Homeowners Insurance in West Virginia

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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 home and your items from a number of circumstances, including wind damage, fire, theft, vandalism, and others.

Unlike auto insurance, homeowners policies aren’t priced based on state-level legislation. Even so, major differences exist in homeowners insurance costs on a state-by-state basis. Home insurance policy costs by state differ based on the number of — and value of — homeowners claims filed statewide, and depend on the value of the belongings and structures covered by the policy.

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:
  1. Homeowners rates by company
  2. Rates by city
  3. Rates by coverage level
  4. Rates by deductible level
  5. Insurance bundling discounts
  6. FAQs

Homeowners insurance rates in West Virginia by insurance company

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, offering a $452 price break on rates typical to 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 by 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

Compare Homeowners Insurance Rates

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 your 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. Yearly Auto Insurance Rate (No Bundle)Avg. 12-Month Auto Insurance Rate (Bundle)Annual Bundle Savings% Savings with Bundle
$1,389$1,305$846%

One of the best ways to save on auto insurance is to bundle your policies. Compare rates 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.

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Ross Martin LinkedIn

As a licensed insurance agent, Ross is responsible for researching and writing about all matters related to auto and home insurance. He has a background in writing and education, as well as a masters degree from Royal Holloway, University of London. He has been quoted by Kin Insurance, Safety.com, and autoinsuranceEZ.com.