Homeowners Insurance in West Virginia

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

How to find inexpensive home insurance in West Virginia


Homeowners insurance is an optional — but important — product that works to keep your belongings safe in the event your house or property suffers damage from common incidents. Home insurance protects your house and property from a variety of circumstances, including theft, fire, vandalism, or wind damage.

Unlike car insurance, homeowners policies aren’t priced based on state-level legislation. That said, major discrepancies exist in home insurance costs from state to state. Home insurance policy costs in US states may vary based on the frequency of — and value of — home insurance claims filed across the state, and depend on the value of the dwelling and belongings being insured.

The easiest way to find an affordable homeowners insurance policy in West Virginia is to get quotes from as many insurance companies as possible. Learn more about homeowners insurance costs in West Virginia by referencing the below data. Your rates may vary, depending on your coverage details.


West Virginia home insurance:
  1. Rates by company
  2. Rates by city
  3. Bundling
  4. FAQs

Home insurance rates in West Virginia by company

Homeowners insurance rates in West Virginia differ depending on which insurance company you use. Safeco offers the cheapest home insurance in West Virginia — $914 annually. This compares favorably to the state average cost of $1,366, offering a $452 price break on the state's average rate.

Get a head start on looking for a home insurance policy by reviewing the best West Virginia home insurance carriers, listed below.


THE CHEAPEST HOMEOWNERS INSURANCE COMPANIES IN WEST VIRGINIA
InsurerAverage Yearly 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 homeowners insurance costs: by city

Not every city in West Virginia has equal home insurance costs. Policy pricing depends on locally specific variables such as the number of local claims filed, meaning your specific ZIP code impact how much you pay.

The cheapest home insurance rates in West Virginia are available in Martinsburg. A typical home insurance term in Martinsburg totals just $1,114 per year — $251 less than the statewide average. The below cities have the most affordable homeowners insurance in West Virginia.


CHEAPEST HOME INSURANCE CITIES 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

How to save: bundle home and auto insurance in West Virginia

If you want to save on insurance, consider purchasing both your homeowners and auto insurance policies from one company. Bundling home and auto insurance in West Virginia can lead to substantial savings on auto insurance. Bundling home and auto policies in West Virginia results in average annual savings of $84.


HOME AND AUTO INSURANCE BUNDLING SAVINGS IN WEST VIRGINIA
Avg. 12-Month 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. Get started today!



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 you 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.

none

none



Compare rates from top car insurance companies.

Location pin icon
Your information is secure.