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Home insurance in West Virginia: what you need to know

 

The easiest way to get a cheap home insurance policy in West Virginia is to get quotes from as many insurers as possible. Learn home insurance rates in West Virginia via the below data. Your rates may vary, depending on your coverage details.

 
Home insurance in West Virginia — table of contents:
  1. Cheap companies
  2. Rates by city
  3. Rates by coverage level
  4. Rates by deductible level
  5. Insurance bundling discounts
  6. FAQs
 

The best cheap home insurance companies in West Virginia

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 a homeowners insurance policy by viewing average rates from top West Virginia home insurance carriers, listed below.

 
HOME INSURANCE RATES IN WEST VIRGINIA: BY CARRIER
Insurance CompanyAverage Annual Rate in West Virginia
Safeco$914
American Select$925
USAA$1,128
Erie$1,178
Allstate$1,369
 

West Virginia home insurance costs by city

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.

 
AFFORDABLE HOME INSURANCE CITIES IN WEST VIRGINIA
CityAverage Yearly Home Insurance Rate
Martinsburg$1,114
Morgantown$1,126
Clarksburg$1,180
Fairmont$1,199
Bridgeport$1,205
 

Home insurance prices in West Virginia at common coverage levels

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.

 
HOMEOWNERS INSURANCE RATES IN WEST VIRGINIA — COMMON COVERAGE TIERS
Coverage LevelAverage Annual Cost
$100,000 Dwelling$750
$200,000 Dwelling$1,028
$250,000 Dwelling$1,191
$400,000 Dwelling$1,695
 

Homeowners insurance deductibles in West Virginia

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.

 
HOME INSURANCE RATES BY DEDUCTIBLE TIER IN WEST VIRGINIA
Deductible LevelAverage Annual Home Insurance Rate
$500$1,240
$1,000$1,191
$1,500$1,113
$2,000$1,044
$5,000$902
 

West Virginia insurance bundling discounts: homeowners and auto

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.

 
HOME AND AUTO INSURANCE BUNDLING SAVINGS IN WEST VIRGINIA

Avg. Annual Rate (No Bundle)

Avg. Annual Rate (w/ Bundle)

Annual Savings ($)

Annual Savings (%)

$1,389$1,305$846%
 

 

West Virginia homeowners insurance FAQs

 

Which companies insure mobile homes in West Virginia?

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.

Is homeowners insurance required in West Virginia?

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.

Find an affordable policy today by comparing rates.

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Ross Martin
Ross MartinManager, Content Quality

As a licensed insurance agent, Ross researches and writes insurance content intended to help users make informed decisions.

Ross's background is in writing and education. He holds a master's degree from Royal Holloway, University of London.

Ross's work has been cited by The New York Times, Investopedia, The Simple DollarThe BalanceCar and Driver and Fox Business. He has been quoted by CNET, I Drive Safely and Kin Insurance

About The Zebra

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.