The 3 Best West Virginia Homeowners Insurance Companies

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Thankfully, the steep terrain of the Mountain State does not equate to steep homeowners insurance premiums — the average rate in West Virginia hovers around $970 a year, about $200 less than the national average. When shopping for the best homeowners insurance in West Virginia, consider policy prices along with the various climate risks — including floods, fires, and winter storms — that 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.

State Farm

State Farm is the largest provider of homeowners insurance in West Virginia, owning nearly 15% of the state’s market. Residents of the Mountain State choose State Farm because the company 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 supplemented with add-on coverage for increased personal liability, injury, and identity theft protection. Customers who work from home and have either an office or daycare can also find additional coverage from State Farm to protect their home business assets.

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—either go online, visit a local office, call the 24/7 claims hotline, or use the PocketAgent mobile app.

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

harpers ferry, west virginia - homeowners insurance

Harpers Ferry, W.Va. Photo: KansasPhoto


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 to prevent future damage, ultimately saving 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% premium cut for insuring a newer home, 20% off for bundling home and auto policies, 15% for installing security devices, and 5% just for being married!

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 homeowers 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.

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

  • Broadcover covers named damage, like fire and theft, made 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 if insuring with Erie is the right choice for your home and budget, contact a local West Virginia Erie agent.

The 3 Best West Virginia Homeowners Insurance Companies

  • State Farm
  • Nationwide
  • Erie Insurance

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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