The 5 Best West Virginia Homeowners Insurance Companies

Home to breathtaking forests, mountains, and gorges, West Virginia is decidedly well endowed when it comes to natural wonders. This beautiful topography, however, makes homeowners in West Virginia more susceptible to natural disasters, such as flash floods, as well. Luckily, the state boasts some of the most affordable homeowners insurance rates in the country ($844 per year on average, to be exact).

To protect your property and belongings, West Virginians may need to purchase additional coverage in addition to the standard HO-3 plan. If you’re buying homeowners insurance for the first time, you’ll want a comprehensive plan from an established company that provides plenty of educational resources. Premiums will vary depending on where you live in the state, so we recommend you apply for quotes yourself. To get a rough idea of what homeowners insurance may cost you, enter your zip code into the tool below.

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In order to determine the best home insurance company in West Virginia, we examined and rated the five most popular companies in the state using the methodology we applied to our review of national companies. We analyzed customer service, coverage options, discounts, financial strength, and the claims process of each insurer. Quote prices will vary based on your location and factors such as the age of your home, so we recommend utilizing our quote tool in conjunction with our rankings to find the home insurance company that’s right for you.

West Virginia Homeowners Insurance Reviews

Allstate

When it comes to comprehensive, affordable homeowners insurance, Allstate can’t be beat. The website’s interactive education center is leaps and bounds ahead of the resources other insurers offer, making it a particularly wise choice for first-time home insurance buyers with plenty of questions. Of particular note is the Common and Costly Claims tool, which allows you to see the types of claims most frequently processed for your zip code.

Allstate also allows customers to get a sense of how the specifics of their homes affect their rates through the Premium Gauge tool, which helps to ensure you lock in the lowest possible premium for your needs. We also liked the Digital Locker tool, which gives you a convenient place to keep track of your valuable belongings. You simply upload photos of your items using your smart phone and can call on the documentation should you need to file a claim. None of our other recommendations come close to this level of ease.

The discounts offered through Allstate were also bar none. You receive up to 30 percent off for a multi-policy discount, along with a 10 percent discount just as a “welcome” for signing up. That being said, Allstate isn’t perfect and earned relatively low scores in a Consumer Report homeowners insurance survey. Despite this, their online quote tool was clear and convenient to use. For a comprehensive yet straightforward plan, Allstate won’t steer you wrong.

Nationwide

Nationwide’s commitment to claims services, comprehensive endorsements and discounts, and affordable coverage options earned it the number two ranking for West Virginia insurance companies. Of particular note is the company’s dedication to covering all types of losses. The Brand New Belongings program can be added to any plan and guarantees any damaged belongings be replaced with brand-new equivalents.

The claims process is also a breeze thanks to an online claims center, available on the Nationwide mobile app. These resources are likely the reason Nationwide received a four out of five for Claims Experience in Consumer Reports’ homeowners insurance survey. Though not quite as robust as Allstate’s learning center, Nationwide offers educational resources through its website and mobile app.

Liberty Mutual

In terms of customer service, Liberty Mutual ranked just behind Allstate, making it one of the most competitive providers in West Virginia. What sets Liberty Mutual apart, however, are its unique customer benefits. Particularly, the Emergency Home Repairs service, available around the clock, sends a professional to immediately begin repairs on your home should it incur damage. It can be priceless peace-of-mind to know that someone will be there to help you if a major storm wreaks havoc on your home.

While many insurers offer 24/7 claims management services, only LIberty Mutual provides immediate repair services. That, along with an extensive list of available discounts, makes Liberty Mutual a strong contender for reliable, affordable home insurance in West Virginia.

State Farm

While its reader score in the Consumer Report’s homeowners insurance survey was an astounding 15 points higher than Allstate’s, State Farm’s overall offerings and resource center didn’t quite compare. That being said, there’s a lot to love about State Farm. Take, for instance, the online quote tool and home inventory calculator. The learning center, while not as robust as Allstate’s, is still informative and useful.

State Farm also offers significant discounts and endorsements, with their standard policy covering sewer backup, freezing, and damage from snow. Specifically, State Farm provides endorsements for building code upgrades. Given that most West Virginia houses were built in the 1970s, this optional coverage is important for aging homes.

Erie Insurance Group

Erie Insurance only operates in 12 states, making West Virginians especially lucky as the provider offers some of the lowest rates around. The lower premiums don’t cost you in terms of claims satisfaction or customer service, seeing that Erie earned high scores from J.D. Power for overall service.

Because Erie is a smaller company, its website is somewhat lacking in terms of online tools and resources. You’ll need to call an agent if you want a quote from Erie, but representatives are especially helpful in walking you through endorsements and discounts. Erie offers a plethora of discounts, including the “Advanced Quote” discount which lowers your premium so long as you apply for your quote seven to 60 days before you want your policy to go into effect.

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What We Learned

Be Warned: Flood insurance is not included.

“Many parts of West Virginia are certainly prone to flooding and much of it has to do with the state’s topography,” said Kevin Law, the West Virginia state climatologist, to USA Today earlier this year. In June, West Virginia was hit with the third deadliest flood in Virginia history. What’s worse, fewer than 2 percent of the homes in the area affected had flood insurance.

Due to the pattern of rain water draining from the mountains to the valleys, West Virginians are especially susceptible to the destruction of flash flooding. It’s imperative for homeowners to protect themselves against the perils of flash floods by purchasing additional flood insurance, as it’s often not covered by standard policies. To calculate your personal risk of flood damage, you can input your address here. Depending on your vulnerability, the extra cost of flood insurance is well worth the assurance that you’ll be protected should the worst happen.

West Virginia Winds Blow Mightily

Wind damage is the most common and costly claim across much of the state. To see if your area is disproportionately affected by wind, type in your zip code to this Allstate tool. As a homeowner, you should make sure that you purchase endorsements that protect you against wind and hail damage. While most policies offer these add-ons, you may have to pay a slightly higher deductible. It’s also important to regularly check that your home meets building code requirements, which can help reduce your risk of serious damage.

Sinkholes aren’t covered in West Virginia.

Because of its history, West Virginia is home to a large number of abandoned coal mines. In fact, officials at the Huntington Water Quality Board confirmed that they received three sinkhole-related calls a week in 2015. Most HO-3 policies don’t cover sinkholes, so it’s essential you look into optional mine subsidence coverage. Depending on where you live in the state, this additional protection can be essential to safeguard you from the most likely natural threats in your area.

The Bottom Line

Though West Virginians are lucky to have the 12th most affordable homeowners insurance in the country, it’s unique topography may mean you require additional coverage. Paying the extra money to protect yourself against flash floods, sinkholes, and wind damage is worth it for the peace of mind you’ll receive in exchange. To start shopping around, enter your zip code into our quote tool below.

Find the best homeowners insurance in your area.

Get a quote by entering your ZIP code and start saving today.