West Virginia Homeowners Insurance

What to Know About Buying Virginia Homeowners Insurance

Select the right coverage for your house and property that fits in your budget.

West Virginia is classified as a southern state by the US Census Bureau. Fortunately for residents of The Mountain State, average annual West Virginia homeowners insurance rates are far below the average for all southern states. They are, in fact, even below the US national average.

Living in a state with modest average home policy premiums doesn’t mean that every insurer is going to offer you the best price and the best coverage for your needs. You may want to shop around with several companies to make sure that you get comprehensive coverage at a competitive price. Your Trusted Choice® independent agent will be happy to help you select the right coverage for your house and property that fits in your budget.

  • National yearly premium average: $1,132
  • West Virginia yearly premium average: $877
  • 38th most expensive premium in the US

Use our independent agent matching system to find the best insurance plan in your area. You tell us what you’re looking for, and our technology will recommend the best agents for you. Any information you provide will be sent to only the agents you pick. We do not sell to third parties.

What Determies West Virginal Homeowners Insurance Rates?

Your West Virginia home insurance quotes will be based on several unique factors including the exact location of the house, the home’s value, and the average cost of repairs in the area. The risk of certain threats to your home will certainly be considered as well.

Number of Catastrophes in West Virginia and the US

  • National number of catastrophes: 19,033
  • Number of catastrophes in West Virginia: 202
  • National number of tornadoes: 1,233
  • Number of tornadoes in West Virginia: 3
  • National property damage from weather: $5,511,270,000
  • Property damage from weather in West Virginia: $10,310,000

West Virginia has fewer catastrophes and lower damage claims than most of the rest of the nation.

The state is well known for its timber production, but dense forests may add to the risk of fires and fire deaths here. Prudent home owners may seek to reduce the risk of fire deaths and damage with some of the following preventative measures:

  • Install plenty of smoke detectors. Ensure these devices are well maintained with charged batteries.
  • Be sure that your family has a good escape plan. Also be prepared to follow the instructions of local authorities.
  • Make sure that fuel is safely stored.

Theft in West Virginia

  • National average for burglaries: 37,814
  • West Virginia number of burglaries: 9,674

While these numbers might give you some concept of what your risk for theft is in West Virginia, remember that your actual risk will depend on where you live. A condominium in busy city center will have a much higher risk for break in than a rural farm.

How Can West Virginians Compare Home Insurance Quotes?

In order to be sure you have the best coverage at the right price, you will need to find competitive West Virginia homeowners insurance quotes. A local and independent Trusted Choice member agent can compare multiple insurers and help you find the best plan for your house and property.

It can take a long time to try to figure out policy details and compare policy quotes. A good agent can do most of the work for you and service your policy for years to come.

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