Best homeowners insurance in West Virginia for 2022

Gianetta Palmer

By 

Gianetta Palmer

Gianetta Palmer

Freelance contributor

Gianetta Palmer is a freelance writer who lives in the Georgia mountains. Her writing on health and car insurance, has appeared on numerous sites.

Updated May 1, 2022

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West Virginia weather can bring winter storms, severe weather, and heavy rainfall, all of which can lead to flooding, 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 $1,499 per year or $125 a month. This is around 22% lower than the national average of $158 per month. 

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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.  

Best homeowners insurance companies in West Virginia

Of the companies we looked at, Erie has the lowest rates, with an average annual policy cost of $1,232 per year — about $200 less than the state average. Nationwide has the next lowest average rates at $1,546 per year.

Policygenius analyzed thousands of quotes from the 5 largest West Virginia insurers to find the average cost of homeowners insurance with each company in 2022. We then looked at 2021 J.D. Power customer satisfaction scores and compared that with the coverage needs of West Virginia residents to find the best homeowners insurance in West Virginia.

Company

Average yearly cost

J.D. Power Rating

AAA

$1,711

834

ASI Progressive

$2,223

821

State Farm

$1,658

835

Erie

$1,232

--

Nationwide

$1,546

812

AAA

AAA logo

While AAA is mostly known for its auto insurance and roadside assistance, it also offers a comprehensive home insurance policy — complete with flood and earthquake insurance add-ons and multiple discounts. But you'll need to be a AAA member to qualify.

Pros

  • Multiple perks and discounts for AAA members

  • Save up to 10% on auto insurance and 25% on home insurance if you combine the two under a companion policy

  • Offers flood and earthquake coverage so you don't have to purchase separate policies elsewhere

  • Excellent customer service ratings

Cons

  • Must be a AAA member to qualify

Why AAA tops our best list

While you might think that AAA only offers auto insurance, it also provides a complete line of home insurance policies suitable for any budget and coverage needs. You can bundle your home and car insurance policies to earn up to a 25% discount with AAA. Plus, get flood insurance as a coverage add-on, which is unavailable with most companies and requires a separate policy.

How to get a quote

Online through AAA

ASI Progressive

ASI Progressive logo

ASI Progressive offers robust home insurance coverage and ways to save. Our fave perk? Its bundling discount, which lets you save up to 20% on premiums and only requires you to pay one deductible if your home and car are damaged in the same event.

Pros

  • Policies are backed by Progressive Insurance

  • Flood insurance coverage add-on available — a rarity among insurers

  • Save up to 20% when you bundle your home and auto insurance

  • Score discounts for owning a new home, signing up for e-bills, paying your premiums in full for the year, and more

  • Only pay one deductible if your home and car are damaged in the same incident and you bundle your home and auto insurance together

  • File and track claims online

Cons

  • Below-average claims satisfaction ratings

  • Minimal information about coverage add-ons available online

Why ASI Progressive tops our best list

ASI Progressive offers home insurance in West Virginia that is backed by Progressive Insurance. When they bundle them together, policyholders can receive up to 20% off their auto and home insurance policies. And we love the fact that ASI requires you to pay one deductible if your home and auto are damaged in the same event.

How to get a quote

Online through ASI Progressive

State Farm

State Farm logo

There's a reason State Farm is one of the top-rated insurance companies in the U.S. — its customer satisfaction ratings are through the roof, it offers a slew of coverage add-ons for full protection, and makes filing claims through its mobile app a breeze.

Pros

  • Top-tier coverage add-ons, including equipment breakdown, water backup, and service line coverage

  • Get up to $1 million in personal liability coverage

  • Score discounts for bundling, installing security devices, and choosing a high deductible

  • File and track claims online, over the phone, in person, or through its mobile app

  • High customer satisfaction and financial strength ratings

Cons

  • No discounts for first-time homebuyers or going a year without a claim

Why State Farm tops our best list

State Farm scored an impressive 835 out of 1,000 in customer service and financial ratings from J.D. Power in the 2021 home insurance study. Not only does State Farm have excellent rates, but customers can get discounts for bundling home and auto insurance policies, and choosing a high deductible. It’s no wonder State Farm is one of the most popular home insurance providers in the nation.

How to get a quote

Online through State Farm

Erie

Erie logo

With some of the best customer service ratings in the industry, Erie offers comprehensive coverage even with its most basic policy — including guaranteed replacement cost coverage and protection for lost items.

Pros

  • Score up to a 25% discount when you bundle your home and auto insurance

  • Guaranteed replacement cost coverage is included in the base policy

  • Theft coverage includes lost or misplaced items — a rare perk we don't see often

  • Multiple policy add-ons available, including water backup and service line coverage

  • Among the best customer service ratings in the industry

Cons

  • Can't file claims online — must speak to an Erie agent on the phone

Why Erie tops our best list

One of the reasons Erie made our best list is that it offers comprehensive guaranteed replacement cost coverage in a basic policy and theft coverage for lost or misplaced items, that costs more than other providers. Homeowners looking to reduce their insurance costs further should look into bundling their home and auto insurance policies with potential savings of up to 25%.

How to get a quote

Online through Erie

Nationwide

Nationwide logo

Nationwide offers flexible home insurance policy options for every home type and income level. And we love its slew of discounts for everything from having a newish roof to living in a gated community.

Pros

  • Offers lots of coverage add-ons, including flood and earthquake insurance

  • Option to rebuild roof with stronger, safer materials after a covered loss

  • Score discounts for living in a gated community, making home renovations, having a newer roof, and more

  • Seamlessly submit claims online or through its mobile app

  • Above-average claims satisfaction rating

Cons

  • Below-average customer satisfaction ratings

  • Water backup coverage is more expensive than with other insurers

Why Nationwide tops our best list

Nationwide customers can earn lower rates by making home renovations, updating their roof, and living in a gated community. Customers can choose to use safer materials to repair their roofs after a covered loss. Nationwide has above-average customer service ratings and the option to submit claims online or by calling to speak to a representative.

How to get a quote

Online through Policygenius or Nationwide

Cheapest homeowners insurance companies by city in West Virginia

Looking at average home insurance costs for the 15 most popular insurers in West Virginia, we found that the cheapest homeowners insurance companies in the state are Allstate, Erie, and USAA.

The average Erie rate in Parkersburg is $1,022 per year — over $100 less than homeowners in Huntington. Meanwhile, residents in the state capital of Charleston enjoy rates of $972 per year with Erie.

City

Company

Average yearly cost

Accoville

USAA

$1,121

Adrian

USAA

$1,106

Advent

USAA

$1,116

Albright

Allstate

$1,028

Alkol

Allstate

$1,173

Allen Junction

Erie

$1,092

Alloy

USAA

$1,120

Alma

Allstate

$1,002

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Shopping for homeowners insurance in West Virginia

Shopping for home insurance in West Virginia can be a challenging process if you don’t know where to begin. Selecting the right company is only part of the equation. You’ll want to make sure you have enough dwelling coverage to equal the value of your home, plus flood insurance if you live near the river.

In this section, we break down the average annual home insurance rates in West Virginia for different coverage and deductible levels, those with poor credit, as well as the cheapest and most expensive home insurance companies for dog and pool owners.

West Virginia home insurance costs by coverage amounts

Dwelling coverage is the section of your home insurance policy that pays to repair or replace your home after a covered loss. With average West Virginia home prices in the low-$130,000 range, homes with dwelling coverage limits of $200,000 to $300,000 can expect to pay $65 to $94 each month for home insurance. A home with $500,000 in dwelling coverage is around $193 per month.

Dwelling coverage amount

Average yearly cost

$100,000

$780

$200,000

$1,128

$300,000

$1,499

$400,000

$1,890

$500,000

$2,312

Personal liability coverage is the portion of your home insurance policy that pays for medical, legal, or repair bills in the event you’re legally responsible for someone’s injury or property damage. 

Liability coverage amount

Average yearly cost

$100,000

$1,539

$200,000

$1,371

$300,000

$1,499

$400,000

$1,399

$500,000

$1,526

West Virginia home insurance costs by deductible amount

Your deductible is the amount you’re responsible for paying out-of-pocket before your insurance provider begins to pay after a covered loss. A higher deductible means lower monthly payments, but higher out-of-pocket expenses for a covered claim. 

As you can see in the table below, West Virginia residents can save around $350 on home insurance by choosing a $2,000 deductible over the $500 option.

Deductible amount

Average yearly cost

$500

$1,624

$1,000

$1,499

$2,000

$1,247

Home insurance discounts in West Virginia

While there isn’t a large discount for homeowners in West Virginia with deadbolt locks, smoke alarms, and home security systems, having them added to your home can help protect you and your family. Here is the average annual rate and average discount percentage for homes with home monitoring services in West Virginia.

Discount

Average yearly cost

Dead bolt

$1,498

Smoke alarm

$1,497

Burglar alarm

$1,480

Home insurance companies in West Virginia for dog owners

If you own a specific breed of dog to protect you and your home, you might be paying more for home insurance. Some insurers charge higher rates for certain breeds and could even deny you coverage if you own one.

With an average rate of $1,232 per year, Erie has the cheapest home insurance rates in West Virginia for a home with a dangerous dog breed, while ASI Progressive’s average yearly rate is almost $2,277.

Company

Average yearly cost

Erie

$1,232

Nationwide

$1,546

State Farm

$1,658

AAA

$1,711

ASI Progressive

$2,277

Home insurance companies in West Virginia for poor credit

Insurance companies consider a low credit score to be an indicator of risky behavior and an increased risk for filing insurance claims, so many charge higher rates.

With an average rate of $2,161 per year, Nationwide has the cheapest homeowners insurance rates in West Virginia for a homeowner with poor credit. Meanwhile, Erie's rates are the highest of the companies we reviewed, with a $3,294 yearly rate.

Company

Average yearly cost

Nationwide

$2,161

State Farm

$2,843

ASI Progressive

$3,066

AAA

$3,765

Erie

$3,924

Home insurance companies in West Virginia for pool owners

Home insurance rates are higher for those with a swimming pool. Some insurance companies consider swimming pools as a risk, meaning there’s a higher likelihood of someone being injured. More injuries result in more liability claims and higher insurance rates for everyone.

With an average yearly rate of $1,399 per year, Erie has the cheapest home insurance rates for West Virginia homes with a swimming pool, while ASI Progressive has the most expensive rates at $2,246 per year.

Company

Average yearly cost

Erie

$1,399

Nationwide

$1,546

State Farm

$1,658

AAA

$1,711

ASI Progressive

$2,246

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.

  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.

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Frequently asked questions

What is the average home insurance cost in West Virginia?

The average home insurance rate in West Virginia is about $1,499 per year or $125 per month. That’s about 22% less than the national average of $1,899 yearly rate.

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.

Methodology

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.