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Renters insurance may be optional, but it's important. It helps to protect your belongings in the event your rental property sustains damage. A renters policy protects your items in the event of smoke or fire damage, a wind storm, vandalism or theft, and a collection of other events.
Unlike car insurance, renters policies aren’t priced based on state-level legislation. That said, there are often gaps in the cost of renters insurance policies by state. Renters prices in a given state diverge based on the value of — and total number of — renters policy claims filed in that state, and depend on the value of the belongings being insured.Getting renters insurance in West Virginia is less expensive than the US average. The average annual cost of renters insurance in West Virginia is $177, $8 less expensive than in other states.
The best way to get an affordable renters insurance policy in West Virginia is to get quotes from as many insurance companies as you can. Find out average renters insurance rates in West Virginia via the below data. Individual rates may vary depending on coverage options and the value of your belongings.
Renters insurance prices in West Virginia can vary depending on which insurance company you choose. Safeco underwrites the most affordable renters insurance in West Virginia — $90 each year. This compares favorably to the state's average cost of $177, providing a 49% price break on average policy costs statewide.
Start searching for cheap renters insurance by viewing average rates from top West Virginia carriers, listed below.
| Carrier | Average Annual Rate in West Virginia |
| Safeco | $90.00 |
| USAA | $139.77 |
| Allstate | $145.50 |
| American Select | $158.09 |
| Erie | $161.77 |
Renters insurance rates in West Virginia vary depending on the city. Prices may depend on local variables such as the number of claims filed in the immediate area, lending your ZIP code plenty of weight in deciding how much you pay.
The cheapest renters insurance in West Virginia is available in Fairmont. An average renters insurance policy in Fairmont costs $169 every 12 months — $63 less than the average West Virginia rate. The below table shows the best places to live in West Virginia if you’re looking for cheap renters insurance.
| City | Average Yearly Renters Insurance Rate |
| Fairmont | $169 |
| Clarksburg | $169 |
| Bridgeport | $170 |
| Martinsburg | $172 |
| Morgantown | $172 |
If you want to save on insurance, consider holding your renters and auto policies with the same insurance company. A renters and auto insurance bundle in West Virginia can lead to substantial savings on car insurance. Purchasing bundled policies in West Virginia may earn you yearly savings of $58.
| Avg. Annual Auto Insurance Rate (No Bundle) | Avg. 12-Month Auto Insurance Rate (Bundle) | Annual Bundle Savings | Bundle Savings % |
| $1,420.04 | $1,362.16 | $57.88 | 4% |
You can save money on insurance by bundling your renters and auto policies. Start shopping today!
Renters insurance can bring many benefits to renters in West Virginia, including protections against liability claims and coverage for you personal belongings. Some landlords may require the coverage be carried before you move into the property.
West Virginia has many providers of renters insurance. We recommend shopping around with many companies to find the best rates and coverage for your needs.