Best and Cheapest Home Insurance Rates in West Virginia
State Farm has the cheapest home insurance in West Virginia, at $730 per year.
Compare Home Insurance Quotes in West Virginia
To help West Virginia homeowners get the best deal on home insurance rates, our editorial team compiled thousands of quotes and customer satisfaction ratings from the largest insurance companies in the state.
Best cheap home insurance in West Virginia
Cheapest companies for homeowners insurance in West Virginia
State Farm offers the cheapest quotes for home insurance in West Virginia, with an annual average rate of $730, or $61 per month. This is 21% cheaper than the state average. Erie also offers cheap home insurance, at an average rate of $855 per year.
The average cost of home insurance in West Virginia is $918 per year.
Home insurance quotes in West Virginia are 40% cheaper than the average cost of home insurance in the US, which is $1,516 per year.
Compare Home Insurance Quotes in West Virginia
Cheap annual home insurance in West Virginia
Company | Annual cost | |
|---|---|---|
| State Farm | $730 |
| USAA | $753 |
| Erie | $855 |
| Nationwide | $926 |
| Allstate | $1,073 |
| Westfield | $1,172 |
Best overall homeowners insurance in West Virginia: State Farm
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Editor rating
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Annual rate
$730 ?
Pros and cons
State Farm is the best cheap home insurance company in West Virginia with its combination of cheap rates and convenient customer support.
State Farm is the largest home insurance company in the U.S., with hundreds of agents available across the state to help you. In addition to personalized support from an agent, State Farm's convenient website and mobile app let you get an instant quote, file a claim and pay your bill online.
The company scored a 0.74 in the customer complaint index from the National Association of Insurance Commissioners (NAIC), meaning it receives 26% fewer complaints than similar insurers. That indicates customers are often satisfied with their service.
The most notable downside to State Farm is that you won't find any unique discounts or policy add-ons. You can still get standard savings for things like policy bundling, installing burglar or fire alarms in your home or installing damage-resistant roofing on your home.
State Farm does offer policy add-ons like coverage for water damage because of sewer, drain or sump pump backup, and coverage for service line repairs, but these are fairly standard endorsements among most home insurance companies.
Best homeowners insurance for complete coverage: Erie Insurance
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Editor rating
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Annual rate
$855 ?
Pros and cons
Erie is the best homeowners insurance company in West Virginia for those looking for expanded coverage. A standard Erie Insurance policy includes guaranteed replacement cost coverage, which means if your home is damaged by a covered risk, Erie will pay the full cost of repairing damage instead of factoring in wear and tear on your home.
Additionally, you can upgrade your Erie homeowners insurance policy by adding protection for risks such as water backup and sump pump overflow, and identity theft protection.
The average cost of a home insurance policy with Erie is $855 per year in West Virginia, which is $63 cheaper per year than the state average.
The company offers outstanding customer service, receiving about half the complaints of an average home insurance company its size, according to the NAIC.
The most notable downside to Erie is that you can't get quotes or buy a policy online. You'll have to call a local Erie Insurance agent near you.
Best homeowners insurance for military families: USAA
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Editor rating
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Annual rate
753 ?
Pros and cons
USAA is the best homeowners insurance company for military service members and their families. The company offers military-specific benefits designed for service members, as well as guaranteed replacement cost coverage included with a standard policy.
USAA offers a deductible waiver on military-issued gear if it's lost, stolen or damaged. The company also offers coverage on personal property while at home or overseas, a benefit most home insurance companies don't offer.
The average cost of USAA's homeowners insurance is $753 per year, or $63 per month. This is $165 cheaper per year than the state average.
USAA scored a 0.5 in the customer complaint index from the NAIC, meaning the company receives half the complaints of an average company its size.
A key downside of USAA is that coverage is only available for past and current military members and their dependents, so not everyone is eligible.
West Virginia insurance rates by city
The cheapest city for home insurance in West Virginia is Ranson, which averages $668 per year, or $56 per month. This is 27% cheaper than the state annual average.
The most expensive city for home insurance in West Virginia is Breeden, which averages $1,484 per year. This is 62% more expensive than the state annual average. Breeden is a small, unincorporated community just 10 miles east of the Kentucky border.
City | Average annual cost | Difference from state average |
|---|---|---|
| Accoville | $1,208 | 32% |
| Adrian | $918 | 0% |
| Advent | $959 | 4% |
| Albright | $871 | -5% |
| Alderson | $826 | -10% |
The best home insurance companies in West Virginia
State Farm, Erie and USAA are the top-rated home insurance companies for customer support in West Virginia.
USAA is the best-rated home insurance company in West Virginia because of its excellent customer support, cheap rates and perks specific to military members that most other companies don't offer.
State Farm and Erie are also highly rated insurance companies for most West Virginia homeowners. State Farm is well rated in J.D. Power's customer satisfaction rankings and also offers the cheapest rate in West Virginia.
Erie has a strong reputation for customer service and has a network of agents to help with customer needs.
Company |
Rating
|
|---|---|
| USAA | |
| Erie | |
| State Farm | |
| Nationwide | |
| Allstate |
Most common homeowners insurance risks in West Virginia: Floods and coal mines
In some parts of West Virginia, homes are at risk from flooding and earth movements caused by coal mines, which aren't usually covered by standard home insurance policies.
Some providers do offer coverage for damage from effects of coal mining on your home. This type of damage is covered by coal mine subsidence insurance policies, and it's important to check policy add-ons and connect with a local agent for more information.
West Virginia has seen some terrible flooding as a result of high amounts of rain and river overflow, making flood insurance a priority to protect your home and belongings. You can purchase flood insurance from the National Flood Insurance Program (NFIP) if your home is at risk, as well as from private flood insurers. Companies like Allstate can also help you purchase a flood policy through the NFIP and manage it alongside your home insurance policy.
What is coal mine subsidence insurance?
Some of West Virginia's homeowners may be at risk of having their homes destroyed by a mine cave-in. If a home is built too close to a coal mine, it could cave in if the ground is unstable and shifts. Many providers offer a special coal mine subsidence endorsement, as homeowners insurance policies do not cover events caused by movements of the earth.
Mine subsidence coverage is mandatory for homeowners who live in designated areas where mines exist in the state of West Virginia. Typically, the coverage is automatically added to the policy if the dwelling is located in one of the designated areas. However, homeowners can reject the policy in writing. Ask your insurance company if your home is in a designated mine area, and if mine subsidence coverage has been added to your home insurance policy.
Frequently asked questions
Who has the cheapest home insurance in West Virginia?
State Farm has the cheapest homeowners insurance in West Virginia, at an annual average rate of $730, or $61 per month. This is 21% cheaper than the state annual average.
What is the average cost of home insurance in West Virginia?
The average cost of home insurance in West Virginia is $918 per year, or $77 per month. This is 40% cheaper per year than the national annual average of $1,516.
How much is flood insurance in West Virginia?
The average cost of flood insurance in West Virginia from the NFIP is $600 per year for a dwelling with $100,000 of coverage. The cost of your flood insurance policy will depend on your location and dwelling coverage.
Methodology
Our editorial team collected insurance quotes for homes in every ZIP code in West Virginia from the state's largest insurers. The sample property was built in 1974 and had $119,600 of dwelling coverage, which is based on the median home value for the state.
ValuePenguin's analysis used insurance rate data from Quadrant Information Services. These rates were publicly sourced from insurer filings and should be used for comparative purposes only — your own quotes may be different.
We ranked each company's customer service scores by comparing the National Association of Insurance Commissioners (NAIC) complaint index, J.D. Power's home insurance customer satisfaction rankings and our ValuePenguin editor's ratings.