The Best Cheap Renters Insurance in West Virginia
State Farm has the best cheap renters insurance in West Virginia. A policy costs $14 per month, on average.
Compare Renters Insurance Quotes in West Virginia
The best renters insurance offers affordable rates, useful coverage options and reliable customer service. We compared quotes from five top insurance companies across 24 of the largest cities in the state to find the best renters insurance in West Virginia.
Cheap renters insurance companies in West Virginia
The cheapest insurer for renters insurance in West Virginia is State Farm. A policy from State Farm costs around $612 per year, or $14 per month, which is 28% cheaper than the statewide average.
The average cost of renters insurance in West Virginia is $19 per month, or $225 per year.
Compare Renters Insurance Quotes in West Virginia
Renters insurance in West Virginia is 5% more expensive than the national average, which is $18 per month.
Cheapest renters insurance companies in West Virginia
Company | Monthly cost | |
|---|---|---|
| State Farm | $14 |
| Allstate | $16 |
| Amica | $19 |
| Nationwide | $20 |
| Liberty Mutual | $25 |
Best renters insurance for most people: State Farm
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Editor rating
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Average monthly rate
$14 ?
Pros and cons
State Farm is the best insurance company for most renters in West Virginia. The average price for renters insurance from State Farm is $14 per month in West Virginia. That's $5 per month less than the statewide average.
Customer service from State Farm is well-rated. It receives fewer complaints than a typical insurer of its size, according to the National Association of Insurance Commissioners (NAIC). The company also scored high on J.D. Power's customer satisfaction survey. It means renters can count on State Farm to help get their lives back on track quickly after an emergency.
State Farm’s only downfall is a shortage of optional coverages. While it provides the basics and a few extras like identity theft coverage and extended liability, it's missing other useful features like replacement cost coverage. and extra protection for valuables like jewelry.
Best for extra protection: Nationwide
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Editor rating
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Average monthly rate
$20 ?
Pros and cons
Renters willing to spend more for extra protection should consider Nationwide. The average cost of renters insurance from Nationwide is $20 per month. That makes it one of the more expensive options in West Virginia.
However, Nationwide has the best selection of coverage options. It's the only company we considered that has water backup coverage, which protects your belongings from flooding due to backed-up pipes or a faulty sump pump. It also has more common options like identity theft protection and replacement cost coverage.
These coverages are not included in a basic policy, though, so you'll pay more for each upgrade you choose.
Nationwide's customer service can be unpredictable. It receives fewer complaints than competitors of a similar size, according to the NAIC. But it scored below-average on J.D. Power's customer satisfaction survey. Renters insured with Nationwide may find the claims process more difficult than those who choose a different company.
Best customer service: Amica
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Editor rating
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Average monthly rate
$19 ?
Pros and cons
Renters looking for dependable customer service should compare quotes from Amica. The company has the best customer satisfaction scores in West Virginia. It receives only 12% as many complaints as an average insurer its size, according to the NAIC. ValuePenguin editors also gave Amica a high score based on its customer service reviews, coverage availability and the overall service it provides to renters.
Rates from Amica are affordable, too. On average, a policy costs $19 per month, which is $1 per month cheaper than average in West Virginia.
Amica also offers lots of discounts to help renters save money, including:
- Automatic payment discount
- Claim-free discount
- Multipolicy discount
- Paperless discount
Although Amica's coverage options are fairly basic, it offers sufficient protection for most renters.
Renters can increase coverage for valuable items, like jewelry and musical instruments, or purchase extra liability coverage. However, Amica doesn't offer as many useful options as other insurers.
West Virginia renters insurance rates by city
The cheapest renters insurance premiums in West Virginia can be found in Bluefield, Cross Lanes and Parkersburg. People living in Teays Valley pay the highest rates in the state.
Renters insurance quotes only vary by about $2 per month across the 24 most populated cities in West Virginia. In Bluefield, Cross Lanes and Parkersburg, renters can expect to pay around $19 per month for coverage. On the other hand, renters insurance in Teays Valley costs $21 per month, on average.
City | Average annual cost | Difference from state average (%) |
|---|---|---|
| Beckley | $223 | -2% |
| Bluefield | $222 | -2% |
| Bridgeport | $232 | 2% |
| Charleston | $223 | -2% |
| Cheat Lake | $232 | 2% |
Best renters insurance in West Virginia
Renters in West Virginia will find the best customer service with Amica, based ValuePenguin's multifactor formula.
The company receives very few complaints based on its size, according to the NAIC. ValuePenguin editors also found that Amica provides excellent value based on customer service reviews, coverage quality and cost.
Strong customer service scores are essential when choosing a renters insurance company. A company with excellent reviews is more likely to pay quickly after you file a claim.
Company |
Rating
|
|---|---|
| Amica | |
| USAA | |
| State Farm | |
| Nationwide | |
| Allstate | |
| Liberty Mutual |
USAA also offers high-quality customer service to renters in West Virginia. However, you have to be a military member, veteran or their family member to purchase a policy.
What does renters insurance cover in West Virginia?
Everyone needs different coverage from their renters insurance policy, so we recommend insurers with a lot of coverage options available. All renters insurance companies, in West Virginia and elsewhere, should offer the following basic coverages. If an insurer you're considering doesn't offer these, we recommend going with a different company.
- Personal property coverage
- Liability coverage
- Medical payments coverage
- Additional living expenses
In addition, many insurers offer extra coverage at an additional cost. Some of the most popular coverage add-ons are:
- Replacement cost coverage: Pays for the full cost to replace a destroyed or stolen item without factoring in wear and tear.
- Valuable items coverage: Increases protection for high-value items like jewelry, musical instruments or electronics, which may have limited or no coverage under a standard policy.
- Extended liability: Increases liability coverage limits beyond what is typically available.
- Identity theft coverage: Pays for costs associated with having your identity stolen, like legal fees or lost wages.
Frequently asked questions
How much does renters insurance cost in West Virginia?
The average cost of renters insurance in West Virginia is $19 per month, or $225 per year. Shoppers looking for the cheapest quotes should consider State Farm, which costs around $14 per month.
Is renters insurance required in West Virginia?
Renters insurance is not legally required in West Virginia. However, your landlord or property management company has the right to require you to buy renters insurance as a part of your rental agreement.
How much is renters insurance in Morgantown, WV?
Renters in Morgantown can expect to pay around $223 per year, or $19 per month, for insurance. That's 2% less than average in West Virginia.
Methodology
To find the best renters insurance companies in West Virginia, we used three key metrics:
- Affordability: Does the insurer offer cheap rates compared to other companies?
- Coverage availability: Does the insurer have a good mix of coverage options?
- Customer service: Are customers usually satisfied with the service they receive?
To compare rates, we collected quotes from five top renters insurance companies in West Virginia across 24 major cities. All quotes based on a 25-year-old man who lives alone and has not made any recent renters insurance claims.
He's protected himself with $30,000 of personal property coverage with a $500 deductible, plus $100,000 of liability protection and $1,000 of medical payments coverage.
To find the best customer service in West Virginia, we analyzed data from the following sources:
- NAIC complaint index: This index compares the number of complaints an insurer has received with its size.
- J.D. Power rating: This score is based on a national survey of renters insurance customers asking how satisfied they are with their insurer.
- ValuePenguin editor's rating: This score is based on customer service reviews, availability of useful coverage options and the overall value an insurer provides.