The 3 Best West Virginia Homeowners Insurance Companies

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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.

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.

Find the Best Home Insurance

Enter your ZIP code below and be sure to click at least 2-3 companies to find the very best rate.

Our Top Picks for Best Homeowners Insurance in West Virginia

State Farm

State Farm is the largest provider of homeowners insurance in West Virginia, holding nearly 15 percent of the market there. Residents of the Mountain State choose State Farm because the insurer offers flexible coverage options and outstanding claims services. 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.

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.

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.

The 3 Best West Virginia Homeowners Insurance Companies

Find the Best Home Insurance

Enter your ZIP code below and be sure to click at least 2-3 companies to find the very best rate.

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