We analyzed data from more than 150 insurance companies to help you find affordable home insurance in West Virginia.
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The average cost of home insurance in West Virginia is $1,366 per year or $114 per month—slightly less than the national average. The easiest way to get a cheap homeowners insurance policy in West Virginia is to get quotes from as many insurers as possible.
Home insurance, unlike car insurance, isn't governed by state legislation. Yet, there are still significant differences in homeowners insurance costs from state to state. Like in all US states, home policy rates in West Virginia may differ based on the number and value of homeowners claims filed across the state and the value of the belongings and home insured on the policy.
Learn more about typical home insurance rates in West Virginia via the below data.
Rates for home insurance in West Virginia will vary depending on the insurance company you select. Safeco offers the cheapest home insurance in West Virginia, at just $914 each year. This is less than West Virginia's average cost of $1,366, which is $452 less than average in the state.
Begin your search for an affordable homeowners insurance policy by viewing average rates from top West Virginia home insurance carriers, listed below.
|Insurance Company||Average Yearly Rate in West Virginia|
The amount of home coverage you select has an impact on your insurance rates. In West Virginia, carrying $200,000 dwelling coverage costs an average of $1,028 per year, while maintaining coverage up to $400,000 costs as much as $1,695 per year.
|Coverage Level||Average Annual Cost|
One of the many decisions that you will make when looking at homeowners insurance policies is how high to set your deductible. The deductible is the amount the insured is responsible for paying toward a covered loss. Where you choose to set your homeowners deductible is linked to how much you pay in insurance premiums.
Put simply, a higher deductible means lower insurance costs. Therefore, it might make sense to set a higher deductible if you are hoping to lock in lower insurance rates. Bear in mind: your deductible should not be so high that you would struggle to pay it in the event of a loss.
Have a look at some of the standard deductibles offered by home insurance companies and an approximation of average premiums.
|Deductible Tier||Average Annual Homeowners Insurance Rate|
Homeowners insurance rates in West Virginia differ by city. Prices depend on locally specific variables such as the number of local claims filed, meaning your specific ZIP code impact how much you pay.
The most affordable home insurance rates in West Virginia are available in Martinsburg. The average home insurance policy in Martinsburg costs only $1,114 per year — $251 less than the average policy in other West Virginia cities. The below cities have the most affordable homeowners insurance in West Virginia.
|City||Average 12-Month Home Insurance Rate|
If you want to save on homeowners insurance, consider purchasing your home and auto policies from the same insurance company. A home and auto insurance bundle in West Virginia can lead to substantial savings on your auto insurance bill. Bundling home and auto policies in West Virginia leads to a yearly discount of $84.
Avg. Annual Rate (No Bundle)
Avg. Annual Rate (w/ Bundle)
Annual Savings ($)
Annual Savings (%)
Companies offering mobile home insurance in West Virginia include GEICO, Farmers, Erie, and Allstate to name just a few. We suggest that you shop around to find the company with good rates and a policy that is right for you.
West Virginia does not require residents to carry homeowners coverage. It is, however, fairly likely that your mortgage lender will require you to buy and maintain this insurance as a stipulation of the lending agreement.
Flood damage in West Virginia or any other state, regardless of cause, is not covered by homeowners insurance policies. To insure your home against flood damage, acquire insurance through FEMA's National Flood Insurance Program (NFIP) or via a private insurer.
Flood insurance coverage from private companies may vary, but NFIP flood insurance covers:
If the value of your personal property and home exceeds these limits, consider purchasing a flood insurance policy from our partners at Neptune for additional protection.
The Zebra is not an insurance company. We publish data-backed, expert-reviewed resources to help consumers make more informed insurance decisions.
The Zebra’s insurance content is written and reviewed for accuracy by licensed insurance agents.
The Zebra’s insurance content is not subject to review or alteration by insurance companies or partners.
The Zebra’s editorial team operates independently of the company’s partnerships and commercialization interests, publishing unbiased information for consumer benefit.
The auto insurance rates published on The Zebra’s pages are based on a comprehensive analysis of car insurance pricing data, evaluating more than 83 million insurance rates from across the United States.