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West Virginia Homeowners Insurance
Are you a mountain momma and need a great rate on your homeowners insurance? Well, buckle up!
- Cheapest Homeowners Insurance West Virginia (by city)
- Most Common Causes for West Virginia Homeowners Insurance Losses and Claims (nationwide)
- Bundling Options with West Virginia Homeowners Insurance
- Who has the Lowest price For West Virginia Homeowners Insurance?
- Do you have to have homeowners insurance in West Virginia?
- Average Cost for West Virginia Homeowners Insurance (by city)
- Discounts available for Homeowners Insurance in West Virginia?
- Which companies offer Homeowners Insurance in West Virginia?
- West Virginia Homeowners Insurance Rates (by company)
- Best Homeowners insurance by company in West Virginia
- What does West Virginia Homeowners Insurance cover?
- How can I lower my Homeowners Insurance premium in West Virginia?
- Questions about West Virginia Homeowners Insurance? Call us at 1.888.445.2793.
- Additional Helpful Links
- INSURANCE SERVICES WE OFFER
Cheapest Homeowners Insurance West Virginia (by city)
We wanted to help you see who has the cheapest West Virginia Homeowners Insurance in each city.. Check out your city and see who it is!
| City | Carrier |
|---|---|
| Bluewell | Liberty Mutual |
| Hooverson Heights | Farmers |
| Inwood and Blennerhassett | Progressive (ASI) |
| Ravenswood | Travelers |
| Bethlehem | Amica |
| Shannondale | Liberty Mutual |
| Milton | Farmers |
| Crab Orchard | Travelers |
| Richwood | Progressive (ASI) |
| Morgantown | Liberty Mutual |
| Culloden | Amica |
| Charleston | Chub |
| Ripley | Progressive (ASI) |
| Ranson | Travelers |
| Clarksburg | Farmers |
| Charles Town | State Farm |
| Martinsburg | USAA |
| Pea Ridge | NationWide |
| Paden City | Progressive |
| Westover | USAA |
| Moundsville | Chub |
| Wheeling | Liberty Mutual |
| Shady Spring and Philippi | Liberty Mutual |
| Fairmont | State Farm |
| Madison | Progressive |
| Oak Hill | Farmers |
| Wellsburg | American Family |
| Brookhaven | Travelers |
| Princeton | Allstate |
| Williamson | Liberty Mutual |
| Williamstown | Travelers |
| Kenova | USAA |
| Bridgeport | Travelers |
| Fayetteville | Liberty Mutual |
| Barboursville | Allstate |
| Star City | Farmers |
| Dunbar | NationWide |
| Cheat Lake | Allstate |
| St. Albans | Farmers |
| Buckhannon | State Farm |
| Shinnston | Allstate |
| Petersburg | NationWide |
| Parkersburg | Amica |
| Moorefield | Liberty Mutual |
| Sissonville | Amica |
| Hinton and Winfield | Travelers |
Most Common Causes for West Virginia Homeowners Insurance Losses and Claims (nationwide)
By having West Virginia Homeowners Insurance, you are protecting yourself from the day to day unknown. There are so many things that can cause a loss to your home, so it’s good to be protected!
| Wind | Vandalism |
| Loss of Use | Power Surge |
| Water Damage | Fire |
| Theft | Hail |
| Other Weather related | Injuries |
Bundling Options with West Virginia Homeowners Insurance
You know bundling your home and auto can save you money! But did you know that you can bundle other things with your homeowners insurance and save? Look at some ideas below!
| Motorcycle | Umbrella |
| Auto | Life |
| Health | ATV |
| Business | Boat |
Who has the Lowest price For West Virginia Homeowners Insurance?
Just because you want the best coverages for you home, doesn’t mean you want to pay a whole lot. Here are some companies that have the best and lowest prices on Homeowners Insurance in West Virginia!
| Company | Rank |
| Auto-Owners | 1 |
| Nationwide | 2 |
| MetLife Inc. | 3 |
| Chubb | 4 |
| Allstate Corp. | 5 |
| American Family | 6 |
| Hartford | 7 |
| Progressive | 8 |
| USAA | 9 |
Do you have to have homeowners insurance in West Virginia?
In West Virginia, homeowners insurance is not legally required by state law. However, if you have a mortgage on your home, your lender will likely require you to carry homeowners insurance to protect their investment. Even if you own your home outright, having homeowners insurance is highly recommended to safeguard your property and belongings against unforeseen events such as fire, theft, or natural disasters. Additionally, homeowners insurance provides liability coverage, protecting you financially if someone is injured on your property and files a lawsuit against you.
Key Points to Consider:
- Lender Requirements: If you have a mortgage, your lender will likely require homeowners insurance.
- Protection for Your Investment: Homeowners insurance protects your home, belongings, and finances in case of damage or loss.
- Liability Coverage: It also provides liability coverage in case of accidents or injuries on your property.
While homeowners insurance may not be mandatory in West Virginia, it offers vital protection and peace of mind for homeowners. It’s essential to review your coverage needs with an insurance agent to ensure you have adequate protection for your home and assets.
Average Cost for West Virginia Homeowners Insurance (by city)
Here’s the average cost you can expect for your West Virginia Homeowners Insurance coverage. These are the averages for your particular city.
| City | Average Price |
|---|---|
| Chester | $1,325.00 |
| Pea Ridge | $1,160.00 |
| Shannondale | $1,160.00 |
| Kingwood | $1,375.00 |
| Shinnston | $1,255.00 |
| Welch | $1,119.00 |
| South Charleston | $1,218.00 |
| Williamstown | $1,120.00 |
| Bridgeport | $1,259.00 |
| Cross Lanes | $1,334.00 |
| Crab Orchard | $1,184.00 |
| Petersburg | $1,300.00 |
| Ravenswood | $1,419.00 |
| Bluewell | $1,182.00 |
| Lewisburg | $1,171.00 |
| Craigsville | $1,407.00 |
| Nitro | $1,143.00 |
| Charles Town | $1,351.00 |
| New Martinsville | $1,255.00 |
| Bethlehem | $1,109.00 |
| Belington | $1,422.00 |
| Sissonville | $1,288.00 |
| Charleston | $1,330.00 |
| Huntington | $1,280.00 |
| Milton | $1,166.00 |
| Grafton | $1,271.00 |
| Parkersburg | $1,316.00 |
| Buckhannon | $1,300.00 |
| Fayetteville | $1,292.00 |
| Ripley | $1,331.00 |
| Hinton and Winfield | $1,181.00 |
| St. Albans | $1,192.00 |
| Star City | $1,195.00 |
| Harrisville | $1,277.00 |
| Fairmont | $1,290.00 |
| Madison | $1,115.00 |
| Point Pleasant | $1,352.00 |
| Teays Valley | $1,239.00 |
| Ranson | $1,372.00 |
| Dunbar | $1,144.00 |
| Vienna | $1,101.00 |
| Elkins | $1,356.00 |
| Weston | $1,240.00 |
| Shady Spring and Philippi | $1,292.00 |
| Summersville | $1,348.00 |
| Martinsburg | $1,326.00 |
| Paden City | $1,420.00 |
| Barboursville | $1,362.00 |
| Princeton | $1,113.00 |
| Wellsburg | $1,149.00 |
| Inwood and Blennerhassett | $1,206.00 |
| Culloden | $1,340.00 |
| Williamson | $1,387.00 |
| Clarksburg | $1,106.00 |
| Hurricane | $1,380.00 |
| Weirton | $1,348.00 |
| Oak Hill | $1,398.00 |
| Beckley | $1,339.00 |
| Granville | $1,255.00 |
| Hooverson Heights | $1,173.00 |
Discounts available for Homeowners Insurance in West Virginia?
Everyone wants discounts where they can get them! Did you know that there are numerous ways you can get discounts on your homeowners insurance in West Virginia? We have listed some below for you to check out!
| Bundling Multiple Polices | Married Discount |
| Gated Community | New Home Discount |
| Upgraded Wiring | Upgraded Plumbing |
| Hail resistant roofing | EFT |
| Loyalty | Auto Water Shut Off/Leak Detection |
Which companies offer Homeowners Insurance in West Virginia?
Did you just purchase a home in West Virginia? We made it easy for you and listed a few companies that offer Homeowners there!
| Company | Homeowners Offered |
|---|---|
| MetLife Inc. | yes |
| American Family | yes |
| USAA | yes |
| Hartford | yes |
| Farmers Insurance | yes |
| Liberty Mutual | yes |
| American International | yes |
| Travelers | yes |
| Chubb | yes |
| Nationwide | yes |
| Auto-Owners | yes |
| State Farm | yes |
| Progressive | yes |
West Virginia Homeowners Insurance Rates (by company)
Homeowners rates can be different by city, state and company. Here are some companies with great AM ratings, check them out to see some rates!
| Company | Homeowners ($250,000) |
|---|---|
| Travelers Companies Inc. | $1,336 |
| Allstate | $1,320 |
| Farmers Insurance Group | $1,438 |
| Chubb | $1,316 |
| American Family Insurance | $1,439 |
| American International | $1,308 |
| Progressive | $1,384 |
| Hartford Financial Services | $1,466 |
| USAA | $1,478 |
| Erie Insurance | $1,290 |
| State Farm | $1,274 |
| Liberty Mutual | $1,332 |
| Auto-Owners Insurance | $1,526 |
| MetLife Inc. | $1,287 |
Best Homeowners insurance by company in West Virginia
Having a great and the best company to insure your home is so important! We have listed below some of those great and highly rated companies for your Homeowners insurance!
| Company | AM Best |
|---|---|
| American Family | A |
| Progressive | A+ |
| American International | A- |
| Liberty Mutual | A |
| Chubb | A |
| State Farm | A++ |
| MetLife | A- |
| Farmers Insurance | A |
| USAA | A++ |
| Travelers | A++ |
| Hartford Financial | A+ |
| Nationwide | A |
| Auto-Owners Insurance | A |
| Allstate | A+ |
What does West Virginia Homeowners Insurance cover?
West Virginia Homeowners Insurance typically covers the structure of your home, personal belongings, liability protection, and additional living expenses. A Plus Insurance can help you understand the specific coverage options available and find the best rates for your needs.
How can I lower my Homeowners Insurance premium in West Virginia?
To lower your Homeowners Insurance premium in West Virginia, consider bundling your policies, increasing your deductible, and implementing home safety measures. Our team at A Plus Insurance can provide personalized advice and assist you in finding affordable coverage options.
Questions about West Virginia Homeowners Insurance? Call us at 1.888.445.2793.
If you have any questions about West Virginia Homeowners Insurance or need assistance, feel free to call A Plus Insurance at 1.888.445.2793. Our experienced team is ready to provide expert guidance and help you find the best Homeowners Insurance rates in West Virginia.
Additional Helpful Links
INSURANCE SERVICES WE OFFER
Homeowners Insurance
Homeowners, renters, and mobile home owners: make sure you have the protection you need.
Last Updated on by Camron Moss