Best West Virginia Homeowners Insurance Quotes (2024)

Westfield offers some of the cheapest homeowners insurance policies in West Virginia, with annual premiums starting at $895.

Danny Smith
Written byDanny Smith
Photo of an Insurify author
Danny Smith
  • Licensed auto and home insurance agent

  • 4+ years in content creation and marketing

As Insurify’s home and pet insurance editor, Danny also specializes in auto insurance. His goal is to help consumers navigate the complex world of insurance buying.

Featured in

media logo
Sara Getman
Edited bySara Getman
Sara Getman
Sara GetmanAssociate Editor

Sara Getman is an Associate Editor at Insurify and has been with the company since 2022. Prior to joining Insurify, Sara completed her undergraduate degree in English Literature at Simmons University in Boston. At Simmons, she was the Editor-in-Chief for Sidelines Magazine (a literary and art publication), and wrote creative non-fiction.

Outside of work, Sara is an avid reader, and loves rock climbing, yoga and crocheting.

Andrew Huang
Data reviewed byAndrew Huang
Headshot of Andrew Huang, Directory of Analytics at Insurify
Andrew HuangVP, Marketing & Analytics
  • Chartered financial analyst

  • 12+ years in data analysis and marketing

Andrew applies his vast knowledge of analytics and insurance industry trends to help inform Insurify’s content and marketing efforts.

Featured in

media logomedia logomedia logo

Updated August 7, 2024

Save up to $852 by comparing quotes from the top 100+ insurance companies

Excellent
Secure. Free. Easy-to-use.
ProgressiveLiberty MutualAllstate
Advertiser Disclosure

At Insurify, our goal is to help customers compare insurance products and find the best policy for them. We strive to provide open, honest, and unbiased information about the insurance products and services we review. Our hard-working team of data analysts, insurance experts, insurance agents, editors and writers, has put in thousands of hours of research to create the content found on our site.

We do receive compensation when a sale or referral occurs from many of the insurance providers and marketing partners on our site. That may impact which products we display and where they appear on our site. But it does not influence our meticulously researched editorial content, what we write about, or any reviews or recommendations we may make. We do not guarantee favorable reviews or any coverage at all in exchange for compensation.

Why you can trust Insurify: Comparing accurate insurance quotes should never put you at risk of spam. We earn an agent commission only if you buy a policy based on our quotes. Our editorial team follows a rigorous set of editorial standards and operates independently from our insurance partners. Learn more.

The average cost of home insurance in West Virginia is $1,392 per year for a policy with a $1,000 deductible and $300,000 in dwelling coverage, which is much lower than the national annual average of $2,377.

But the state is experiencing record numbers of tornadoes. They’re traditionally uncommon in West Virginia, but as many as 16 tornadoes have hit the state this year.[1] Tornadoes can severely damage homes, even if they’re not very big. Fortunately, home insurance covers most tornado and wind damage.

Before buying a home insurance policy, it’s a good idea to compare home insurance quotes from at least three companies. Here’s what you need to know about finding home coverage in West Virginia.

Quick Facts
  • Westfield, USAA, Allstate, and Erie are some of the cheapest home insurance companies in West Virginia.

  • The state is prone to flash floods, and homeowners in high-risk areas should consider a flood insurance policy.

  • Rates are significantly lower in West Virginia because it’s a relatively safe state and has the third-lowest property crime rate in the South Atlantic region.[2]

Best home insurance companies in West Virginia

You have plenty of great insurance companies to choose from for homeowners insurance in West Virginia. But the best options may not always be the cheapest ones. The best homeowners insurance company for your home should have affordable rates, a variety of coverage options, and dependable customer service. It’s not always best to leave the protection of your personal belongings and property to the company with the lowest price.

Check out the insurers below to start your search. Each insurer is the best insurer for a specific category in West Virginia. The average prices below reflect costs for a $300,000 dwelling coverage policy with a $1,000 deductible.

Insurance Company
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.
Average Annual Premium
Best For
WestfieldNR$895Cheapest rates
USAA8$1,055Military community
Allstate8.2$1,164Overall
Erie7.4$1,253Customer service 
  • Our editorial team spent more than 350 hours developing the Insurify Quality (IQ) Score and scoring insurance companies. The IQ Score objectively analyzes and calculates a score for insurers using more than 15 crucial criteria. The team weighted criteria by importance to the consumer — factors such as customer reviews and affordability influence the score more than availability and third-party ratings.

    We rate each company on a 1 to 10 scale based on five categories: financial ratings, customer satisfaction, affordability, customer support and transparency, and availability. Insurify updates ratings once a year or as more recent information becomes available.

    • Third-party financial ratings: Insurify uses data from AM Best, S&P, Moody’s, and more to compare insurance companies’ credit and ability to pay out future claims.
    • Customer satisfaction: To calculate this score, Insurify analyzed more than 28,000 customer reviews across 155 car insurance companies. We also consider third-party ratings from J.D. Power, the National Association of Insurance Commissioners, and Trustpilot.
    • Affordability: Our data scientists analyzed more than 90 million real-time auto insurance rates from our partners across the U.S., as well as available discounts, to calculate an affordability score.
    • Customer support and transparency: This measures coverage options, ease of claims filing, and the insurer's transparency surrounding discounts, coverages, and claims process.
    • Availability and reach: Insurify scores availability and reach by identifying the number of states in which insurers offer coverage and company size by market share.

Cheapest rates: Westfield

Compare personalized, real-time quotes
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.
NR
$300,000 Dwelling
A standard HO-3 home insurance policy typically includes dwelling, personal property, and liability coverage. The average rate displayed here reflects a policy with the following coverage limits: $300,000 dwelling; $25,000 personal property; $300,000 personal liability; $30,000 loss of use; and a $1,000 deductible for medical payments to others.
$69/mo
$500,000 Dwelling
A standard HO-3 home insurance policy typically includes dwelling, personal property, and liability coverage. The average rate displayed here reflects a policy with the following coverage limits: $500,000 dwelling; $25,000 personal property; $300,000 personal liability; $30,000 loss of use; and a $1,000 deductible for medical payments to others.
$82/mo

Westfield has the cheapest home insurance rates in West Virginia, with an average monthly rate of $75. The company offers coverage specifically designed for high-value homes, making them easier to insure than they would be with other companies. Homeowners looking to save money should consider Westfield.

Pros
  • Available benefits for bundling home and auto

  • A+ rating from the Better Business Bureau (BBB)

Cons
  • More complaints than average, according to the National Association of Insurance Commissioners (NAIC) complaint index

  • Available in only 10 U.S. states

Best insurer for the military community: USAA

Compare personalized, real-time quotes
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.
9.4/10
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
880
$300,000 Dwelling
A standard HO-3 home insurance policy typically includes dwelling, personal property, and liability coverage. The average rate displayed here reflects a policy with the following coverage limits: $300,000 dwelling; $25,000 personal property; $300,000 personal liability; $30,000 loss of use; and a $1,000 deductible for medical payments to others.
$93/mo
$500,000 Dwelling
A standard HO-3 home insurance policy typically includes dwelling, personal property, and liability coverage. The average rate displayed here reflects a policy with the following coverage limits: $500,000 dwelling; $25,000 personal property; $300,000 personal liability; $30,000 loss of use; and a $1,000 deductible for medical payments to others.
$141/mo

USAA is the best home insurance company in West Virginia for the more than 100,000 veterans who live in the state. It’s also an excellent option for active military members and their families. Homeowners who qualify pay an average of $1,055 per year for a homeowners policy, the second-cheapest rate in the state.

Pros
  • Numerous add-on coverages and exclusive benefits for military members

  • J.D. Power score of 881/1,000 for customer satisfaction

Cons
  • Only available to active military, veterans, and their families

  • Complaints about customer service and claims process on the BBB website

Best insurer overall: Allstate

Compare personalized, real-time quotes
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.
8.9/10
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
833
$300,000 Dwelling
A standard HO-3 home insurance policy typically includes dwelling, personal property, and liability coverage. The average rate displayed here reflects a policy with the following coverage limits: $300,000 dwelling; $25,000 personal property; $300,000 personal liability; $30,000 loss of use; and a $1,000 deductible for medical payments to others.
$101/mo
$500,000 Dwelling
A standard HO-3 home insurance policy typically includes dwelling, personal property, and liability coverage. The average rate displayed here reflects a policy with the following coverage limits: $500,000 dwelling; $25,000 personal property; $300,000 personal liability; $30,000 loss of use; and a $1,000 deductible for medical payments to others.
$140/mo

Allstate is the best home insurance company overall in West Virginia. It’s the second-largest home insurance company in the country, which allows it to combine excellent coverage with affordable rates and numerous insurance products and discounts.

The company has an AM Best financial strength rating of A+ (Superior), making it a reliable option for homeowners concerned about payouts after serious natural disasters like tornadoes.

Pros
  • Offers 5% back every year you don’t file a claim

  • Significant savings if you bundle home and auto policies

Cons
  • Limited coverage in some high-risk areas[3]

  • One-star Trustpilot rating

Best insurer for customer service: Erie

Compare personalized, real-time quotes
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.
9.0/10
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
870
$300,000 Dwelling
A standard HO-3 home insurance policy typically includes dwelling, personal property, and liability coverage. The average rate displayed here reflects a policy with the following coverage limits: $300,000 dwelling; $25,000 personal property; $300,000 personal liability; $30,000 loss of use; and a $1,000 deductible for medical payments to others.
$106/mo
$500,000 Dwelling
A standard HO-3 home insurance policy typically includes dwelling, personal property, and liability coverage. The average rate displayed here reflects a policy with the following coverage limits: $500,000 dwelling; $25,000 personal property; $300,000 personal liability; $30,000 loss of use; and a $1,000 deductible for medical payments to others.
$158/mo

Erie has the best customer service when it comes to home insurance in West Virginia. It has 24/7 claims service and options to talk with an agent via phone or online chat. The insurer also has fewer than the average number of complaints on the National Association of Insurance Commissioners (NAIC) complaint index.

Pros
  • Has the highest customer satisfaction rating in the J.D. Power 2023 U.S. Home Insurance Study

  • Multiple local insurance agents in West Virginia

Cons
  • Available in only 12 states

  • Quotes not available online — must work with an agent

Find Cheap Home Insurance in West Virginia

Check quotes from 100+ top insurance companies

Secure. Free. Easy-to-use.
Based on 3,806+ reviews
4.8/5
Shopper Approved
ProgressiveLiberty MutualAllstate

Cheapest home insurance in West Virginia

Westfield has the cheapest home insurance in West Virginia, with an average rate of $75 per month, or $896 per year. But insurance rates in the state can vary widely by insurer since each company determines your policy’s premium differently.

The table below highlights some of the other cheap home insurance companies in West Virginia. The average costs below are for policies with $300,000 in dwelling coverage and a $1,000 deductible.

Insurance Company
Average Annual Premium
Westfield$895
Usaa$1,055
Allstate$1,164
Erie$1,253
State Farm$1,316
Nationwide$1,331
Auto Club Group$1,978
Asi$2,080
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.

Cost of homeowners insurance in West Virginia

The average cost of homeowners insurance in West Virginia is $1,392 per year for a $1,000 deductible policy with a dwelling coverage amount of $300,000. Your exact rate depends on your location, how much coverage you need, and the insurance company you choose. The higher your coverage limits, the higher your premiums.

Some other factors that affect your premium include your home’s structure, age, size, local building costs, your chosen deductible, ZIP code, and even your credit history. Older homes are often more expensive to insure since they typically have more issues than newer homes.

Cost of homeowners insurance by dwelling coverage amount

Your dwelling coverage amount significantly affects how much you pay for your home insurance policy. Dwelling coverage is the most important part of a home insurance policy, covering property damage after a covered loss, such as a fire. The higher your dwelling coverage amounts, the higher your premium.

Check out the table below to see how much your premium can increase when you pick higher dwelling coverage limits for your house. The average annual premiums below are for homeowners policies with a $1,000 deductible.

Coverage Limit
Average Annual Premium
$100,000$716
$200,000$1,063
$300,000$1,392
$400,000$1,705
$500,000$2,037

Cost of homeowners insurance by deductible

Your home insurance deductible is how much you’ll have to pay out of pocket for damages before your homeowners insurance coverage kicks in. Home insurance deductibles are generally $500$2,000: The amount you choose will affect your premium. The higher your deductible, the lower your premium, and vice versa.

Check out the table below to see how your premium for a policy with $300,000 in dwelling coverage can change based on your deductible.

Deductible Amount
Average Annual Premium
$500$1,449
$1,000$1,392

How to get cheap homeowners insurance in West Virginia

You can get cheap homeowners insurance in West Virginia in multiple ways, including:

  • Compare home insurance quotes. Make sure to compare quotes from multiple insurance companies before buying a policy. This is the best way to save money on home insurance since each insurer weighs rating factors differently.

  • Apply for discounts. Discounts are an excellent way to save money on your homeowners insurance policy. Many home insurance companies offer a variety of discounts. For example, bundling your home insurance with your auto insurance is a common discount that could save you hundreds. Talk to an agent to learn more about your discount options.

  • Increase your deductible. Increasing your deductible lowers your monthly premiums, but you’ll pay more out of pocket after a claim. Just ensure you can afford to pay a higher deductible before increasing it.

  • Improve your credit. Improving your credit is another way of lowering your home insurance premiums, as insurance companies consider your credit history when determining your rate. Better credit indicates a lower likelihood of filing a claim, so you’ll pay lower premiums than homeowners with poor credit.

Compare Top Home Insurers in West Virginia

Insurify partners with top insurers for real-time quotes

Secure. Free. Easy-to-use.
Based on 3,806+ reviews
4.8/5
Shopper Approved
ProgressiveLiberty MutualAllstate

How much homeowners insurance do you need in West Virginia?

West Virginia state law doesn’t require homeowners to have home insurance coverage, but it’s always a good idea to purchase it. Home repair and replacement expenses can be extremely expensive without help from an insurance company. If you have to take out a mortgage on your home, your mortgage lender may require you to carry homeowners insurance anyway.

The 80/20 rule is a good guideline to follow for how much home insurance coverage to buy. You should purchase coverage equal to or greater than 80% of your home’s replacement cost. And no matter how much dwelling coverage you buy, you should know exactly what your home insurance policy covers since it doesn’t cover everything.

What are some of the biggest risks when owning a home in West Virginia? 

Owning a home in West Virginia comes with numerous perils that homeowners should be aware of, including, but not limited to:

  • illustration card https://a.storyblok.com/f/162273/150x150/d2251ba1fd/weather-96x96-blue_018-tornado.svg

    Tornadoes

    While West Virginia doesn’t experience the most severe tornadoes in the country, it’s not exempt from them either. As of June 2024, West Virginia has experienced 16 tornadoes in the year to date.[1] Home insurance typically covers tornado and wind damage, but you should check with your insurer to make sure.

  • illustration card https://a.storyblok.com/f/162273/150x150/0194b78427/weather-96x96-orange_043-flood.svg

    Floods

    West Virginia is no stranger to flooding. From 2019–2023, the state experienced 380 flash floods, according to the National Oceanic and Atmospheric Administration.[4] Unfortunately, standard home insurance policies don’t cover flood damage or water damage resulting from flooding, so you’ll need to purchase a separate policy either from your insurance company or through the National Flood Insurance Program (NFIP) to protect your home and personal property from disaster.

  • illustration card https://a.storyblok.com/f/162273/150x150/bc1c474c28/weather-96x96-yellow_045-thunder.svg

    Thunderstorms

    Every summer, the Mountain State experiences storms involving lightning, thunder, and wind, which can damage a home if severe enough. Home insurance usually covers the damage from these storms, but it’s still important for West Virginia residents to be aware and prepared.

West Virginia homeowners insurance FAQs

Securing home insurance is a serious decision. If you still have questions and need help deciding, check out this additional information.

  • How much is home insurance in West Virginia?

    Homeowners insurance in West Virginia costs $1,392 per year with $300,000 in dwelling coverage and a $1,000 deductible. Your premium could be more or less depending on your dwelling coverage amount and deductible.

    The state is prone to flash floods, so homeowners in high-risk areas may also want to consider adding flood protection to their policy.

  • Which company has the cheapest homeowners insurance in West Virginia?

    Westfield offers the cheapest homeowners insurance in West Virginia, with an annual premium of $895. Other cheap insurers include USAA and Allstate, which offer annual premiums of $1,055, and $1,164, respectively.

  • Does West Virginia require homeowners insurance?

    No. West Virginia doesn’t legally require homeowners insurance, but your mortgage lender may require you to have a policy.

    Even if you’ve paid off your mortgage, it’s still important to protect your home and property. In the event of a natural disaster, fire, or burglary, home insurance can help cover the cost of repairs or replacement that you otherwise may not be able to afford out of pocket.

  • What is the most common type of homeowner insurance?

    An HO-3 policy is the most common type of homeowners insurance. It provides personal property and dwelling coverage for various perils including fires, tornadoes, windstorms, and theft. But it doesn’t cover flooding, so homeowners in high-risk areas will need to purchase a separate flood insurance policy.

Sources

  1. 2024: A Record Year for Tornadoes in West Virginia (Updated June 17th). "NOAA."
  2. Vivint. "The Safe Cities in West Virginia."
  3. Cnbc.com. "What homeowners need to know as insurers leave high-risk climate areas."
  4. Weather.gov. "Flooding in West Virginia."
Danny Smith
Danny Smith

Danny is a Brooklyn-based writer with a producer’s license for property and casualty insurance. A former editor at Insurify, he specializes in auto, home, and pet insurance. He works to translate his insurance expertise into digestible, easy-to-understand content for drivers, homeowners, and pet owners alike.

Sara Getman
Edited bySara GetmanAssociate Editor
Sara Getman
Sara GetmanAssociate Editor

Sara Getman is an Associate Editor at Insurify and has been with the company since 2022. Prior to joining Insurify, Sara completed her undergraduate degree in English Literature at Simmons University in Boston. At Simmons, she was the Editor-in-Chief for Sidelines Magazine (a literary and art publication), and wrote creative non-fiction.

Outside of work, Sara is an avid reader, and loves rock climbing, yoga and crocheting.

Andrew Huang
Data reviewed byAndrew HuangVP, Marketing & Analytics
Headshot of Andrew Huang, Directory of Analytics at Insurify
Andrew HuangVP, Marketing & Analytics
  • Chartered financial analyst

  • 12+ years in data analysis and marketing

Andrew applies his vast knowledge of analytics and insurance industry trends to help inform Insurify’s content and marketing efforts.

Featured in

media logomedia logomedia logo

Compare Home Insurance Quotes Instantly

Secure. Free. Easy-to-use.
Based on 3,806+ reviews
4.8/5
Shopper Approved
ProgressiveLiberty MutualAllstate

Latest Articles

View all