Business Details
At Waters Insurance Agency, we understand the importance of family because it is our foundation. Locally owned and operated for nearly 60 years, we are equipped to provide you with the type of service you deserve. We look out for you and your interests and you will experience it in our personalized approach. Waters Insurance Agency is the founding entity of Fanta Insurance, Inc., which comprises Waters Insurance Agency, Landfried-Fanta Insurance Agency and Fleming Insurance Agency.
Together, the three entities serve the Mid-Ohio Valley as well as customers throughout West Virginia and surrounding states. The name Waters has a long-standing association with the area's insurance industry, beginning with William Waters. In the 1940s, William served as vice president of Westfield Insurance Company, previously known as Ohio Farmers and a present-day leading carrier.
In 1964, William's son, Robert, founded Waters Insurance Agency in Parkersburg. In 1987, he sold the agency to his son-in-law, Ray Fanta, and daughter Elizabeth Fanta.
Together, the three entities serve the Mid-Ohio Valley as well as customers throughout West Virginia and surrounding states. The name Waters has a long-standing association with the area's insurance industry, beginning with William Waters. In the 1940s, William served as vice president of Westfield Insurance Company, previously known as Ohio Farmers and a present-day leading carrier.
In 1964, William's son, Robert, founded Waters Insurance Agency in Parkersburg. In 1987, he sold the agency to his son-in-law, Ray Fanta, and daughter Elizabeth Fanta.
Services
Start a Quote
We love to see our customers in person and work with them, one-on-one, so we can get to know each other and build a relationship.
However, we understand that it's not always feasible to visit our office during business hours.
Your information will be kept confidential.
Someone from our office will be in touch with you within two business days regarding your request.
Please note: Insurance coverage will not be bound by filling out the information below.
Coverage will not be in effect until you receive confirmation from us that a policy has been issued.
However, we understand that it's not always feasible to visit our office during business hours.
Your information will be kept confidential.
Someone from our office will be in touch with you within two business days regarding your request.
Please note: Insurance coverage will not be bound by filling out the information below.
Coverage will not be in effect until you receive confirmation from us that a policy has been issued.
Auto
According to the National Highway Traffic Administration, 5.25 million driving accidents take place per year.
To properly protect yourself from the always present danger of an auto accident and the bodily and liability damages that typically follow, it is imperative you maintain proper levels of coverage for your particular situation.
If you have any doubts about the appropriate level of automobile coverage that's right for you, we have excellent plans available from the nation's leading auto carriers, and we will be happy to help pinpoint the coverages best suited to your needs.
To properly protect yourself from the always present danger of an auto accident and the bodily and liability damages that typically follow, it is imperative you maintain proper levels of coverage for your particular situation.
If you have any doubts about the appropriate level of automobile coverage that's right for you, we have excellent plans available from the nation's leading auto carriers, and we will be happy to help pinpoint the coverages best suited to your needs.
Flood
Living on or near the Ohio River or another body of water comes with many enjoyable benefits.
The river, lake or salt life is a relaxing one; however, many people balk at the thought of flood insurance when looking for a new home or property.
At Waters Insurance that does not need to be a roadblock.
Waters Insurance Agency offers insurance products through the private market.
These policy premiums are much lower than the National Flood Program.
We represent not one - but seven private flood carriers for residential properties and six carriers for commercial properties.
The river, lake or salt life is a relaxing one; however, many people balk at the thought of flood insurance when looking for a new home or property.
At Waters Insurance that does not need to be a roadblock.
Waters Insurance Agency offers insurance products through the private market.
These policy premiums are much lower than the National Flood Program.
We represent not one - but seven private flood carriers for residential properties and six carriers for commercial properties.
Homeowners & Renters
The biggest investment most people will ever make is in their home.
That's why it makes sense to protect the sizable financial investment you've made in your own home with a comprehensive homeowners plan.
Your home purchase is an investment deserving the protection that only an experienced insurance professional can provide.
Owning your own home may be a short-term or long-term goal of yours.
In the meantime, it is important to protect the personal property you have acquired in order to keep your future as secure as possible.
That's why it makes sense to protect the sizable financial investment you've made in your own home with a comprehensive homeowners plan.
Your home purchase is an investment deserving the protection that only an experienced insurance professional can provide.
Owning your own home may be a short-term or long-term goal of yours.
In the meantime, it is important to protect the personal property you have acquired in order to keep your future as secure as possible.
Recreational Vehicles
Protection for recreational riding or boating is more than just a helmet or a lifejacket.
You need to protect yourself and your motorcycle, boat or ATV from the dangers that you face on the road, off-road or water including accidents, theft and injury.
Whether you're a novice or a pro, cover yourself with one of our comprehensive plans before you hit the great outdoors.
You need to protect yourself and your motorcycle, boat or ATV from the dangers that you face on the road, off-road or water including accidents, theft and injury.
Whether you're a novice or a pro, cover yourself with one of our comprehensive plans before you hit the great outdoors.
Umbrella
You have researched and obtained the best coverage options and policies to protect your home, auto, property and personal liability.
You certainly feel covered.
However, with soaring medical and liability costs sometimes extra coverage may be needed to best protect you and your family.
With personal umbrella insurance, you can add an extra layer of protection to avoid financial disaster in the event of a large claim against you.
Our flexible and affordable options for personal umbrella insurance can protect the savings you've worked so hard to build.
You certainly feel covered.
However, with soaring medical and liability costs sometimes extra coverage may be needed to best protect you and your family.
With personal umbrella insurance, you can add an extra layer of protection to avoid financial disaster in the event of a large claim against you.
Our flexible and affordable options for personal umbrella insurance can protect the savings you've worked so hard to build.
Commercial & Business Owners
As a multi-generational, locally-owned business, we understand what it takes to build and protect a sustaining business.
Your valuable business assets and professional reputation are a result of your hard work, expertise and foresight.
Let us help you protect it.
Waters Insurance Agency offers insurance policies tailored to your line of business.
Whether you are a small business or a large corporation, we represent several commercial insurance carriers that offer comprehensive insurance products to fit your needs.
Your valuable business assets and professional reputation are a result of your hard work, expertise and foresight.
Let us help you protect it.
Waters Insurance Agency offers insurance policies tailored to your line of business.
Whether you are a small business or a large corporation, we represent several commercial insurance carriers that offer comprehensive insurance products to fit your needs.
Commercial Auto Insurance
For larger businesses with vehicle fleets, commercial insurance coverage is a high priority necessity, but often we find smaller businesses do not realize the need and benefit of a commercial auto policy.
A commercial auto policy protects vehicles that are owned, leased, hired or borrowed by your business, but if you use your personal vehicle for business use your personal auto insurance policy may not provide coverage when used for business use.
A commercial auto policy has similar coverage as a personal auto policy, with coverage for bodily injury, property damage and medical payments, as well as collision and comprehensive coverage, but often includes higher limits as businesses tend to need increased financial protection.
A commercial auto policy protects vehicles that are owned, leased, hired or borrowed by your business, but if you use your personal vehicle for business use your personal auto insurance policy may not provide coverage when used for business use.
A commercial auto policy has similar coverage as a personal auto policy, with coverage for bodily injury, property damage and medical payments, as well as collision and comprehensive coverage, but often includes higher limits as businesses tend to need increased financial protection.
Commercial Umbrella Insurance
Commercial umbrella insurance is designed to supplement existing insurance policies, giving you an additional layer of protection for your business.
Most business insurance policies - whether they cover commercial liability or commercial auto - have a payout limit.
Normally, your business would be on the hook for any expenses above and beyond this limit.
This type of unexpected cost is something that could threaten the very survival of your business.
A commercial umbrella policy kicks in only if your main business insurance policy reaches the payout limit.
Most business insurance policies - whether they cover commercial liability or commercial auto - have a payout limit.
Normally, your business would be on the hook for any expenses above and beyond this limit.
This type of unexpected cost is something that could threaten the very survival of your business.
A commercial umbrella policy kicks in only if your main business insurance policy reaches the payout limit.
Workers' Compensation
In addition to providing a safe workplace, employers are required to purchase Workers' Compensation insurance for their employees.
Workers' Compensation is an insurance coverage that helps protect businesses and their employees from the resulting financial losses when a worker is injured or contracts an illness on the job.
It helps cover the costs of the sick or injured employee's lost wages and medical expenses.
An agent can provide you with complete details on Workers' Compensation Insurance and recommend cost-effective ways to control expenses through safety engineering and claim services.
Workers' Compensation is an insurance coverage that helps protect businesses and their employees from the resulting financial losses when a worker is injured or contracts an illness on the job.
It helps cover the costs of the sick or injured employee's lost wages and medical expenses.
An agent can provide you with complete details on Workers' Compensation Insurance and recommend cost-effective ways to control expenses through safety engineering and claim services.
Life and Health
Life insurance is a crucial step in planning for your future and your family's future.
It can fulfill promises and obligations to your family if you are no longer living.
The death benefit is income-tax free and can be used to cover funeral expenses, repay debt, provide education, pay estate taxes or any other expenses your survivors may incur.
Life insurance may also be used to help ensure that a family business will pass to your intended survivor.
There are also benefits to certain types of life insurance plans during your lifetime.
It can fulfill promises and obligations to your family if you are no longer living.
The death benefit is income-tax free and can be used to cover funeral expenses, repay debt, provide education, pay estate taxes or any other expenses your survivors may incur.
Life insurance may also be used to help ensure that a family business will pass to your intended survivor.
There are also benefits to certain types of life insurance plans during your lifetime.
