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.
West Virginia enjoys low premiums as compared to the national average. The most recent information available from the Insurance Information Institute, in 2017, shows that West Virginia has an average premium cost of $877, which is considerably lower than the national average.
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.
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:
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.
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.