Popular Questions about Homeowners Insurance in West Virginia

The average annual West Virginia homeowners insurance premium is $940, coming in lower than the national figure of $1,211 per year. Your rates can be quoted through numerous carriers with the help of a local licensed expert.

Each West Virginia home insurance policy comes with automatic coverages that help protect against fire, vandalism, theft, and natural disasters. The limits included are as follows:

  • Dwelling value 
  • Other structures 
  • Personal property
  • Personal liability
  • Medical payments 
  • Additional living expenses

In West Virginia, homeowners insurance isn't mandatory, but it's necessary if you want to avoid financial ruin. Mortgage lenders will require you to carry home coverage when you have a loan with them. West Virginia had $244.8 million paid in home insurance claims in one year alone, making the right protection vital.

West Virginia homeowners insurance is rated based on your personal data and outside exposures. Carriers look at your claims history, home value, local crime, and natural disasters when quoting your policies. Your exact costs can be determined with the help of a local expert.

Every state has a list of carriers that are appointed to write homeowners insurance. In West Virginia, State Auto, Safeco, and Progressive insurance companies are rated among the best when it comes to coverage. This is due to their quick claims service and low premiums.

Yes, West Virginia has 109 independent insurance agencies in existence. This means you'll have ample opportunity to compare homeowners insurance through multiple carriers at once. A local agent will do the shopping for you at no cost, making it a no-brainer. 

Do You Know What Your West Virginia Home Insurance Covers?

Find the Best Homeowners Insurance in Your City

How does your city measure up to the national average?

National average burglary rate 3.76 per 1,000 people

National average home value $269,000

National average home insurance cost $1,211 year

CityAvg. home valueBurglaries / 1,000 homesAnnual insurance cost
South Charleston$171,8984.21$873
St. Albans$149,7414.04$894
Teays Valley$230,0002.45$1,180
  1. $83
  2. Charleston, WV Monthly average home insurance cost
  3. The average monthly cost of homeowners insurance in Charleston is $83. 
  4. However, this average rate can only give you a general idea of what you might be expected to pay. Your actual cost for coverage will be based on several factors such as the age, size, and value of your home, the amount of your deductible, your claims history, and sometimes, even your credit score. Your quoted rate can therefore differ from the average rate shown above.  
  5. Windstorms can sometimes be a problem in Charleston. In June 2012, this area was hit hard by a derecho that brought wind speeds of 60 to 80 mph. This storm uprooted trees and knocked out power to many homes and businesses. Many homeowners saw damage to their roofs, siding, and outdoor structures. Fortunately, home insurance covered this damage.

  1. $84
  2. Huntington, WV Monthly average home insurance cost
  3. The average monthly cost of homeowners insurance in Huntington is $84.
  4. Of course, what you may actually be expected to pay may differ significantly from this average amount depending on a number of factors. Some of the many things that can influence your rates include the size of your house, the crime rate and weather risks in your ZIP code, your claims history, and the amount of your deductible. 
  5. One of the most common hazards faced by homeowners in Huntington is property crime. Despite this being a rather small city, residents of Huntington report about 450 burglaries in a typical year Fortunately, your home insurance covers against property loss and damage to your house if you are the victim of a property crime like burglary or vandalism.

  1. $100
  2. Morgantown, WV Monthly average home insurance cost
  3. The average monthly cost of homeowners insurance in Morgantown is $100.
  4. Keep in mind, though, that homeowners insurance rates can vary from one property owner to the next. Your actual rate will be based on considerations like the size, value, and location of your home; the materials used in your house’s construction; the crime rate in your ZIP code; and your claims history.
  5. One of the hazards faced by homeowners in Morgantown is that of hail damage. This area is under warning for hail about a dozen times every year. When hailstones exceed one inch in diameter, they can do significant damage to roofs, siding, windows, and peripheral structures like sheds and carports. The good news is that hailstorms are among the many damaging events that are covered by homeowners insurance.

  1. $82
  2. Parkersburg, WV Monthly average home insurance cost
  3. The average monthly cost of homeowners insurance in Parkersburg is $82.
  4. Because your homeowners insurance is completely customized according to details about you and your home, your monthly premium may be higher or lower than this average. Insurance companies consider your home’s size, value, location, and other factors when they calculate your monthly rate. 
  5. Severe storms in Parkersburg have been known to cause significant damage to area homes. Whether due to lightning strikes, high winds, hail, or toppled trees, this damage can be extremely expensive to repair. Though rare, these storms can sometimes even generate tornadoes in the area, such as the F2 twister that touched down just 3 miles from the Parkersburg city center in 2003, causing $2 million in damage .

  1. $69
  2. Wheeling, WV Monthly average home insurance cost
  3. The average monthly cost of homeowners insurance in Wheeling is $69.
  4. Keep in mind that rates can vary from one homeowner to the next, even when they live on the same street. While you and your neighbors may face the same crime and weather risks, your homeowners insurance premiums are also based on factors like the size and value of your house, the age of your roof, your claims history, and the amount of your deductible. Your quoted rate for home insurance may therefore be higher or lower than this average.
  5. One of the most devastating things that can happen to a homeowner is a house fire. In addition to damaging the structure of your house, a fire can lead to the total loss of your personal belongings, including furniture, electronics, clothes, and precious items. Because fire can be so devastating, it is important that you ensure that your dwelling coverage is sufficient to enable you to rebuild your home and that your contents coverage is high enough to cover the cost of replacing your lost or damaged property.