The Best Homeowners Insurance in West Virginia [2023]


Find a top-ranked Homeowners Insurance Agency in your area

If you’ve ever visited West Virginia in the fall, you probably just about convinced yourself to move there on the spot. Boasting some of the most beautiful autumnal scenes, the Mountain State has much to offer its residents. Those who live in West Virginia are mountain lovers at heart as it is the only state completely in the Appliacian Mountain range. 

Aside from the above perks, the low cost of living and insurance rates under the national average make it an attractive place to settle down. 

We at have analyzed a handful of home insurance companies. We’ll uncover everything to know about homeowners insurance in West Virginia, and help you find the most comprehensive, cheapest coverage to suit your needs.

Average Cost of Homeowners Insurance in West Virginia

The average cost of homeowners insurance in West Virginia is $918 per year according to ValuePenguin

The cost of homeowners insurance in West Virginia can differ vastly based on a few key factors:

  • The age of your home: Is your West Virginia home an older home that is at risk of more structural wear and tear?

  • The square footage of your home: How big is your home? In general, larger homes will cost more to insure.

  • The materials used to build your home: Was your West Virginia home built using materials prone to things like rotting or structural damage?

  • Building costs in your area: Because insurance deals with repairs and replacement, coverage increases with increased building costs.

  • The location in which you live: What are crime rates like? How close are you to a fire department? How close are you to a coal mine or a flood zone?

  • Any additional features: Does your house have a swimming pool or hot tub that could pose a potential risk to guests? Do you have pets, and if so, what are their breeds? Surprisingly, insurers will look at these things when assessing prices.

  • Your deductible: A higher deductible will decrease your premium, but could cost you more if you file a claim. Talk to your insurance provider about diminishing deductibles to get the best plan that suits your payment needs.

West Virginia Homeowners Insurance Rates by City

It’s no surprise that homeowners insurance rates and policies can vary greatly depending on where you live in the state.

Below is a breakdown of the average annual insurance rates for the 10 most populated cities in West Virginia:


Average Annual Rate











The Best Homeowners Insurance in West Virginia

After extensive research, we at found the following insurance agencies to provide the best, comprehensive home insurance coverage in West Virginia:

State Farm logo

State Farm

Average Annual Rate: ~ $700

Notes: Most affordable option; Great for high value homes

Erie Insurance logo

Erie Insurance

Average Annual Rate: ~ $850

Notes: Comprehensive coverage options; offers add-on service line coverage 

Allstate logo


Average Annual Rate: ~ $1,000

Notes: Various optional forms of coverage available

Nationwide logo


Average Annual Rate: ~ $950

Notes: Exceptional quality service

Cheapest Homeowners Insurance in West Virginia

The cheapest homeowners insurance coverage in West Virginia is State Farm.

It’s important to remember that prices vary depending on each person’s unique scenario, but if cost is the most important variable for you, check State Farm’s coverage options and exclusions first.

Searching on phone

Find Cheap Homeowners Insurance in Your Area


Below, we tackle some common questions to help you make a more informed decision about which homeowners insurance to choose in West Virginia specifically.

How to Reduce Homeowners Insurance Costs in West Virginia

As we’ve pointed out, the price you pay for West Virginia home insurance can vary substantially across insurers. 

Here are a few ways to reduce costs:

  • Increase your deductible. This will help reduce monthly costs to your insurer, but it may mean paying more out of pocket should you need to make a claim. Similarly, paying your 6-month or 1-year premium in full will drive down monthly costs.

  • Bundle policies. Bundling your home and auto insurance can help you save 5–15% on your premiums. Talk to your insurance provider about home and car insurance bundling options and how that helps you save.

  • Take the necessary steps to make your home disaster-resistant. Some examples include:

    • Install a smoke detector and/or fire alarm.

    • Get a burglar alarm and/or dead-bolt locks.

    • Install a sprinkler system.

  • Nix the high-risk accessories. Similar to the above point, rid your home of things that are considered “high risk.” For example, did the kids go off to college? Time to throw out that trampoline that’s sitting in the backyard.

  • Seek out other discounts. Some things to look into:

    • Do you work from home? Insurance providers may feel you’re less prone to theft or may spot a fire or flood sooner.

    • Are you retired? You may qualify for a discount. 

    • Does your employer offer a group deal?

    • Even something as simple as choosing paperless billing can help you save!

  • Keep good credit. Some agencies will look at your credit history and charge less for those with good financial strength and standings.

As always, consult your insurance agent to see which of the above discounts you qualify for.

West Virginia Insurance Options in Your City

At, our goal is to connect West Virginia residents and renters with the best local experts and agencies, so you can find the home insurance policy that safely insures your home and most prized possessions. 

View our list of the 7 best homeowners insurance agencies here

Our methodology evaluates each provider based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.