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2024

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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.

1007Reviewed

607Curated

7Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

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.

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.

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.

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.

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.

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.

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.

Compare our Top Homeowners Insurance Agencies

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

FAQs

  • Introduction

    Homeowners' insurance is a type of property insurance used by private property owners to protect their home and property from a range of risks and liabilities. It is also called home insurance.

    All homeowners' insurance policies cover the primary home on a property, meaning that most damage from weather, accidents, vandalism, and other events will be at least partially paid for by the insurance company. Many policies also include coverage for other structures, personal property, and some premises liability.

    It is not required by law that a homeowner purchases insurance for their property. However, if you have a mortgage, the lender will usually make purchasing a homeowners' policy a mandatory part of the loan process. Since the mortgage lender is essentially selling you the home, they require you to protect the investment.
  • What determines the price of homeowners insurance premium?

    The premium, or monthly cost, of your homeowners' insurance policy depends on several factors, including the value of your home and amount of coverage you choose. Your credit history and whether the property is in a higher risk area also play a role.

  • What is the difference between home warranty and homeowners insurance?

    Homeowners' insurance protects your home and property from damage from events that include storms, theft, and fires. A home warranty covers repair costs for parts of your home that eventually breaks down. For example, if a fallen tree damages your roof, it's typically covered by insurance, not the warranty.

  • Does Geico offer homeowners insurance?

    Because auto insurance is Geico's focus and where they invest the most in advertising, many people know the company only as a car insurance provider. On the contrary, Geico does offer a range homeowners' insurance policies that cover dwellings, personal property, and personal liability, among other provisions.

  • How long does homeowners warranty insurance last?

    Home warranties vary based on the provider of the coverage, but most home warranties last for one year. Once they run out, homeowners have the option of renewing the warranty or letting it lapse. If a covered item breaks down after the warranty period is over, repair costs won't be reimbursed.

  • Does homeowners insurance cover water heaters?

    Homeowners' insurance doesn't cover water heaters when they break down from normal wear and tear. An insurance policy may cover water damage to your home and property if it malfunctions, and if the water heater is damaged by a fire or an accident, home insurance may provide the costs to replace it.

  • Are RVs covered under homeowners insurance?

    Usually, an RV is covered under your homeowners' insurance, but that coverage will probably be subject to several exceptions and contingencies. For example, if you want to drive your RV, you'll either need car insurance or specialized RV insurance since the risks you'll face on the road do not fall under a homeowner's policy.

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