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Kristine Lee

Insurance Analyst

  • Licensed Insurance Agent — Property and Casualty
  • 4+ years of Experience in the Insurance Industry

Kristine is a licensed insurance agent who joined The Zebra in 2019 as an in-house content researcher and writer. Before joining The Zebra, she was a…

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Ross Martin

Insurance Writer

  • 4+ years in the Insurance Industry

Ross joined The Zebra as a writer and researcher in 2019. He specializes in writing insurance content to help shoppers make informed decisions.

Ross h…

How to get affordable renters insurance in West Virginia

Renters insurance is an optional — but important — product that works to keep your belongings safe in the event your rental property suffers damage from common incidents. A renters policy covers your items in the event of fire, smoke damage, a wind storm, vandalism or theft and a variety of other misfortunes.

Unlike auto insurance, renters policies aren’t priced based on state-level legislation. Still, there are relatively large differences in renters pricing by state. Renters insurance prices by state differ depending on the value and number of renters policy claims filed in that particular state, and depend on the value of the belongings covered by the policy.

Renters insurance in West Virginia is less expensive than the nationwide average. The average annual cost of renters insurance in West Virginia is $177, $8 less expensive than in other states.

The easiest way to acquire an affordable renters insurance policy in West Virginia is to view prices from as many companies as possible. Get an idea of average renters insurance rates in West Virginia via the below breakdown. Individual rates may vary depending on coverage options and the value of your belongings.

Jump to:
  1. Rates by company
  2. Rates by city
  3. Rates by coverage level
  4. Bundling discounts
  5. Frequently asked questions


Renters insurance prices in West Virginia by company

Renters insurance rates in West Virginia differ depending on which insurance company you use. Safeco provides the cheapest renters insurance in West Virginia, at only $90 yearly. This beats the state average cost of $177, offering a 49% price cut on the state's average rate.

Begin your search for affordable coverage by reviewing the most affordable West Virginia insurance companies, listed below.

Insurer Average Annual Rate in West Virginia
Safeco $90
USAA $140
Allstate $146
American Select $158
Erie $162

West Virginia renters insurance costs by city

Renters insurance rates in West Virginia vary by city. Rates are determined based on on city-specific variables, including the number of claims filed nearby, giving your ZIP code weight in deciding how much you pay.

The cheapest renters insurance in West Virginia is available in Fairmont. The average renters insurance policy in Fairmont costs only $169 every 12 months — $63 less than the average policy in other West Virginia cities. Reference the below table to see the cheapest cities in West Virginia for renters insurance.

City Average 12-Month Renters Insurance Rate
Fairmont $169
Clarksburg $169
Bridgeport $170
Martinsburg $172
Morgantown $172

Renters insurance in WV by coverage tier

Your renters insurance rates will vary depending on the amount of coverage you purchase. Two of the most common levels of renters insurance coverage are $25,000 and $50,000. In West Virginia, the annual cost differential between these options is about $59. If you can afford the up-front expense, it's worth considering.

Coverage Level Average Annual Renters Insurance Rate in West Virginia
$25K Property $147
$50K Property $206

Tip: bundle auto and renters insurance in West Virginia

If you're trying to save on insurance, consider carrying your renters and auto policies with the same insurance company. Bundling renters and auto insurance in West Virginia can save you a substantial sum each month on car insurance. Bundling policies in West Virginia may earn you average annual savings of $58.

Avg. Annual Rate (No Bundle) Avg. Annual Rate (w/ Bundle) Annual Savings ($) Annual Savings (%)
$1,420 $1,362 $58 4%

West Virginia renters insurance FAQs


Is renters insurance required in West Virginia?

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.

What does West Virginia renters insurance cover?

In West Virginia, renters insurance will replace personal belongings should they be destroyed, lost, or stolen. Most policies will also provide liability coverage, medical payments to others, and will cover temporary housing costs should your home be uninhabitable.

Need renters insurance? Talk to an expert today.

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 editorial 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.