Ken Rozich Insurance Agency, LLC

Experience. Service. Commitment.

At Ken Rozich Insurance Agency, LLC, we strive to provide our clients with the best personal service at the best possible price.  

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About Ken Rozich Insurance Agency, LLC

Ken Rozich Insurance Agency, LLC offers personal insurance, business insurance and life insurance.

Established in 2001 in Charles Town, West Virginia, the Ken Rozich Insurance Agency is located in the beautiful northern Shenandoah Valley. We are an independent insurance agency that represents Erie Insurance Group and specializes in personal, home, auto, life and business insurance.  

Principal Agent, Ken Rozich, has over 25 years of insurance experience and collectively he and the team have more than 50 years of experience and serve over 3,500 customers. We strive to provide each and every one of our clients with the best personal service at the best possible price.

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Our Erie Partnership

We offer Erie Insurance coverage at competitive rates.

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Charles Town, WV

113 West Liberty Street, Suite 203
Charles Town, WV 25414

Providing insurance throughout West Virginia in Jefferson, Berkeley and Morgan County. Also, in Frederick, MD and throughout Northern Virginia and Maryland.

There’s more to insurance than the price of the policy

Explore our interactive graphics and learn about your unique risks and the related insurance solutions.

Personal InsuranceBusiness InsuranceLife Insurance
Bodily Injury Liability Coverage
Risk Factor

It’s easy to get distracted while driving. All it takes is an incoming text message, a fussy baby, or changing the radio station and your eyes are off the road long enough to crash into the slowing vehicle in front of you. As an owner/operator of the vehicle, you may be held financially responsible for any bodily injuries caused as a result of the accident.


Bodily injury liability covers your legal liability for a covered accident that involves injury to another person, up to the limit of liability you select. Purchase enough coverage to protect your assets should a claim be brought against you or if you are sued. You should also consider purchasing an excess liability policy which may provide additional limits of liability.

Property Damage Coverage
Risk Factor

When involved in an auto accident, you and your family may be financially responsible for any damage caused by your vehicle to someone else's property. The amount required, if any, can vary by state.


The property damage portion of your auto insurance policy protects you if your car damages someone else's property, such as another car, a fence, or a building. In some instances, you may be able to choose your coverage limit, or it may be a standard amount dictated by the insurer or local laws.

Medical Payments Coverage and Personal Injury Protection
Risk Factor

Depending on the severity of the injuries suffered in an automobile accident, whether caused by you or by the other vehicle, it's not uncommon for healthcare costs to run into the thousands of dollars, with a large portion being out-of-pocket expenses not covered by your health plan.


Medical payments coverage or Personal Injury Protection, depending on where you live, can help cover some medical expenses and funeral expenses of covered drivers and passengers after an accident. The exact requirements, limits, and coverage can vary by state, so it's important to understand what's required where you live.

Uninsured / Underinsured Motorist Damage Coverage
Risk Factor

What happens when the driver who hit you doesn't have enough liability coverage? Or, even worse, they take off? Research has shown that this happens more than you might expect. If you’re in a collision with someone who is uninsured or underinsured, you can be left to pay out-of-pocket for damages and medical expenses not covered by the other driver.


Uninsured/underinsured motorist damage coverage may compensate you for bodily injury and lost wages caused by an uninsured motorist, a hit-and-run driver, a driver whose automobile insurance company is insolvent, or a driver who has not purchased enough coverage to pay for damages.

Physical Damage Coverage
Risk Factor

Your automobile can be a fairly costly investment – one that is exposed to many potential losses caused by weather related events, theft, and other circumstances that may be out of your control.


Physical damage coverage can protect your vehicle if it is damaged in an accident (collision coverage), is damaged by something other than a collision (comprehensive coverage) with a vehicle or object or if your vehicle is stolen. This coverage is optional if your vehicle is paid in full, but it is coverage you should consider if you want to fully protect your vehicle.

Rental Coverage / Loss of Use
Risk Factor

When your vehicle is being repaired or replaced due to a covered loss, you may have to rent a vehicle to get you to and from your daily responsibilities without any interruption. Vehicle rental can get expensive, especially over an extended period of time.


Rental coverage/ loss of use is an inexpensive option you can add to your auto insurance policy to pay for the cost to rent a temporary replacement vehicle or the cost of public or private transportation if your vehicle is ever in an accident. This coverage is available in a variety of daily limits.

Our Stats and Facts

We were established in 2001 in Charles Town, West Virginia.

We are located in the beautiful northern Shenandoah Valley.

We represent Erie Insurance Group and specialize in personal car, home, life and business insurance.

Principal Agent Ken Rozich has over 25 years of insurance experience.

The team at Rozich Insurance Agency collectively has more than 50 years of experience and serve over 3,500 customers.

We can be found on West Liberty street--one block from the Jefferson County Courthouse.

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