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Best homeowners insurance companies in West Virginia for 2024

Amelia Buckley is an insurance editor for Bankrate, covering auto, home and life insurance. She emphasizes creating informative, engaging and nuanced content to support readers in making personalized insurance decisions with confidence.

Amelia Buckley is an insurance editor for Bankrate, covering auto, home and life insurance. She emphasizes creating informative, engaging and nuanced content to support readers in making personalized insurance decisions with confidence.

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Bankrate's insurance editorial team, which includes licensed property and casualty agents, took a close look at the West Virginia home insurance market to find the best options for residents of the Mountain State. We looked at average rates, third-party rankings for customer service and financial stability and more to discover the best homeowners insurance in West Virginia.

West Virginia residents pay an average of $1,328 per year for $300,000 of dwelling coverage. This is below the national average of $2,151. Your rate is likely to differ since it is based on factors that are unique to you, including your credit history and your home's age and condition.

Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in states where it is licensed. Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.

This content is powered by HomeInsurance.com, a licensed insurance producer (NPN: 8781838) and a corporate affiliate of Bankrate.com. HomeInsurance.com LLC services are only available in states where it is licensed and insurance coverage through HomeInsurance.com may not be available in all states. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.

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Compare the best homeowners insurance companies in West Virginia

Based on data provided by Quadrant Information Services, the average West Virginia homeowners insurance policy costs $1,328 per year for $300,000 in dwelling coverage, which works out to about $111 a month. Several of our chosen companies offer average rates that are below the state average, and they may be good choices for homeowners who are hoping to save money on their policy.

Cost is only one consideration when looking for the best homeowners insurance. We also looked at each company's customer satisfaction ranking in the 2023 J.D. Power Home Insurance Study as well as AM Best ratings, which measures financial strength. We then looked at the breadth of coverage options and discounts available, and analyzed each company's digital experience. Based on this data, each company earned a Bankrate Score on a scale from zero to five.

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Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in states where it is licensed. Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.

Bankrate's trusted insurance industry expertise

The home insurance market can be complicated, but Bankrate's insurance editorial team used our unique perspective to bring readers information they need to make educated decisions when shopping for home insurance.

46

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122

carriers reviewed

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ZIP codes examined

1.2M

quotes analyzed

The top 5 home insurance companies in West Virginia

Best for military-focused coverage

4.7

4.7

Avg. premium for $300K dwelling

$57/mo

Avg. premium for $300K dwelling

$681/yr

Customer satisfaction

881/1,000

Why USAA made our list: USAA could be one of the best home insurance options available if you are a military member, veteran or qualifying family member. The provider earns the highest customer satisfaction score in the J.D. Power study, although it is not eligible for official ranking due to its membership restrictions. USAA offers a few optional coverage types, including home sharing coverage, which may be helpful if you rent your home temporarily while you are deployed or in training.

Who USAA may be good for: If you are stationed at the National Vessel Documentation Center or Operations Systems Center, consider asking for a quote from USAA. The company's coverage focuses on military personnel, with included coverage for your uniforms.

CheckmarkPros

Close XCons

USAA homeowners insurance includes coverage for military uniforms that are damaged while on active or reserve duty. The company also allows you to add:

Best for local agents

4.4

4.4

Avg. premium for $300K dwelling

$114/mo

Avg. premium for $300K dwelling

$1,364/yr

Customer satisfaction

856/1,000

Why Erie made our list: Erie may not be the most recognizable company on our list since it only offers coverage in 12 states, but it has a positive reputation for its competitive rates and exceptional customer service. In fact, Erie has the highest official J.D. Power score on our list. The company has 13,000 agents throughout the states in which it operates, including local agents in most West Virginia cities and towns, providing personalized, local service.

Who Erie may be good for: If you like doing your business with a live, in-person agent who understands the needs of homeowners in your community, consider Erie. You are likely to find an agent nearby, and can develop a personal relationship with them over the years while you do business with the company.

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Although Erie’s standard insurance policies often include coverage that’s considered optional with other providers, homeowners can also add endorsements like:

Best for high-value homes

4.3

4.3

Avg. premium for $300K dwelling

$172/mo

Avg. premium for $300K dwelling

$2,063/yr

Customer satisfaction

812/1,000

Why Nationwide made our list: Nationwide offers the usual range of standard coverage types in its HO-3 policies, but also offers extras. Certain coverage options may be suited for those with higher-value homes, including Valuables Plus, which offers additional protection to high-value items such as antiques, art and jewelry, and dwelling replacement cost, which will pay up to two times your dwelling coverage limit if your home needs to be rebuilt after a loss.

Who Nationwide may be good for: Those who are interested in more robust home insurance and don't mind paying a bit more for that coverage may want to look at Nationwide. Although its average rate for West Virginia home insurance is higher than some competitors', it features some standout coverage options that may be appealing to some homeowners.

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Many West Virginia homeowners may find that Nationwide’s standard home insurance policies provide all the coverage they need. However, those looking for specialized products can add endorsements like:

Best for low average rates

4.2

4.2

Avg. premium for $300K dwelling

$89/mo

Avg. premium for $300K dwelling

$1,068/yr

Customer satisfaction

809/1,000

Why Allstate made our list: Allstate tied with USAA in the 2024 Bankrate Awards for Best Home Insurance company Overall. It also earned an award for Best for Bundling Home and Auto Insurance. Allstate offers West Virginia homeowners insurance at below-average rates. Plus, you might be able to lower your premium with Allstate discounts, including savings for new homebuyers, responsible payers and loyal customers.

Who Allstate may be good for: For young homeowners who've recently paid the down payment on their first house, Allstate's low rates may be particularly appealing. The company may also be worthy of consideration for anyone primarily concerned with affordability.

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If you’re looking to personalize your coverage with Allstate, you here are some of your options:

Best for digital tools

4.2

4.2

Avg. premium for $300K dwelling

$106/mo

Avg. premium for $300K dwelling

$1,269/yr

Customer satisfaction

829/1,000

Why State Farm made our list: As the largest property and casualty insurer in the nation, State Farm has strong brand name recognition — and for good reason. State Farm makes it easy for policyholders to manage their accounts, whether they wish to do so online or with a local agent. The company has nearly 100 offices in West Virginia, so you are likely to find a local agent near you. But State Farm also excels as far as its digital tools go, offering a highly-rated mobile app and state-of-the-art website that includes an excellent blog, called Simple Insights, that can help you understand more about your policy. You can file a claim, pay your bill and access your insurance documents easily with the company's app, which is available for both iPhone and Android devices.

Who State Farm may be good for: If you like having a streamlined, digital method of managing your insurance policy, consider State Farm. You can easily handle almost all tasks related to your account with just a few minutes online.

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State Farm does not advertise as many endorsement options as some competitors, but you may be able to add:

Additional West Virginia home insurance companies to consider

Liberty Mutual

Who this may be best for

Homeowners looking for digital management and robust policy options

Although the company ranked below average in the 2023 J.D. Power Home Insurance Study, homeowners shopping for extensive coverage may want to give Liberty Mutual a look. In addition to standard coverage types, the carrier offers inflation protection, blanket jewelry coverage and replacement cost coverage for personal property.

How Bankrate chose the best home insurance companies in West Virginia

Bankrate's insurance editorial team did extensive research on the state of homeowners insurance in West Virginia before determining the best insurers in the state. Selections for this list were made based on multiple characteristics, from average rates to financial strength to digital accessibility. All major insurers working in the state were assigned a Bankrate Score to help West Virginia homeowners more efficiently evaluate their offerings and determine which company is best for their needs.

Cheapest home insurance companies in West Virginia

Before you begin requesting insurance quotes, it can help to know which providers consistently write some of the most affordable policies in the state. The following table breaks down the cheapest insurance companies in West Virginia:

To find the cheapest companies in West Virginia, Bankrate analyzed average rates from large and small companies writing home policies in the state. These rates were cross referenced with quality metrics like customer service, financial strength and coverage options to ensure that all the carriers featured don't sacrifice quality for the sake of price.

To find the cheapest companies in West Virginia, Bankrate analyzed average rates from large and small companies writing home policies in the state. These rates were cross referenced with quality metrics like customer service, financial strength and coverage options to ensure that all the carriers featured don't sacrifice quality for the sake of price.

How to get cheap home insurance in West Virginia

No one wants to pay more for homeowners insurance than they have to, but you do want to get the best coverage possible, whatever rate you pay. Here are some strategies that you can try that may help bring your rate down.

Don't stop after you request your first home insurance quote. Instead, check with several companies, especially those that are known for providing the cheapest rates for homeowners insurance. You are likely to receive a range of premiums and can choose the most competitive one on the list.

Don't stop after you request your first home insurance quote. Instead, check with several companies, especially those that are known for providing the cheapest rates for homeowners insurance. You are likely to receive a range of premiums and can choose the most competitive one on the list.

Though it might be surprising, your credit history can impact the amount you pay for home insurance in West Virginia. If you have poor credit, you’ll usually pay a higher premium because data shows that those with bad credit tend to file more insurance claims. Working to pay off debt or improving your credit in other ways may help lower your premiums.

Though it might be surprising, your credit history can impact the amount you pay for home insurance in West Virginia. If you have poor credit, you’ll usually pay a higher premium because data shows that those with bad credit tend to file more insurance claims. Working to pay off debt or improving your credit in other ways may help lower your premiums.

Roof damage can lead to costly claims, which is why your insurer will want to know how old your roof is before giving you a quote. Keep your roof well maintained, and if you have it replaced, let your insurer know, since this may lead to a small drop in your premium.

Roof damage can lead to costly claims, which is why your insurer will want to know how old your roof is before giving you a quote. Keep your roof well maintained, and if you have it replaced, let your insurer know, since this may lead to a small drop in your premium.

Most insurance companies offer a variety of discount opportunities that can make your home insurance cheaper. Things like installing burglar alarms or buying a fire extinguisher can help lower your rates. Bundling your policies can also help you save and may make policy management easier overall.

Most insurance companies offer a variety of discount opportunities that can make your home insurance cheaper. Things like installing burglar alarms or buying a fire extinguisher can help lower your rates. Bundling your policies can also help you save and may make policy management easier overall.

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Best home insurance discounts in West Virginia

Applying home insurance discounts is one of the easiest ways to achieve a lower premium. Most insurers offer at least a few, and many are easy to earn. Here are some common options:

How to save on home insurance policy renewals in West Virginia

If you already have a home insurance policy in force and like the company you work with, the following strategies could save you money without switching carriers. Note that in many areas, home insurance premiums are on the rise. While it's rare to see your premiums decrease these days, even stabilizing your rates could be a win for your budget.

How much is home insurance in West Virginia?

West Virginia homeowners pay an average of $1,328 per year for $300,000 in dwelling coverage, which is 21 percent lower than the national average of $2,151 per year. Compared to neighboring states, the average rate in Virginia is $1,391 per year. Homeowners in Ohio pay an average of $1,460 per year and Kentucky’s average premium is $2,603 annually for the same levels of coverage.

West Virginia enjoys lower-than-average homeowners insurance rates, although the state does experience weather events such as lightning, wind, hail and freezing temperatures. These severe weather events highlight the importance of having a homeowners insurance policy tailored to your needs.

West Virginia homeowners insurance rates by city

Your ZIP code plays a role in determining what you will pay for home insurance in West Virginia. Your insurer is likely to charge you a lower rate if you live in an area where there are not as many claims made. So, for example, if your ZIP code is in a low-crime neighborhood, where thefts are not likely, your premium will likely reflect the lower risk level by being less expensive. Here are some of the cheapest areas for homeowners insurance in West Virginia, on average:

Conversely, if your ZIP code is in a high-crime area or a region where there are frequent storms or other natural disasters, your rate may be higher, because your insurer needs to compensate for the increased number of claims coming from your neighborhood.

What does home insurance cover in West Virginia?

Being aware of what your standard HO-3 insurance policy covers can help you determine if you have the coverage you need. Most policies cover property damage caused by severe weather like snowstorms, windstorms or heavy rainfall. Here are a few other common perils that are covered by a standard home policy:

Additional home insurance coverage types in West Virginia

Unfortunately, some causes of loss are not covered by a standard home policy. Here are some endorsements and standalone policy options you may want to consider for more robust coverage:

Working with a licensed West Virginia insurance agent might be helpful. An agent can listen to your specific situation and help you choose coverage that is right for you, your area and your budget.

Related content:

How to buy flood insurance coverage Previously Read

What is earthquake insurance? Previously Read

What is a homeowners insurance deductible? Previously Read

Common West Virginia home insurance problems

Although the insurance industry has seen a rocky few years, most homeowners in West Virginia haven’t been affected by industry decisions to pause or stop writing policies in their state. However, you might face some of the following challenges based on your home insurance needs:

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Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in states where it is licensed. Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.

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Frequently asked questions

Do I need home insurance in West Virginia?

In West Virginia, home insurance is not legally required, but you'll likely be required to purchase a policy by your mortgage lender. Your home is your most valuable asset and insurance is a way to financially protect it if catastrophic damage occurs. Even if you own your home outright, most insurance experts advise having a policy in place as the cost of premiums is nearly always less than the cost to rebuild or repair your home following substantial damage.

In West Virginia, home insurance is not legally required, but you'll likely be required to purchase a policy by your mortgage lender. Your home is your most valuable asset and insurance is a way to financially protect it if catastrophic damage occurs. Even if you own your home outright, most insurance experts advise having a policy in place as the cost of premiums is nearly always less than the cost to rebuild or repair your home following substantial damage.

What is the cheapest homeowners insurance in West Virginia?

The cheapest home insurance for you will depend on your individual rating factors. Your policy cost depends on a variety of factors such as the age of your dwelling, where you live in the state and how much coverage you require. Getting quotes from several companies for the same coverage can be a good way to find the coverage you need at a lower price.

The cheapest home insurance for you will depend on your individual rating factors. Your policy cost depends on a variety of factors such as the age of your dwelling, where you live in the state and how much coverage you require. Getting quotes from several companies for the same coverage can be a good way to find the coverage you need at a lower price.

How do I get homeowners insurance in West Virginia?

You can visit a carrier’s website to begin the quoting process or you might need to call a company or visit a local agency. You will need some information about your home, like the year it was built, how old the roof is and any information about updates or custom features. Once you have decided to buy a policy from a company, you will need to sign an application and make a payment.

You can visit a carrier’s website to begin the quoting process or you might need to call a company or visit a local agency. You will need some information about your home, like the year it was built, how old the roof is and any information about updates or custom features. Once you have decided to buy a policy from a company, you will need to sign an application and make a payment.

Landslides and other ground movement are typically not covered by standard homeowners insurance. It is important to understand that these are all separate perils, although they can be similar in nature. Landslides happen when the ground is destabilized and shifts. Landslides are considered “earth movement,” which is excluded by standard homeowners insurance policies, but may be covered by purchasing a type of policy called "difference in conditions" (DIC). Mudflows are essentially a flowing river of mixed earth and water, and may be covered by flood insurance or by a DIC policy. Mudslides, on the other hand, happen when earth and rock shift downhill due to gravity and are not generally covered by any insurance policy.

Landslides and other ground movement are typically not covered by standard homeowners insurance. It is important to understand that these are all separate perils, although they can be similar in nature. Landslides happen when the ground is destabilized and shifts. Landslides are considered “earth movement,” which is excluded by standard homeowners insurance policies, but may be covered by purchasing a type of policy called "difference in conditions" (DIC). Mudflows are essentially a flowing river of mixed earth and water, and may be covered by flood insurance or by a DIC policy. Mudslides, on the other hand, happen when earth and rock shift downhill due to gravity and are not generally covered by any insurance policy.

Methodology

Bankrate utilizes Quadrant Information Services to analyze April 2024 rates for all ZIP codes and carriers in all 50 states and Washington, D.C. Quoted rates are based on married male and female homeowners with a clean claim history, good credit and the following coverage limits:

The homeowners also have a $1,000 deductible, a $500 hail deductible and a 2 percent hurricane deductible (or the next closest deductible amounts that are available) where separate deductibles apply. 

These are sample rates and should be used for comparative purposes only. Your quotes will differ.

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