west virginia homeowners insurance
We Shop. You Save!

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)

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!

CityCarrier
BluewellLiberty Mutual
Hooverson HeightsFarmers
Inwood and BlennerhassettProgressive (ASI)
RavenswoodTravelers
BethlehemAmica
ShannondaleLiberty Mutual
MiltonFarmers
Crab OrchardTravelers
RichwoodProgressive (ASI)
MorgantownLiberty Mutual
CullodenAmica
CharlestonChub
RipleyProgressive (ASI)
RansonTravelers
ClarksburgFarmers
Charles TownState Farm
MartinsburgUSAA
Pea RidgeNationWide
Paden CityProgressive
WestoverUSAA
MoundsvilleChub
WheelingLiberty Mutual
Shady Spring and PhilippiLiberty Mutual
FairmontState Farm
MadisonProgressive
Oak HillFarmers
WellsburgAmerican Family
BrookhavenTravelers
PrincetonAllstate
WilliamsonLiberty Mutual
WilliamstownTravelers
KenovaUSAA
BridgeportTravelers
FayettevilleLiberty Mutual
BarboursvilleAllstate
Star CityFarmers
DunbarNationWide
Cheat LakeAllstate
St. AlbansFarmers
BuckhannonState Farm
ShinnstonAllstate
PetersburgNationWide
ParkersburgAmica
MoorefieldLiberty Mutual
SissonvilleAmica
Hinton and WinfieldTravelers
West Virginia Homeowners Insurance

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!

WindVandalism
Loss of UsePower Surge
Water DamageFire
TheftHail
Other Weather relatedInjuries
West Virginia Homeowners Insurance

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!

MotorcycleUmbrella
AutoLife
HealthATV
BusinessBoat

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!

CompanyRank
Auto-Owners1
Nationwide2
MetLife Inc.3
Chubb4
Allstate Corp.5
American Family6
Hartford7
Progressive8
USAA9
West Virginia Homeowners Insurance

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.

CityAverage 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
Homeowners Insurance in West Virginia

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 PolicesMarried Discount
Gated CommunityNew Home Discount
Upgraded WiringUpgraded Plumbing
Hail resistant roofingEFT
LoyaltyAuto Water Shut Off/Leak Detection
West Virginia Homeowners Insurance

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!

CompanyHomeowners Offered
MetLife Inc.yes
American Familyyes
USAAyes
Hartfordyes
Farmers Insuranceyes
Liberty Mutualyes
American Internationalyes
Travelersyes
Chubbyes
Nationwideyes
Auto-Ownersyes
State Farmyes
Progressiveyes
West Virginia Homeowners Insurance Carriers

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!

CompanyHomeowners ($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
Homeowners Insurance in West Virginia

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!

CompanyAM Best
American FamilyA
ProgressiveA+
American InternationalA-
Liberty MutualA
ChubbA
State FarmA++
MetLifeA-
Farmers InsuranceA
USAAA++
TravelersA++
Hartford FinancialA+
NationwideA
Auto-Owners InsuranceA
AllstateA+
West Virginia Homeowners Insurance

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

West Virginia Auto Insurance
Motorcycle Insurance West Virginia
West Virginia SR22 Insurance
Cheapest Car Insurance in West Virginia
Homeowners Insurance Coverage Explained
Ultimate Home Inspection Checklist
West Virginia Liability Only Insurance

INSURANCE SERVICES WE OFFER

welcome center free auto insurance quote

Don’t give up…we can help you find affordable rates, need an SR-22? We got you!

welcome center homeowners and renters insurance

Homeowners, renters, and mobile home owners: make sure you have the protection you need.

welcome center other insurance quotes

Motorcycles, RVs, ATVs, life insurance, you name it…we can help!

Last Updated on by Camron Moss

Spread the love
Scroll to Top