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Best Homeowners Insurance Agencies in West Virginia

Our Recommended Top 7

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Our goal is to connect people with the best local professionals. We scored West Virginia homeowners insurance agencies on more than 25 variables across five categories, and analyzed the results to give you a hand-picked list of the best.

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Learn about our selection process.

Providers

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Best Homeowners Insurance Agencies Serving West Virginia
Charleston

Expertise.com Rating

Review Sources

Google
4.8 (31)
Facebook
5.0 (15)

Why choose this provider?

Since 1917, Mountain State Insurance Agency has been providing the best risk management solutions to clients in West Virginia. It offers homeowners' insurance that protects customers' homes and personal belongings in case their properties get damaged due to a disaster. Liability protection is also included in the coverage. Additionally, the firm writes auto, workers' compensation, and medical malpractice insurance policies with its partner companies such as Travelers, Zurich, and CNA Surety. Owner Ross Johnson has earned the CIC designation.

Best Homeowners Insurance Agencies Serving West Virginia
Charleston

Expertise.com Rating

Why choose this provider?

White Insurance & Associates is an independent firm based in West Virginia. It provides homeowners' insurance that covers losses and damages to property caused by forces like wind, hail, and fire. This policy also covers injuries to others that the homeowner may be held legally liable for. The business' team members carry more than 110 years of combined experience in the industry and also write auto, motorcycle, and life insurance plans. Some of the agency's partner companies include The Hartford, Progressive, and National General.

Best Homeowners Insurance Agencies Serving West Virginia
Charleston

Expertise.com Rating

Review Sources

Google
4.8 (19)
Facebook
5.0 (11)

Why choose this provider?

Integrity Insurance Group LLC is an independent agency that caters to individuals and businesses in West Virginia. It helps customers obtain the best and cheapest insurance solutions that match their specific needs. Its team members write homeowners' insurance policies that include common coverages like loss of use, dwelling, personal property, personal liability, and medical expenses. Integrity Insurance Group provides other personal and commercial products such as auto, life, health, restaurant, cyber liability, and workers' compensation insurance.

Best Homeowners Insurance Agencies Serving West Virginia
Charleston

Expertise.com Rating

Why choose this provider?

Melinda Taylor has been a State Farm insurance agent since 1991. Operating in West Virginia, she helps clients obtain the best insurance solutions that meet their specific needs. She offers homeowners' insurance that protects customers from financial losses in case their properties get damaged by disasters like fire or windstorm. Taylor also provides auto, business, renters', pet, and health coverage. She is a National Convention, Bronze Tablet, Ambassador Travel, Chairman's Circle, and Millionaire Club qualifier.

Best Homeowners Insurance Agencies Serving West Virginia
Charleston

Expertise.com Rating

Review Sources

Facebook
4.8 (35)
Google
4.6 (26)

Why choose this provider?

Swor Insurance Agency guides and advises clients in West Virginia in planning for the unpredictable. It employs the best insurance agents in the state who provide policies that take care of the small and large risks related to owning a house. They create homeowners' insurance plans that cover property damage, loss of use expense, and personal liability in case someone gets injured at clients' properties The independent agency also offers auto, life, and business insurance plans from different providers.

Best Homeowners Insurance Agencies Serving West Virginia
South Charleston

Expertise.com Rating

Why choose this provider?

Since 2009, Asseff Insurance Agency has been serving clients in West Virginia. It writes the best insurance policies with its partner companies that include Erie Insurance, Encompass, Progressive, and Foremost. The agency's homeowners' insurance plans cover losses and property destruction from forces such as fire and wind and injuries caused to another person within the property. Other products include boat, condominium, life, motorcycle, and workers' compensation coverage. Anthony Asseff, the firm's principal agent, has been in the industry for almost 10 years.

Best Homeowners Insurance Agencies Serving West Virginia
South Charleston

Expertise.com Rating

Review Sources

Facebook
5.0 (59)
Google
4.5 (11)

Why choose this provider?

Located in West Virginia, Harless Insurance Agency represents companies like SCJ, Progressive, and Erie. It helps clients obtain the best insurance plans that suit their needs and requirements. Its team members write homeowners' insurance policies that cover repairs or replacements to damaged property due to disasters. This coverage also protects the insured from liability in cases of injuries caused to another person within the premises. Harless Insurance Agency's other products include auto, motorcycle, pet, workers' compensation, and life insurance.

Compare our Top Homeowners Insurance Agencies

NameExpertise RatingAddressPromotionsLearn more
Mountain State Insurance Agency
1206 Kanawha Boulevard East, Charleston, WV 25301
White Insurance & Associates
3512 Staunton Ave SE, Charleston, WV 25304
Integrity Insurance Group LLC
16 Capital Street, Charleston, WV 25301
Melinda Taylor - State Farm Insurance Agent
101 Pennsylvania Avenue, Charleston, WV 25302
Swor Insurance Agency
1618 Bigley Ave, Charleston, WV 25302
Asseff Insurance Agency
335 2nd Ave SW Suite 200, South Charleston, WV 25303
Harless Insurance Agency
90 Technology Drive, South Charleston, WV 25309

West Virginia Homeowners Insurance Agency FAQs

  • How do West Virginia residents obtain discounts on homeowners' insurance policies?

    Residents of West Virginia can save up to $50 on homeowners' insurance if their property is in a gated community and has a smart home monitoring system that detects water leaks and adjusts room temperature. They can qualify for homeowners' insurance policy discounts if they have no claim history and bought a home within the past 12 months. Homeowners who have made improvements or renovations to their property, such as installing a new HVAC system, can also reduce their insurance premiums.

  • What is the guaranteed replacement cost in West Virginia?

    The guaranteed replacement cost is an add-on or built-in to homeowners' insurance coverage that protects the policyholder against disaster losses in West Virginia. GRC can rebuild the damaged property to its former specifications and size, from the same roof materials and granite countertops to hardwood floors and custom bookshelves. Additionally, it does not have an amount limitation and no out-of-pocket expenses as it finances the total cost of home rebuilding, regardless of its value.

  • Why do insurers in West Virginia cancel homeowners' insurance policies?

    Insurers in West Virginia terminate a homeowners' insurance policy due to various reasons, such as the insured property violating a local health, fire, and safety ordinance or its taxes being delinquent for two or more years. The agency also cancels the policy if the holder has been involved in fraud or material misrepresentation. Insurers have the right to issue a notice of homeowners' insurance termination no less than 60 days after the policy has been in effect for these reasons.

  • What coverages are excluded from a standard homeowners' insurance policy in West Virginia?

    A standard homeowners' insurance policy does not cover flood-related damage, including mudslides and flash floods in West Virginia. The policy does not provide personal electronics coverage or cover the cost of replacing belongings that were lost or damaged due to fire or theft. Homeowners' insurance policyholders can purchase extended coverage options for structures, like garages and sheds, and personal belongings, such as high-end valuables, jewelry, and expensive firearms.

  • Can a resident of West Virginia add identity fraud expense coverage to their homeowners' insurance policies?

    Yes, residents of West Virginia can purchase identity fraud expense coverage on top of their homeowners' insurance plans. This coverage reimburses policyholders for out-of-pocket bills throughout the identity theft case, including legal fees and lost income, up to a certain limit. In addition, individuals can add personal injury liability coverage to their homeowners' insurance policies that helps them pay for related costs from slander or libel claims.

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