The 3 Best West Virginia Homeowners Insurance Companies

The steep terrain of the Mountain State equates to steep homeowners insurance premiums. The average annual premium in West Virginia is $1,288, which is 5 percent higher than the national average of $1,228, according to Insurance.com. When shopping for the best homeowners insurance in West Virginia, consider policy prices as well as climate risks, including floods, fires and winter storms, which can lead to property damage.

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      To help you narrow down the best homeowners insurance companies in West Virginia, we’ve outlined our top picks and included an online quote tool so you can easily compare coverage options and rates in your area.

      Our Top Picks for Best Homeowners Insurance in West Virginia

      State Farm

      Residents of the Mountain State choose State Farm because the insurer offers flexible coverage options and outstanding claims services.

      J.D. Power Rating
      3/5
      AM Best Rating
      A++
      Standard & Poor’s
      AA
      SimpleScore
      4 / 5.0
      close
      SimpleScore State Farm 4
      Discounts 2
      Coverage Options 5
      Customer Satisfaction 3
      Support 5
      Accessibility 5

      State Farm is the largest provider of homeowners insurance in West Virginia, holding nearly 15 percent of the market there.

      Whether your West Virginia home is a standard single-family dwelling, a condominium, a mobile home or a farm or ranch, State Farm offers policies to meet the specific needs of your living situation and budget.

      Baseline policies can be enhanced with add-on coverage for personal liability, injury and identity theft. Customers who work from home and have either an office or day care can also find additional coverage from State Farm to protect their home business assets. State Farm has an A++ rating from A.M. Best for superior financial and operational performance.

      In the event that you experience a loss and need to file a claim, State Farm has one of the largest claims networks in the world. Contacting an agent is a hassle-free process: Go online, visit a local office, call the 24/7 claims hotline or use the PocketAgent mobile app.

      State Farm offers tools such as the HomeIndex personal possession inventory, which helps you keep track of your covered belongings so you can eliminate the guesswork if you experience an emergency. If your home requires water mitigation or floor repair following a covered loss, State Farm’s Premier Service Program can get you in touch with a vetted local contractor to perform the maintenance necessary to restore your home. The company will guarantee the work for one calendar year so you can feel confident in the quality of work that is done.

      Nationwide

      Nationwide offers West Virginia residents affordable homeowners insurance with flexible coverage options and an array of premium discounts. With Nationwide, standard coverage can easily be tailored to fit your budget and protect the things that matter most to your family.

      J.D. Power Rating
      3/5
      AM Best Rating
      A+
      Standard & Poor’s
      AA+
      SimpleScore
      4.2 / 5.0
      close
      SimpleScore Nationwide 4.2
      Discounts 3
      Coverage Options 5
      Customer Satisfaction 3
      Support 5
      Accessibility 5

      The company offers its unique Brand New Belongings coverage, for example, which permits you to replace any items damaged or destroyed in a covered loss with the latest versions available. Likewise, the Better Roof Replacement option helps you rebuild your roof with impact-resistant materials after a loss, which can save you money in future repair costs.

      Nationwide customers can save on their West Virginia homeowners insurance policy by taking advantage of discount opportunities, such as a 30 percent premium cut for insuring a newer home, 20 percent off for bundling home and auto policies, 15 percent for installing security devices and 5 percent for being married. It also offers discounts if you live in a gated community or make upgrades to your home’s plumbing or HVAC systems.

      New and existing Nationwide customers can also take advantage of the company’s free On Your Side Review. This insurance consultation walks you through managing your deductible and selecting the optimal level of coverage to meet your needs and helps ensure that you understand the claims process and what steps to take should you experience a loss.

      Erie Insurance

      Erie Insurance provides West Virginia homeowners with some of the lowest premium rates in the state, along with a consistently well-rated customer service department and an A+ financial strength rating from A.M. Best. It’s also earned a spot on Ward Benchmarking’s 2018 list of 50 top-performing property-casualty insurers.

      J.D. Power Rating
      3/5
      AM Best Rating
      A+
      Standard & Poor’s
      AA
      SimpleScore
      3 / 5.0
      close
      SimpleScore Erie Insurance 3
      Discounts 2
      Coverage Options 4
      Customer Satisfaction 3
      Support 3
      Accessibility 3

      Erie’s Home Protector policy offers customers a choice of three tiers of coverage:

      • Broadcover covers named damage, such as fire and theft, to personal property and buildings.
      • Extracover provides comprehensive coverage on buildings.
      • Ultracover provides comprehensive coverage on both your personal property and buildings.

      Erie also offers the ErieSecure Home policy option, which includes added benefits such as exclusive discounts, guaranteed replacement cost, bundled endorsements for popular add-on coverages and superior claims service. To learn more about the varying degrees of coverage for Erie’s HomeProtector and ErieSecure Home policies, and to determine whether insuring with Erie is the right choice for your home and budget, contact a local West Virginia Erie agent.

      How much is homeowners insurance in West Virginia?

      Homeowners insurance in West Virginia averages $1,288 per year, which is more than the national average of $1,228. The exact amount you’ll pay depends on the city you live in and several other factors.

      West Virginia Rate Factors

      If you live in an area that is prone to flooding, you can expect to pay more for homeowners insurance when you bundle flood coverage into your plan. Other threats to West Virginia homes are hail storms, thunderstorms with high winds, and heavy snow, all of which factor into the cost of homeowners insurance premiums. How close you live to a fire station and the age of your home are a couple of other variables that affect your homeowners insurance rate.

      Methodology

      SimpleScore

      The SimpleScore is a proprietary scoring metric we use to objectively compare products and services at The Simple Dollar.
      For every review, our editorial team:

      • Identifies five measurable aspects to compare across each brand
      • Determines the rating criteria for each aspect score
      • Averages the five aspect scores to produce a single SimpleScore

      Here’s a breakdown of the five aspect scores and their rating criteria for our reviews on home insurance.

      Why do some brands have different SimpleScores on different pages?

      To ensure the SimpleScore is as helpful and accurate as possible, we developed unique criteria for every category we compare at The Simple Dollar. Since most brands offer a variety of financial solutions, their products and services will score differently depending on what we’re scoring on a given page.

      However, it’s also possible for the same product from the same brand to have multiple SimpleScores. For instance, if we compare State Farm’s home insurance according to our criteria for the best home insurance, it scores a 3.8 out of 5. But when we compare State Farm according to the criteria for the best auto insurance, it scores higher, since the features the company offers can vary by the type of insurance.

      Discounts

      We looked at the number of discounts each company offers – more discounts mean a higher score.

      Coverage Options

      We awarded higher scores to the companies that offer more coverage options.

      Support

      We awarded higher scores to companies with the most channels for customer support.

      Customer Satisfaction

      We leveraged the J.D. Power 2019 Home Insurance Satisfaction Study℠ to see how customers rated their experience with each company. (If a company wasn’t included in J.D. Power’s study, we skipped this aspect and averaged the four remaining aspect scores.)

      Accessibility

      We looked at the level of accessibility of each company – the more resources they have the higher their score