It remains true that West Virginia homeowners typically pay less than the U.S. average, but prices have risen in recent years. Current statewide estimates place a standard policy roughly in the mid‑$1,000s per year (about $1,300–$1,700 depending on coverage and profile), based on recent analyses from Bankrate and ValuePenguin, while the latest regulatory data show West Virginia remains below the national average overall (NAIC Homeowners Insurance Report). And while the price is an important factor when choosing the best homeowners insurance companies in West Virginia, customers also need to look at factors like coverage, claims support, and unique features.
Thankfully, many providers check all of these boxes. Some of the current leading companies in the state include Allstate, USAA, Erie Insurance, and State Farm; depending on your needs and eligibility, carriers like Amica, Auto‑Owners, and Chubb (for high‑value homes) also perform well in recent independent studies (J.D. Power; Chubb).
The 4 Best Homeowners Insurance Companies in West Virginia
| Allstate | USAA | Erie Insurance | State Farm | |
| Our review | Our review | Our review | ||
| Average Annual Premium* | Varies by profile | Varies by profile | Varies by profile | Varies by profile |
| AM Best Financial Strength Rating | A+ | A++ | A+ | A++ |
| J.D. Power Overall Customer Satisfaction Score | See latest study | See latest study (not rank‑eligible) | See latest study | See latest study |
| Online Quote Tool | ✓ | ✓ | ✓ |
*Statewide averages have risen since earlier studies. Recent analyses show typical West Virginia premiums around $1,300–$1,700 annually for standard coverage profiles (about $250,000–$300,000 in dwelling coverage). See Bankrate’s West Virginia guide and ValuePenguin’s analysis.
**Per the J.D. Power U.S. Home Insurance Study, the most recent results show overall satisfaction has declined as premiums rise; USAA is not officially ranked due to eligibility restrictions.
Best West Virginia Homeowners Insurance Companies
Allstate
Allstate’s discounts can help offset today’s higher premiums, making the company a solid choice for shoppers looking to save through bundling, claim‑free, early‑signing and other savings programs. Coverage options and endorsements vary by ZIP, so review add‑ons and limits carefully to make sure you get the protection you need.
Best for New Homeowners
Why we chose it
Why we chose it
Pros
- Comprehensive online claims tools
- Low average annual premium
Cons
- Some areas may have coverage limits
Discounts available
- Multi-policy discount
- Claim-free discount
- Early signing discount
Unique features
Allstate does offer a variety of discounts for its policyholders. For example, you can save 25% if you bundle your auto policy with your home insurance policy, and an additional 5% if you sign up for autopay.
Further Reading on Allstate:
USAA
USAA appears at the top of rating lists for its excellent customer service, comprehensive policies, and fair prices. The only catch is that you must be a current or former member of the military community to purchase a policy — check USAA membership eligibility — but if you are, the company should be your first stop.
Best for Military-Centric Options
Why we chose it
Why we chose it
Pros
- Top customer satisfaction ratings
- Discounts for multiple policies
Cons
- Only available to active military, their families, and veterans
Discounts available
- Bundle discounts
- Discount of 10% if no claims in the last five years
Unique features
Rates are middle of the road, but one major standout is that USAA is one of the best-reviewed insurance companies. If you are an active or retired military member, consider getting a quote from USAA. It offers a variety of coverage options that may suit
Further Reading on USAA:
Erie Insurance
Homeowners insurance isn’t a one-plan-fits-all type of thing, and Erie knows it. The company offers customizable insurance coverage so you can craft the right policy for your needs, and it often earns strong regional satisfaction and claims marks in independent research.
Best for Customized Policies
Why we chose it
Why we chose it
Pros
- Strong financial rating
- Customizable insurance coverage
Cons
- Higher annual premiums
- Limited availability
- No mobile app
Discounts available
- Multi-policy discounts averaging around 20% (16% – 25%)
- Advanced quote discounts
- Fire, burglary alarm, and sprinkler system credits
Unique features
With over 5,000 employees and 13,000 independent agents, Erie is no small fry when it comes to homeowners insurance in West Virginia. The company pushes “no gray areas” in coverage, helping you to understand every aspect of your policy as clearly as possible.
Further Reading on Erie:
State Farm
State Farm pairs broad availability and a large local agent network with competitive coverage options and useful online resources. For those new to homeownership, its educational content can help you understand coverage and maintenance basics, and you can file claims online in many situations.
Best for Coverage Options
Why we chose it
Why we chose it
Pros
- Comprehensive coverage for homeowners
- Unique add-ons like identity theft and inflation protection
Cons
- Expensive premiums
Discounts available
- Multiple line discount
- Home alert protection discount (fire, smoke, or burglar alarms)
- Roofing discounts based on the type of roofing products on the house
Unique features
What’s unique and worth noting is that State Farm offers the ability to file a claim online, which isn’t offered by all home insurance companies. Additionally, the company has a robust collection of learning tools that potential customers can access for free.
Further Reading on State Farm:
*Statewide averages have risen since earlier studies. Recent analyses show typical West Virginia premiums around $1,300–$1,700 annually for standard coverage profiles (about $250,000–$300,000 in dwelling coverage). See Bankrate’s West Virginia guide and ValuePenguin’s analysis.
**Per the J.D. Power U.S. Home Insurance Study, the most recent results show overall satisfaction has declined as premiums rise; USAA is not officially ranked due to eligibility restrictions
Average Cost of Homeowners Insurance in West Virginia
Recent market analyses place the average annual cost of homeowners insurance in West Virginia roughly in the mid‑$1,000s for a standard policy (commonly modeled around $250,000–$300,000 in dwelling coverage), with wide variation by ZIP code and home profile. West Virginia generally remains below the national average in the latest regulatory baseline (NAIC), but premiums have increased since 2021 amid higher rebuilding costs and reinsurance. The age of your home is a major factor: newer homes often price 15%–35% lower than older stock, while very old homes can be significantly higher; documented updates to roofs, plumbing, electrical, and HVAC can help (Bankrate; ValuePenguin; BLS CPI; Triple‑I).
Home Insurance add-ons that may further protect you
According to the Pew Charitable Trusts, flooding is the most costly and fastest-growing natural disaster across the nation, and West Virginia is no exception. Steep terrain and intense rainfall drive riverine and flash flooding; the state’s “100-year floodplain” viewer helps you understand mapped risk. Statewide flood-insurance take-up remains in the low single digits, according to FEMA data (take‑up rates). Yet many damaging floods occur outside high‑risk zones — consider a flood insurance policy even if you’re not required to carry one.
West Virginia’s Division of Homeland Security and Emergency Management works to mitigate these kinds of damages by employing Floodplain Management. This agency regulates issues like development of high-risk areas by inspecting building practices such as elevating homes or building near or below Base Flood Elevations (BFE). Many WV communities also participate in FEMA’s Community Rating System, which can earn NFIP premium discounts, and FEMA’s Risk Rating 2.0 now prices policies using property‑specific risk factors (West Virginia profile; Flood Insurance Manual). Even with this dedication to creating a safer home environment for West Virginians in the most flood-prone areas, there are still risks.
The Cheapest Homeowner Insurance Companies In West Virginia
| Home Insurance Company | Average Annual Premium* |
| Westfield | Varies by profile |
| USAA | Varies by profile |
| Allstate | Varies by profile |
| Erie | Varies by profile |
| State Farm | Varies by profile |
| Nationwide | Varies by profile |
*Figures vary widely by ZIP code, home characteristics, coverage limits, and discounts. For up‑to‑date statewide estimates, see Bankrate and ValuePenguin.
Top 3 Cheapest Homeowner Insurance Companies in West Virginia
- Westfield – Often among the lowest quotes for standard profiles (varies by ZIP and coverage)
- USAA – Competitive pricing for eligible military families; availability limited by membership
- Allstate – Frequently competitive with bundling and other discounts (varies by profile)
Top 3 Most Expensive Homeowner Insurance Companies in West Virginia
- Nationwide – Pricing varies by ZIP and coverage; compare quotes to see current positioning in your area
- State Farm – Rates vary by profile; can be above or below statewide averages depending on risks and discounts
- Erie – Pricing varies by profile and location; shop quotes locally
West Virginia home insurance premiums vary widely, and the “cheapest” or “most expensive” carrier depends on your location, home characteristics, coverage choices, and discounts. As of recent studies, a typical statewide average falls around the mid‑$1,000s per year for standard profiles, but quotes above or below that range are common — get personalized quotes to see your actual price (Bankrate; ValuePenguin).
Helpful Resources for West Virginia Homeowners
Looking for a little additional information on getting a homeowners insurance policy in the state of West Virginia? The state government created a nice list of local resources to help you in your search. The resources discuss things like types of policies, FAQs for the state, tips for selecting a provider, and even how to get a free smoke alarm. You can also compare complaint experience using the NAIC Consumer Complaint Index.
Homeowners Insurance FAQ
Methodology
We evaluated the companies based on their third-party agency ratings for customer experience, financial stability, as well as coverage options to determine which might be the best providers.
To compare home insurance companies across the board, we considered the following factors:
- Customer Ratings — Customer ratings are an indication of satisfaction with the process of filing a claim. We measured this using J.D. Power Homeowners Satisfaction ratings.
- Coverage — As there isn’t one company to fit everyone’s needs, we evaluated companies by the amount of coverage options and add-ons available.
- Confidence — It is extremely important for insurance companies to fulfill customers’ claims. Companies with sound financial strength will not have issues paying out claims, regardless of the amount. However, companies with weak financial strength might not be able to pay out claims. We measured this using AM Best’s ratings, which specializes in assessing the financial strength of insurance companies.
- Customer Experience — The amount of complaints a company receives is an indicator of the overall customer experience as it expresses dissatisfaction. We have based this measure on the NAIC National Complaint Index.
Rates and averages referenced here come from recent commercial rate analyses and regulatory datasets, including Bankrate, ValuePenguin, the NAIC Homeowners Insurance Report, and inflation context from the BLS CPI. These are sample estimates for comparison only — your quotes may differ.
The coverage limits for home insurance rates reflect the following coverage and limits:
- Coverage A, Dwelling: $250,000
- Coverage B, Other Structures: $25,000
- Coverage C, Personal Property: $125,000
- Coverage D, Loss of Use: $50,000
- Coverage E, Liability: $300,000
- Coverage F, Medical Payments: $1,000
The homeowners also have a $1,000 deductible and a separate wind and hail deductible (if required).
