Popular Questions about Homeowners Insurance in West Virginia

On average, American homeowners pay $1,211 per year for their home insurance coverage. However, in West Virginia, the average annual premium is much lower at $940 a year. This is great news for property owners who are looking for affordable home insurance. Shopping around for the best price can ensure that you are not overpaying for your coverage.

Homeowners insurance is important because hazards like severe weather, accidental fires, and property crimes can result in expensive losses for West Virginia homeowners who are not insured.

Your home insurance policy is designed to cover you against many of the hazards you are likely to face as a property owner in West Virginia. Whether your property has been lost or damaged due to a severe storm, a house fire, or a rash of burglaries, you can gain peace of mind from knowing that a suitable West Virginia homeowners insurance policy can absorb your financial losses.

Let’s look at some of the things your West Virginia homeowners insurance policy can do for you:

  • Pay to Repair or Replace Your Home and Your Belongings
    • Example: An accidental fire in your kitchen gets out of control and leads to the destruction of a great deal of property as well as a significant portion of your house.
  • Pay for Someone Else's Injuries or Property Damage When It's Your Fault
    • ExampleYour kids are playing baseball in the backyard and a ball gets hit through your neighbor’s picture window and damages an antique baby grand piano.
  • Pay for Temporary Living Expenses When Your Home Is Damaged
    • Example: A major windstorm uproots a tree and it falls onto your house. The structure of your home is damaged, and the house is deemed unsafe for occupancy. You and your family must stay in a hotel for a week while your house is brought back up to code.

We can’t be 100% certain, but in 2019, insurance companies paid out more than $244 million in home insurance claims in the state of West Virginia alone. That's a lot of unfortunate events happening to West Virginia homeowners!

Insurance companies calculate home insurance costs according to how valuable your property is and how likely it is that something bad will happen to it.

The higher the probability that a damaging event will affect your property, the more expensive your home insurance policy will be. Let’s take a look at how risky West Virginia is compared to the rest of the US.

Crime:

The good news is that the overall burglary rate in West Virginia is a bit lower than the national average. This has a positive influence on insurance rates in this state.

  • Average number of burglaries per 1,000 homes in the US: 3.76
  • Average number of burglaries per 1,000 homes in WV: 2.97

Your home insurance can cover your losses if you are the victim of a property crime. Of course, you will still want to reduce your risk of being targeted for a burglary. Many insurance companies offer policy discounts if you have a burglar alarm, deadbolt locks, and other security features installed in your home.

Weather:

Severe weather events, such as hurricanes and electrical storms, can wreak havoc on residential properties in this state. Be sure that your home insurance provides all the coverage you need before disaster strikes.

West Virginia Weather Risk Factors:

  • Number of federally declared disasters since 1953:  73
  • Most common causes of disasters in the state:  Floods, severe storms, and hurricanes
  • Average number of tornados per year in the state:  2.4
  • Amount paid in home insurance claims in 2019:  $244,752,000

Be aware that flood damage is not covered by homeowners insurance. For that, you will need to supplement your coverage with a flood insurance policy. A local independent insurance agent can help you find and secure an affordable policy.

Home Values:

The size of your home can affect your home insurance rates, since larger houses tend to have more personal property inside them. The estimated cost to rebuild your home will also play a large role in how much your home insurance costs.

  • Average home value in the US: $188,900
  • Average home value in WV: $130,328

In West Virginia, the average home value is lower than the national average. This is one reason why insurance rates in this state are lower than the national average rate.

No single insurance company is “best” for everyone. The trick is finding the policy that is best for you.

That is why independent agents obtain and compare customized rates from multiple companies. That way, they can find you the coverage that is most able to meet your coverage and budgetary needs.

Yes! There are currently 109 independent insurance agents in West Virginia who are ready to help.

These experienced agents aren’t tied to a single insurance company, so they can work with several competing providers to find you the best policy at the lowest rate. Contact an independent insurance agent near you to discover how easy shopping for coverage can be.

How does home insurance work?

Find the Best Insurance in Your City

How does your city measure up to the national average?

National average burglary rate 4.69 per 1,000 homes

National average home value $188,900

National average home insurance cost $1,173 year

CityAvg. home valueBurglaries / 1,000 homesAnnual insurance cost
Beckley$134,7008.38$904
Bluefield$121,2033.27$719
Charleston$182,9611.39$996
Clarksburg$115,0346.61$815
Fairmont$168,2382.60$735
Huntington$169,43012.50$1,008
Martinsburg$190,6713.96$979
Morgantown$260,5002.76$1,197
Parkersburg$158,83213.55$989
South Charleston$171,8984.21$873
St. Albans$149,7414.04$894
Teays Valley$230,0002.45$1,180
Vienna$186,4501.65$969
Weirton$128,9881.13$838
Wheeling$172,7713.02$823
  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 which 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.
  6. Talk to an independent agent near you to learn more about the many ways that a solid homeowners insurance policy can cover your property.


  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 more than 600 burglaries in a typical year, giving the area one of the highest burglary rates in the state. 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.
  6. Consult a local independent insurance agent for more information about homeowners insurance and to learn ways you can save money on your policy by taking preventive measures against burglaries.


  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.
  6. Set up a consultation with an independent insurance agent near you to get help finding an affordably priced homeowners insurance policy that provides all the coverage you need for your Morgantown home.


  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, heavy 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 .
  6. Fortunately, your home insurance can pick up the tab for repairs once your deductible is met. Talk to your local insurance agent to learn more about what your policy will and will not cover so that you can be certain that you are covered against any potential risks.


  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 lead to a total loss, 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.
  6. An independent insurance agent in Wheeling can help you review your coverage limits to ensure that they are at appropriate levels.