As Insurify’s home and pet insurance editor, Danny also specializes in auto insurance. His goal is to help consumers navigate the complex world of insurance buying.
Sara Getman is an Associate Editor at Insurify and has been with the company since 2022. Prior to joining Insurify, Sara completed her undergraduate degree in English Literature at Simmons University in Boston. At Simmons, she was the Editor-in-Chief for Sidelines Magazine (a literary and art publication), and wrote creative non-fiction.
Outside of work, Sara is an avid reader, and loves rock climbing, yoga and crocheting.
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The average cost of home insurance in West Virginia is $1,392 per year for a policy with a $1,000 deductible and $300,000 in dwelling coverage, which is much lower than the national annual average of $2,377.
But the state is experiencing record numbers of tornadoes. They’re traditionally uncommon in West Virginia, but as many as 16 tornadoes have hit the state this year.[1] Tornadoes can severely damage homes, even if they’re not very big. Fortunately, home insurance covers most tornado and wind damage.
Before buying a home insurance policy, it’s a good idea to compare home insurance quotes from at least three companies. Here’s what you need to know about finding home coverage in West Virginia.
Quick Facts
Westfield, USAA, Allstate, and Erie are some of the cheapest home insurance companies in West Virginia.
The state is prone to flash floods, and homeowners in high-risk areas should consider a flood insurance policy.
Rates are significantly lower in West Virginia because it’s a relatively safe state and has the third-lowest property crime rate in the South Atlantic region.[2]
Best home insurance companies in West Virginia
You have plenty of great insurance companies to choose from for homeowners insurance in West Virginia. But the best options may not always be the cheapest ones. The best homeowners insurance company for your home should have affordable rates, a variety of coverage options, and dependable customer service. It’s not always best to leave the protection of your personal belongings and property to the company with the lowest price.
Check out the insurers below to start your search. Each insurer is the best insurer for a specific category in West Virginia. The average prices below reflect costs for a $300,000 dwelling coverage policy with a $1,000 deductible.
Insurance Company
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IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.
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Average Annual Premium
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Best For
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Westfield
NR
$895
Cheapest rates
USAA
8
$1,055
Military community
Allstate
8.2
$1,164
Overall
Erie
7.4
$1,253
Customer service
Our editorial team spent more than 350 hours developing the Insurify Quality (IQ) Score and scoring insurance companies. The IQ Score objectively analyzes and calculates a score for insurers using more than 15 crucial criteria. The team weighted criteria by importance to the consumer — factors such as customer reviews and affordability influence the score more than availability and third-party ratings.
We rate each company on a 1 to 10 scale based on five categories: financial ratings, customer satisfaction, affordability, customer support and transparency, and availability. Insurify updates ratings once a year or as more recent information becomes available.
Third-party financial ratings: Insurify uses data from AM Best, S&P, Moody’s, and more to compare insurance companies’ credit and ability to pay out future claims.
Customer satisfaction: To calculate this score, Insurify analyzed more than 55,000 customer reviews across 155 car insurance companies. We also consider third-party ratings from J.D. Power, the National Association of Insurance Commissioners, and Trustpilot.
Affordability: Our data scientists analyzed more than 90 million real-time auto insurance rates from our partners across the U.S., as well as available discounts, to calculate an affordability score.
Customer support and transparency: This measures coverage options, ease of claims filing, and the insurer's transparency surrounding discounts, coverages, and claims process.
Availability and reach: Insurify scores availability and reach by identifying the number of states in which insurers offer coverage and company size by market share.
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.
NR
$300,000 Dwelling
A standard HO-3 home insurance policy typically includes dwelling, personal property, and liability coverage. The average rate displayed here reflects a policy with the following coverage limits: $300,000 dwelling; $25,000 personal property; $300,000 personal liability; $30,000 loss of use; and a $1,000 deductible for medical payments to others.
$69/mo
$500,000 Dwelling
A standard HO-3 home insurance policy typically includes dwelling, personal property, and liability coverage. The average rate displayed here reflects a policy with the following coverage limits: $500,000 dwelling; $25,000 personal property; $300,000 personal liability; $30,000 loss of use; and a $1,000 deductible for medical payments to others.
$82/mo
Westfield has the cheapest home insurance rates in West Virginia, with an average monthly rate of $75. The company offers coverage specifically designed for high-value homes, making them easier to insure than they would be with other companies. Homeowners looking to save money should consider Westfield.
Pros
Available benefits for bundling home and auto
A+ rating from the Better Business Bureau (BBB)
Cons
More complaints than average, according to the National Association of Insurance Commissioners (NAIC) complaint index
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.
9.4/10
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
880
$300,000 Dwelling
A standard HO-3 home insurance policy typically includes dwelling, personal property, and liability coverage. The average rate displayed here reflects a policy with the following coverage limits: $300,000 dwelling; $25,000 personal property; $300,000 personal liability; $30,000 loss of use; and a $1,000 deductible for medical payments to others.
$93/mo
$500,000 Dwelling
A standard HO-3 home insurance policy typically includes dwelling, personal property, and liability coverage. The average rate displayed here reflects a policy with the following coverage limits: $500,000 dwelling; $25,000 personal property; $300,000 personal liability; $30,000 loss of use; and a $1,000 deductible for medical payments to others.
$141/mo
USAA is the best home insurance company in West Virginia for the more than 100,000 veterans who live in the state. It’s also an excellent option for active military members and their families. Homeowners who qualify pay an average of $1,055 per year for a homeowners policy, the second-cheapest rate in the state.
Pros
Numerous add-on coverages and exclusive benefits for military members
J.D. Power score of 881/1,000 for customer satisfaction
Cons
Only available to active military, veterans, and their families
Complaints about customer service and claims process on the BBB website
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.
8.9/10
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
833
$300,000 Dwelling
A standard HO-3 home insurance policy typically includes dwelling, personal property, and liability coverage. The average rate displayed here reflects a policy with the following coverage limits: $300,000 dwelling; $25,000 personal property; $300,000 personal liability; $30,000 loss of use; and a $1,000 deductible for medical payments to others.
$101/mo
$500,000 Dwelling
A standard HO-3 home insurance policy typically includes dwelling, personal property, and liability coverage. The average rate displayed here reflects a policy with the following coverage limits: $500,000 dwelling; $25,000 personal property; $300,000 personal liability; $30,000 loss of use; and a $1,000 deductible for medical payments to others.
$140/mo
Allstate is the best home insurance company overall in West Virginia. It’s the second-largest home insurance company in the country, which allows it to combine excellent coverage with affordable rates and numerous insurance products and discounts.
The company has an AM Best financial strength rating of A+ (Superior), making it a reliable option for homeowners concerned about payouts after serious natural disasters like tornadoes.
Pros
Offers 5% back every year you don’t file a claim
Significant savings if you bundle home and auto policies
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.
9.0/10
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
870
$300,000 Dwelling
A standard HO-3 home insurance policy typically includes dwelling, personal property, and liability coverage. The average rate displayed here reflects a policy with the following coverage limits: $300,000 dwelling; $25,000 personal property; $300,000 personal liability; $30,000 loss of use; and a $1,000 deductible for medical payments to others.
$106/mo
$500,000 Dwelling
A standard HO-3 home insurance policy typically includes dwelling, personal property, and liability coverage. The average rate displayed here reflects a policy with the following coverage limits: $500,000 dwelling; $25,000 personal property; $300,000 personal liability; $30,000 loss of use; and a $1,000 deductible for medical payments to others.
$158/mo
Erie has the best customer service when it comes to home insurance in West Virginia. It has 24/7 claims service and options to talk with an agent via phone or online chat. The insurer also has fewer than the average number of complaints on the National Association of Insurance Commissioners (NAIC) complaint index.
Pros
Has the highest customer satisfaction rating in the J.D. Power 2023 U.S. Home Insurance Study
Multiple local insurance agents in West Virginia
Cons
Available in only 12 states
Quotes not available online — must work with an agent
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Cheapest home insurance in West Virginia
Westfield has the cheapest home insurance in West Virginia, with an average rate of $75 per month, or $896 per year. But insurance rates in the state can vary widely by insurer since each company determines your policy’s premium differently.
The table below highlights some of the other cheap home insurance companies in West Virginia. The average costs below are for policies with $300,000 in dwelling coverage and a $1,000 deductible.