Best homeowners insurance in West Virginia (2024)

We looked at average costs, customer service ratings, and policy options from multiple top insurers to find the best and cheapest home insurance companies in West Virginia.

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By

Andrew HurstSenior Editor & Licensed Auto Insurance ExpertAndrew Hurst is a senior editor and a licensed auto insurance expert at Policygenius. His work has also been featured in The New York Times, The Wall Street Journal, Forbes, USA Today, NPR, Mic, Insurance Business Magazine, ValuePenguin, and Property Casualty 360.

Edited by

Pat HowardPat HowardManaging Editor & Licensed Home Insurance ExpertPat Howard is a licensed insurance expert and managing editor at Policygenius. Pat has written extensively about the home insurance industry and his insights as a subject matter expert have appeared in several top tier publications, including The New York Times, The Wall Street Journal, CNBC, and Reuters. Pat has a bachelor's degree in journalism from Michigan State University.
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Reviewed by

Michael Reynolds, CSRIC®, AIF®, CFT-I™Michael Reynolds, CSRIC®, AIF®, CFT-I™Financial AdvisorMichael Reynolds, CSRIC®, AIF®, CFT-I™, is a financial advisor, principal and founder of Elevation Financial, host of the weekly personal finance podcast Wealth Redefined®, and a member of the Financial Review Council at Policygenius.

Updated|4 min read

Expert reviewedExpert reviewedThis article has been reviewed by a member of ourFinancial Review Council to ensure all sources, statistics, and claims meet the highest standard for accurate and unbiased advice.Learn more about oureditorial review process.

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West Virginia weather can bring winter storms, severe weather, and heavy rainfall, all of which can lead to wind damage and other issues, so you want to be sure you have enough home insurance

Despite the varying weather-related risks to homeowners in West Virginia, the average cost of homeowners insurance is $1,426 per year or $119 a month. This is around 19% lower than the national average of $1,754 per year.

Compare home insurance rates in West Virginia

However, the cost isn’t the only factor to consider when choosing a home insurance company. Not sure what to look for? Policygenius can help you figure out your coverage needs and compare quotes from multiple top companies in West Virginia.

Methodology & why you can trust our rates

Policygenius has analyzed home insurance rates provided by Quadrant Information Services in March 2022 for ZIP codes in all 50 states plus Washington, D.C., for a 40-year-old female homeowner with no claim history, good credit, a $1,000 deductible, and the following coverage limits:

  • Dwelling: $300,000

  • Other structures: $30,000

  • Personal property: $150,000

  • Loss of use: $60,000

  • Liability: $300,000

  • Medical: $1,000

All rates based on the above coverage limits except where otherwise noted.

Some carriers may be represented by affiliates or subsidiaries. Rates provided are a sample of costs. Your actual quotes may differ.

Compare the best homeowners insurance companies in West Virginia

According to our analysis, State FarmNationwide, Erie, and Allstate are the best homeowners insurance companies in West Virginia.

Policygenius analyzed thousands of quotes across the state to find the average cost of homeowners insurance from each company. We then looked at J.D. Power customer satisfaction scores, complaint data, and coverage offerings to find the best homeowners insurance in West Virginia.

Company

Average monthly cost

Policygenius rating

State Farm

$136

4.8 out of 5

Erie

$103

4.5 out of 5

Nationwide

$129

4.5 out of 5

Allstate

$114

4.4 out of 5

Compare home insurance rates in West Virginia

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2024 Policygenius award winner

State Farm

State Farm logo

Policygenius rating 

Our proprietary rating methodology takes multiple factors into account, including customer satisfaction, cost, financial strength, and policy offerings. See the "methodology" section for more details.

Full orange starFull orange starFull orange starFull orange starHalf orange star

4.8

AM Best rating 

AM Best is a global credit rating agency that scores the financial strength of insurance companies on a scale from A++ (Superior) to D (Poor).

A++

Cost 

Using a mix of internal and external rate data, we grade the cost of each insurance company's premiums on a scale from least expensive ($) to most expensive ($$$$$).

$

$

$

$

$

Bundle home & auto

Offers extended replacement cost

Offers flood insurance

Offers earthquake insurance

Wind/hail deductible

Offers wildfire insurance

Why we chose itchevron icon

State Farm is one of the best home insurance companies in West Virginia thanks to its large selection of policy options, high customer service marks, and industry-best financial stability ratings.

Pros and conschevron icon

Pros

  • Top-tier coverage add-ons, including extended replacement cost coverage

  • High customer satisfaction and financial strength ratings

  • Big discount for bundling home and auto coverage

Cons

  • No discounts for first-time homebuyers

  • Rates are more expensive than average in West Virginia

More detailschevron icon

Why we chose State Farm

State Farm is one of our picks for the best home insurance in West Virginia, especially if you want to add protection to a basic policy. With State Farm homeowners can get extended replacement cost coverage for their homes, replacement cost coverage for their personal property, water backup protection, and more.

State Farm's customer service is highly rated, too. State Farm has gotten high ratings from policyholders, according to J.D. Power’s 2022 customer satisfaction, claims, and digital experience surveys. It has also received the highest rating possible from A.M. Best for financial strength and stability.

How do State Farm home insurance rates compare to the West Virginia average?

The average cost of home insurance from State Farm in West Virginia is $1,627 per year, which is 14% more expensive as than the statewide average.

How to get a quote

Online through State Farm or by contacting your local State Farm agent.

award icon

2024 Policygenius award winner

Erie

Policygenius rating 

Our proprietary rating methodology takes multiple factors into account, including customer satisfaction, cost, financial strength, and policy offerings. See the "methodology" section for more details.

Full orange starFull orange starFull orange starFull orange starHalf orange star

4.5

AM Best rating 

AM Best is a global credit rating agency that scores the financial strength of insurance companies on a scale from A++ (Superior) to D (Poor).

A+

Cost 

Using a mix of internal and external rate data, we grade the cost of each insurance company's premiums on a scale from least expensive ($) to most expensive ($$$$$).

$

$

$

$

$

Mobile app

Bundle home & auto

Why we chose itchevron icon

Erie's wide range of coverage options, industry-best customer service ratings, and affordable rates make it one of the best home insurance companies in West Virginia.

Pros and conschevron icon

Pros

  • Guaranteed replacement cost comes standard on Erie policies

  • Excellent customer service and claims satisfaction ratings

  • Cheaper rates than average in West Virginia

Cons

  • Offers only a few discounts

More detailschevron icon

Why we chose Erie

Erie is one of the best homeowners insurance companies in West Virginia, especially for residents who want to add more protection to a basic policy. Home insurance policies from Erie come standard with guaranteed replacement cost coverage — which you often have to pay extra for at other companies.

A basic policy also covers lost and misplaced items, jewelry, and gift cards to closed businesses.

Erie also offers a range of add-ons that you can purchase, like short-term rental coverage, equipment breakdown coverage, water backup protection, underground service line coverage, and more.

How do Erie home insurance rates compare to the average in West Virginia?

The average cost of Erie home insurance in West Virginia is $1,232 per year, which is 14% cheaper than the annual statewide average.

How to get a quote

Online through Erie

award icon

2024 Policygenius award winner

Nationwide

Nationwide logo

Policygenius rating 

Our proprietary rating methodology takes multiple factors into account, including customer satisfaction, cost, financial strength, and policy offerings. See the "methodology" section for more details.

Full orange starFull orange starFull orange starFull orange starHalf orange star

4.5

AM Best rating 

AM Best is a global credit rating agency that scores the financial strength of insurance companies on a scale from A++ (Superior) to D (Poor).

A+

Cost 

Using a mix of internal and external rate data, we grade the cost of each insurance company's premiums on a scale from least expensive ($) to most expensive ($$$$$).

$

$

$

$

$

Bundle home & auto

Mobile app

New homebuyer discount

Offers extended replacement cost

Why we chose itchevron icon

Nationwide is one of the best home insurance companies in West Virginia for its top-rated customer service. Nationwide also offers a range of add-ons that you can use to personalize your coverage.

Pros and conschevron icon

Pros

  • Receives fewer complaints than average

  • Multiple high-quality coverage options

  • Gets good customer satisfaction ratings

Cons

  • Below-average digital experience ratings

  • Rates are more expensive than average in West Virginia

More detailschevron icon

Why we chose Nationwide

Nationwide is one of the best home insurance companies in West Virginia for its customer service. Nationwide ranks fifth on J.D. Power's Property Claims Satisfaction Study from 2022. It also gets fewer complaints than other insurers, according to the National Association of Insurance Commissioners.

We also like Nationwide's many coverage options, including guaranteed and extended replacement cost coverages, better roof replacement, new belongings coverage, water backup protection, and equipment breakdown coverage.

How do Nationwide home insurance rates compare to the West Virginia average?

The average cost of Nationwide home insurance in West Virginia is $1,546 per year, which is 8% more expensive than the annual statewide average.

How to get a quote

Online through Policygenius or Nationwide

award icon

2024 Policygenius award winner

Allstate

Allstate logo

Policygenius rating 

Our proprietary rating methodology takes multiple factors into account, including customer satisfaction, cost, financial strength, and policy offerings. See the "methodology" section for more details.

Full orange starFull orange starFull orange starFull orange starHalf orange star

4.5

AM Best rating 

AM Best is a global credit rating agency that scores the financial strength of insurance companies on a scale from A++ (Superior) to D (Poor).

A+

Cost 

Using a mix of internal and external rate data, we grade the cost of each insurance company's premiums on a scale from least expensive ($) to most expensive ($$$$$).

$

$

$

$

$

Bundle home & auto

Smart home discounts

Why we chose itchevron icon

Allstate is one of the top home insurance companies in West Virginia. Along with more affordable rates than average, Allstate also offers a few add-ons that can make a basic policy stronger.

Pros and conschevron icon

Pros

  • Offers HostAdvantage for short-term rental coverage

  • Offers water backup protection, other endorsements

Cons

  • Beginning to pull back coverage in high-risk areas

  • Higher rates than average in Kentucky

More detailschevron icon

Why we chose Allstate

Allstate is a top home insurance company in West Virginia. We like that Allstate offers some home insurance coverages that you can add to your policy for more protection, like water backup protection, scheduled personal property coverage, and identity theft restoration coverage.

If you're looking to cover your short-term rental, Allstate's HostAdvantage is another perk. HostAdvantage comes with theft protection, coverage for your damaged property ($10,000 per host period), and a $25 discount on cleaning services from Merry Maids.

How do Allstate home insurance rates compare to the West Virginia average?

The annual average cost of Allstate home insurance in West Virginia is $1,370 per year, which is 4% more expensive than the statewide average.

How to get a quote

Online through Policygenius or Allstate, or by contacting a local Allstate agent.

How much is homeowners insurance in West Virginia?

The average cost of homeowners insurance in West Virginia is $1,426 per year, or $119 a month, for an insurance policy with $300,000 in dwelling coverage. This means insurance in the Mountain State is $328 cheaper than the national average per year.

West Virginia homeowners insurance rates by city

We calculated the cost of home insurance in West Virginia's largest cities and found that Morgantown and Fairmont are the cheapest big cities for homeowners insurance in the state, while Oak Hill and Dunbar are the most expensive.

Here’s a look at the average cost of home insurance in the 20 largest cities in West Virginia.

City

Average monthly cost

Average annual cost

Difference from state average (%)

Charleston

$119

$1,432

0%

Huntington

$119

$1,424

0%

Morgantown

$99

$1,182

-17%

Parkersburg

$108

$1,298

-9%

Wheeling

$103

$1,240

-13%

Martinsburg

$108

$1,290

-10%

Weirton

$104

$1,251

-12%

Fairmont

$99

$1,193

-16%

Beckley

$114

$1,364

-4%

Clarksburg

$101

$1,216

-15%

South Charleston

$117

$1,406

-1%

Vienna

$104

$1,253

-12%

St. Albans

$118

$1,414

-1%

Bluefield

$116

$1,397

-2%

Bridgeport

$104

$1,242

-13%

Oak Hill

$121

$1,449

2%

Moundsville

$106

$1,277

-10%

Dunbar

$121

$1,452

2%

Charles Town

$108

$1,296

-9%

Elkins

$108

$1,299

-9%

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West Virginia homeowners insurance rates by coverage amount

The table below highlights the average annual premium in West Virginia for five different levels of dwelling coverage, which is the part of your policy that covers structural damage to your home.

Generally speaking, more dwelling coverage means higher homeowners insurance rates, as shown in the table below.

Dwelling coverage limit

Average annual cost

$100,000

$748

$200,000

$1,087

$300,000

$1,426

$400,000

$1,802

$500,000

$2,214

Compare home insurance rates in West Virginia

Cheapest homeowners insurance companies in West Virginia

After analyzing home insurance rates in all of the state's ZIP codes, we found that the cheapest home insurance companies in West Virginia are USAA, Westfield Insurance, Erie, Allstate, and Nationwide.

Company

Average annual cost

USAA

$1,073

Westfield Insurance

$1,177

Erie

$1,232

Allstate

$1,370

Nationwide

$1,546

AAA

$1,574

State Farm

$1,627

Progressive

$2,040

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Cheapest West Virginia homeowners insurance if you have poor credit

Poor credit can be bad news when it comes to home insurance rates. Insurance companies consider a bad credit score to be an indicator of risky behavior and an increased risk of filing an insurance claim.

With an average rate of $2,161 per year, Nationwide has the cheapest home insurance rates in West Virginia for a homeowner with poor credit.

Company

Average annual cost

Nationwide

$2,161

Westfield Insurance

$2,232

Allstate

$2,320

USAA

$2,445

State Farm

$2,843

Progressive

$3,066

AAA

$3,765

Erie

$3,924

Collapse table

Cheapest West Virginia homeowners insurance if you have an older home

It can cost a lot to insure older homes. That's because they're more prone to structural damage than new homes. Older homes are also often constructed out of materials and with features that would be expensive to replace if they were damaged.

With an average annual premium of $1,262, Westfield Insurance offers the cheapest home insurance rates in West Virginia for an older home. USAA is the cheapest insurance company if you or your family are affiliated with the military.

Company

Average annual cost

USAA

$1,046

Westfield Insurance

$1,262

Allstate

$1,311

Erie

$1,380

Nationwide

$1,626

State Farm

$1,660

AAA

$1,711

Progressive

$2,156

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Cheapest West Virginia homeowners insurance if you have a history of claims

If you have multiple claims on your record, you'll typically pay more for home insurance, as insurers will consider you more likely to file future claims than a homeowner with a spotless claims history.

With an average annual premium of $1,467, Westfield Insurance offers the cheapest home insurance rates in West Virginia if you've filed three claims within a five-year period.

Company

Average annual cost

Westfield Insurance

$1,467

USAA

$1,669

State Farm

$1,893

Erie

$2,213

Allstate

$2,639

Progressive

$2,973

Nationwide

$3,553

AAA

$5,862

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Coverage options in West Virginia

In addition to looking at how much each insurance company charges for different coverage levels and risks, you should also know what your policy does and doesn’t cover.

When buying homeowners insurance in West Virginia, you may need additional insurance to protect yourself against flooding and damage from strong winds.

Flood insurance

Your regular home insurance policy won't cover flood damage. If you live in a part of West Virginia that experiences flooding, you should consider flood insurance along with your regular home insurance.

In addition to comparing home insurance quotes, homeowners in West Virginia can also compare private flood insurance rates with Policygenius, or choose a policy through a government entity like the National Flood Insurance Program.

Windstorm insurance

West Virginia can have storms with strong winds that could damage your home. Home insurance usually covers damage from wind (including tornadoes), but it can sometimes be a little more complicated.

Some home insurance companies in West Virginia may charge a separate wind deductible, while others won't cover wind damage at all. If you're not covered, you would need to get a separate windstorm policy or find a company that covers wind damage.

How to buy homeowners insurance in West Virginia

Homeowners in West Virginia have many options when it comes to home insurance. Check out our roundup of five easy steps you can take to find the best coverage that works for your insurance needs.

Steps for getting home insurance in West Virginia

  1. Reach out to a licensed Policygenius agent. Our team of licensed insurance agents can help you find affordable quotes from top companies. 

  2. Ask if you should purchase flood insurance. Talk to a Policygenius about adding additional coverage for floods and winter storms, both of which can have devastating effects if you don’t have the right home insurance. 

  3. Figure out how high of a deductible you can afford. A higher deductible means you’ll pay less upfront for your insurance, but a larger chunk when it's time to file a claim. A Policygenius agent can help you pick out a deductible that works within your budget.

  4. Compare quotes from a Policygenius agent. Once you’ve identified your coverage needs, limits, and deductibles, a Policygenius agent will send over quotes from top companies for your review.

  5. Sign the policy, and pay your first premium. After you’ve settled on the company and policy that works best for you, Policygenius will do all of the paperwork for you. All you need to do is sign your policy and pay your first premium.

Compare home insurance rates in West Virginia

Frequently asked questions

What is the average home insurance cost in West Virginia?

The average home insurance rate in West Virginia is about $1,426 per year or $119 per month. That’s about 19% less than the national average.

Is it mandatory to have home insurance in West Virginia?

Homeowners insurance isn’t required in West Virginia unless you have a loan or mortgage. However, many mortgage lenders require you to purchase home insurance before extending a home loan to protect their financial interest in your property.

How can I lower the cost of my home insurance in West Virginia?

One of the ways to lower your home insurance is by asking your provider about available discounts that may apply to you. This may include bundling your home and auto policies together for savings up to 30% and choosing a higher deductible. One thing to remember is that a higher deductible means your rates will be higher overall.

Author

Andrew Hurst is a senior editor and a licensed auto insurance expert at Policygenius. His work has also been featured in The New York Times, The Wall Street Journal, Forbes, USA Today, NPR, Mic, Insurance Business Magazine, ValuePenguin, and Property Casualty 360.

Editor

Pat Howard is a licensed insurance expert and managing editor at Policygenius. Pat has written extensively about the home insurance industry and his insights as a subject matter expert have appeared in several top tier publications, including The New York Times, The Wall Street Journal, CNBC, and Reuters. Pat has a bachelor's degree in journalism from Michigan State University.

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