Homeowners Insurance in West Virginia

Homeowners insurance shouldn't be stressful. Compare rates by city and carrier below.

How to find cheap homeowners insurance in West Virginia


Homeowners insurance may be optional, but it's important. It helps to protect your belongings in the event your house is damaged. A homeowners insurance policy protects your dwelling, personal property, and other buildings against a number of calamities, including wind damage, fire, theft, vandalism, and others.

Major differences exist in home insurance rates from state to state. Homeowners rates in a given state may vary depending on the value of — and frequency of — homeowners claims filed in that particular state, and depend on the value of the dwelling and belongings being insured.

The best way to acquire an affordable homeowners insurance policy in West Virginia is to get quotes from multiple insurance companies. Learn home insurance rates in West Virginia by reviewing the below data. Your rates may vary, depending on your coverage limits.


Home insurance in West Virginia:
  1. By company
  2. Rates by city
  3. Bundling

Home insurance prices in West Virginia by insurer

Prices for home insurance in West Virginia can vary depending on which insurance company you use. Safeco offers the most affordable homeowners insurance in West Virginia, at just $914 per year. This compares favorably to the state average cost of $1,366, providing a $452 price cut on the state's average rate.

Start searching for affordable homeowners coverage by reviewing the cheapest West Virginia insurance companies, detailed below.


THE CHEAPEST HOMEOWNERS INSURANCE COMPANIES IN WEST VIRGINIA
CompanyAverage 12-Month Rate in West Virginia
Safeco$913.73
American Select$925.15
USAA$1,127.72
Erie$1,177.88
Allstate$1,368.87

West Virginia home insurance prices: by city

Not all West Virginia cities have the same homeowners insurance rates. Policy pricing depends on local variables such as the likelihood of weather-related claims in the area, giving your ZIP code weight in deciding how much you pay.

The best homeowners insurance in West Virginia is available in Martinsburg. An average homeowners insurance policy in Martinsburg costs just $1,114 per year — $251 less than the average West Virginia rate. The below cities have the most affordable home insurance in West Virginia.


AFFORDABLE CITIES FOR HOME INSURANCE IN WEST VIRGINIA
CityAverage Annual Home Insurance Rate
Martinsburg$1,114.42
Morgantown$1,126.31
Clarksburg$1,179.72
Fairmont$1,198.50
Bridgeport$1,204.61

West Virginia insurance bundling discounts: home and auto

If you’re seeking ways to save on your insurance expenditures, consider purchasing your home and auto policies from the same insurance company. Bundling homeowners and auto insurance in West Virginia can lead to substantial savings on auto insurance. Bundling home and auto policies in West Virginia results in yearly savings of $84.


HOME AND AUTO INSURANCE BUNDLING SAVINGS IN WEST VIRGINIA
Avg. Annual Auto Insurance Rate (No Bundle)Avg. Annual Auto Insurance Rate (Bundle)Annual Bundle SavingsBundle Savings %
$1,389.00$1,305.00$84.006%

One of the best ways to save on auto insurance is bundling. Start shopping today!


Find affordable insurance!