Our commitment to local communities drives our advocacy during claims processes and informs our risk assessments, while our Client Experience framework ensures clients receive direct access to agents, tailored recommendations, and proactive policy reviews. With multiple carrier options and no additional fees compared to direct purchases, we combine competitive pricing with community-focused service that keeps insurance dollars circulating locally. 
Services
Auto Insurance
Homeowners Insurance
Life Insurance
Commercial Insurance
Surety Bonds
Flood Insurance
Pet Health Insurance
Farm Insurance
Umbrella Insurance
Renters Insurance
Highlights and features
- We represent multiple top-tier insurance carriers for comprehensive options
- Our agents provide personalized service with local market expertise
- Client Experience guarantees direct access to real agents, not call centers
- Coverage recommendations are tailored to individual needs, not corporate interests
- Community investment keeps insurance dollars circulating locally
Associations and certifications
- Trusted Choice
What people say
Local agent who values my business
Saved me a ton of money
Better coverage than I've ever had
Real people who know your name
Proactive renewal check-ins
Services
Auto Insurance
We provide comprehensive auto insurance solutions for cars, motorcycles, RVs, and commercial vehicles. Our policies include liability protection, collision coverage, and uninsured motorist provisions while offering multi-policy discounts. Independent agency status allows us to compare rates across carriers like Erie, Progressive, and Geico to find optimal combinations of price and protection for West Virginia drivers.
Homeowners Insurance
Our homeowners insurance policies cover dwellings, personal property, and liability risks for primary residences and investment properties. Available coverages include dwelling protection, personal liability, and additional living expenses during repairs. We specialize in customized policies for West Virginia's unique weather patterns and property values, with options for flood insurance through Wright Flood and Neptune Flood.
Commercial Insurance
We offer tailored commercial insurance packages for West Virginia businesses, including general liability, workers' compensation, and property insurance. Our expertise covers business interruption coverage, professional liability, and industry-specific risks. We help clients create comprehensive packages that protect against operational risks while maintaining cost-effectiveness through multiple carrier options.
Surety Bonds
We provide fast, secure surety bond solutions for construction projects, court requirements, and licensing needs. Our offerings include bid bonds, performance bonds, payment bonds, and fidelity bonds. As an independent agency, we access multiple bond providers to ensure competitive rates and quick processing for contractors and business owners across West Virginia.
Life Insurance
We offer term, whole, and universal life insurance policies for personal and business needs. Our solutions include income replacement, final expense coverage, and business succession planning. We work with top carriers to provide competitive rates and flexible terms, ensuring appropriate coverage amounts that evolve with clients' changing life circumstances.
People
Suzette Raines Ashley
Principal Agent
Third-generation insurance professional leading agency operations with deep Roane County roots. Focuses on maintaining family legacy of personalized service while implementing modern insurance solutions for West Virginia clients.
Ben Ashley
Principal Agent
Family-owned agency leader combining generational insurance expertise with contemporary risk management strategies. Specializes in commercial insurance solutions and community-focused business practices.
Lura Lowe
Customer Service Agent
Licensed insurance professional handling policy administration and client support with emphasis on clear communication and timely service for personal and business policyholders.
Holly McCarty
Customer Service Representative
Insurance service specialist providing policy support and coverage explanations to help clients understand their insurance options and make informed decisions about risk protection.
Questions
How does Ashley Insurance differ from 1-800 insurance companies?
We provide local advocacy, multiple carrier options, and personalized coverage advice at no additional cost compared to direct purchases from single-brand insurers.
What insurance products do you offer?
We offer auto, home, life, commercial, flood, farm, pet health, surety bonds, and umbrella insurance from multiple top-tier carriers.
How do I file an insurance claim?
Contact your insurance carrier directly for emergency claims, or reach out to us for assistance navigating the claims process with your specific provider.
Do you serve areas outside Spencer, WV?
We serve all West Virginia communities including Charleston, Huntington, Morgantown, Parkersburg, and Wheeling with localized insurance solutions.
Can I manage my policy online?
Yes, access carrier portals through our website to manage accounts, file claims, make payments, and download ID cards for most insurance products.
How does your Client Experience promise work?
Our promise delivers Access to real agents, personalized Advice, and Advocacy during claims through our independent agency model and local community focus.
