{"id":323350,"date":"2025-11-08T00:38:52","date_gmt":"2025-11-08T05:38:52","guid":{"rendered":"https:\/\/www.reviews.com\/?page_id=111998"},"modified":"2025-11-08T00:38:52","modified_gmt":"2025-11-08T05:38:52","slug":"best-in-west-virginia","status":"publish","type":"page","link":"https:\/\/www.reviews.com\/insurance\/homeowners\/best-in-west-virginia\/","title":{"rendered":"Best West Virginia Homeowners Insurance Companies"},"content":{"rendered":"\n<p>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\u2011$1,000s per year (about $1,300\u2013$1,700 depending on coverage and profile), based on recent analyses from <a href=\"https:\/\/www.bankrate.com\">Bankrate<\/a> and <a href=\"https:\/\/www.valuepenguin.com\">ValuePenguin<\/a>, while the latest regulatory data show West Virginia remains below the national average overall (<a href=\"https:\/\/content.naic.org\">NAIC Homeowners Insurance Report<\/a>). And while the price is an important factor when choosing the <a href=\"https:\/\/www.reviews.com\/insurance\/homeowners\/best\/\">best homeowners insurance companies<\/a> in West Virginia, customers also need to look at factors like coverage, claims support, and unique features.<\/p>\n\n\n\n<p>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\u2011Owners, and Chubb (for high\u2011value homes) also perform well in recent independent studies (<a href=\"https:\/\/www.jdpower.com\/business\/press-releases\/2024-us-home-insurance-study\">J.D. Power<\/a>; <a href=\"https:\/\/www.chubb.com\">Chubb<\/a>).<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">The 4 Best Homeowners Insurance Companies in West Virginia<\/h2>\n\n\n            <span class=\"b-toc-anchor\" id=\"top-picks\" title=\"Our Top Picks\"><\/span>\n    \n\n\n<ul><li><a href=\"#allstate\">Allstate<\/a><\/li><li><a href=\"#usaa\">USAA<\/a><\/li><li><a href=\"#erie-insurance\">Erie Insurance<\/a><\/li><li><a href=\"#state-farm\">State Farm<\/a><\/li><\/ul>\n\n\n\n<figure class=\"wp-block-table table table-striped table-bordered table--bordered-top\"><table class=\"\"><tbody><tr><td><br><\/td><td><strong>Allstate<\/strong><\/td><td><strong>USAA<\/strong><\/td><td><strong>Erie Insurance<\/strong><\/td><td><strong>State Farm<\/strong><\/td><\/tr><tr><td><br><\/td><td><a class=\"achor-toggles\" href=\"https:\/\/www.reviews.com\/insurance\/homeowners\/allstate-review\/\">Our review<\/a><\/td><td><a class=\"achor-toggles\" href=\"https:\/\/www.reviews.com\/insurance\/homeowners\/usaa-review\/\">Our review<\/a><\/td><td><br><\/td><td><a href=\"https:\/\/www.reviews.com\/insurance\/homeowners\/state-farm-review\/\">Our review<\/a><\/td><\/tr><tr><td>Average Annual Premium*<\/td><td>Varies by profile<\/td><td>Varies by profile<\/td><td>Varies by profile<\/td><td>Varies by profile<\/td><\/tr><tr><td>AM Best Financial Strength Rating<\/td><td>A+<\/td><td>A++<\/td><td>A+<\/td><td>A++<\/td><\/tr><tr><td>J.D. Power Overall Customer Satisfaction Score<\/td><td>See latest study<\/td><td>See latest study (not rank\u2011eligible)<\/td><td>See latest study<\/td><td>See latest study<\/td><\/tr><tr><td>Online Quote Tool<\/td><td>\u2713<\/td><td>\u2713<\/td><td><br><\/td><td>\u2713<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p><em>*Statewide averages have risen since earlier studies. Recent analyses show typical West Virginia premiums around $1,300\u2013$1,700 annually for standard coverage profiles (about $250,000\u2013$300,000 in dwelling coverage). See <a href=\"https:\/\/www.bankrate.com\">Bankrate\u2019s West Virginia guide<\/a> and <a href=\"https:\/\/www.valuepenguin.com\">ValuePenguin\u2019s analysis<\/a>.<\/em><\/p>\n\n\n\n<p><em>**Per the <a href=\"https:\/\/www.jdpower.com\/business\/press-releases\/2024-us-home-insurance-study\">J.D. Power U.S. Home Insurance Study<\/a>, the most recent results show overall satisfaction has declined as premiums rise; USAA is not officially ranked due to eligibility restrictions.<\/em><\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Best West Virginia Homeowners Insurance Companies<\/h2>\n\n\n\n<h3 class=\"wp-block-heading\">Allstate<\/h3>\n\n\n            <span class=\"b-toc-anchor\" id=\"new-homeowners\" title=\"Best for New Homeowners\"><\/span>\n    \n\n\n<p>Allstate\u2019s discounts can help offset today\u2019s higher premiums, making the company a solid choice for shoppers looking to save through bundling, claim\u2011free, early\u2011signing and other savings programs. Coverage options and endorsements vary by ZIP, so review add\u2011ons and limits carefully to make sure you get the protection you need.<\/p>\n\n\n                                                \n\n\n<section id=\"allstate\" class=\"block b-mini-review\">\n    <div class=\"b-mini-review__top-content\">\n        <div class=\"b-mini-review__logo-wrapper\">\n                            <span class=\"b-mini-review__logo-wrapper-title\">Allstate<\/span>\n                    <\/div>\n        <div class=\"b-mini-review__top-info\">\n            <h3 class=\"b-mini-review__top-info-title\"> Best for New Homeowners<\/h3>\n                        <p class=\"b-mini-review__subtitle b-mini-review__top-info-subtitle\"> Why we chose it<\/p>\n                                    <div class=\"b-mini-review__top-info-desc\">\n                Allstate has a clean and intuitive website with a variety of tools and online resources to help you understand and take advantage of your policy. Granted, it does cost a bit more than other home insurance providers, and it&#8217;s possible what you want may not be available in your area. However, these factors are true for many home insurance providers on the market today.\n            <\/div>\n                    <\/div>\n        <div class=\"b-mini-review__ratings-bar\">\n            <div class=\"b-mini-review__ratings-bar-button-wrapper\">\n                                <a href=\"https:\/\/d.agkn.com\/pixel\/2267\/?che=[cachebuster]&#038;col=345361,859480,11659822&#038;l1=https:\/\/www.allstate.com\/landingpages\/lsp\/Affiliate-home-desktop.html?CID=AFF-REV-HO-074205-200616&#038;campaign=444490000074205&#038;clickid={clickid}&#038;source={irpid}&#038;subsource={sharedid}&#038;IRCmpID={ircid}&#038;rvitemid=325257-20\" class=\"reviews-btn--primary\" rel=\"nofollow sponsored\">Compare rates<\/a>\n            <\/div>\n            <div class=\"b-mini-review__ratings\">\n            <ul class=\"b-mini-review__ratings-list\">\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">$787*<\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        Average Premium\n                                                    <span class=\"tooltip-content\">Pricing data comes from our partners at Bankrate.com.<\/span>\n                                            <\/span>\n                <\/li>\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">A+<\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        AM Best Rate\n                                                    <span class=\"tooltip-content\">AM Best rates insurance providers creditworthiness. Ratings are  based on the provider\u2019s ability to follow through with a payout when a consumer files a claim.<\/span>\n                                            <\/span>\n                <\/li>\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">829**<\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        J.D. Power\n                                                    <span class=\"tooltip-content\">J.D. Power scores are based on surveys for customer satisfaction and product quality.<\/span>\n                                            <\/span>\n                <\/li>\n                        <\/ul>\n            <\/div>\n        <\/div>\n\n        <div class=\"b-mini-review__top-info_mobile\">\n            <p class=\"b-mini-review__subtitle b-mini-review__top-info-subtitle\">Why we chose it<\/p>\n            <div class=\"b-mini-review__top-info-desc\">\n                Allstate has a clean and intuitive website with a variety of tools and online resources to help you understand and take advantage of your policy. Granted, it does cost a bit more than other home insurance providers, and it&#8217;s possible what you want may not be available in your area. However, these factors are true for many home insurance providers on the market today.\n            <\/div>\n        <\/div>\n\n    <\/div>\n\n    <div class=\"b-mini-review__bottom-content\">\n        <div class=\"b-mini-review__pros-cons-list-wrapper\">\n            <h4 class=\"b-mini-review__subtitle\">Pros<\/h4>\n            <ul class=\"b-mini-review__pros-cons-list b-mini-review__pros-cons-list_pros\">\n                            <li>Comprehensive online claims tools<\/li>\n                            <li>Low average annual premium<\/li>\n                        <\/ul>\n\n                    <\/div>\n                    <div class=\"b-mini-review__pros-cons-list-wrapper\">\n                <h4 class=\"b-mini-review__subtitle\">Cons<\/h4>\n                <ul class=\"b-mini-review__pros-cons-list b-mini-review__pros-cons-list_cons\">\n                                    <li>Some areas may have coverage limits<\/li>\n                                <\/ul>\n            <\/div>\n        \n        <div class=\"b-mini-review__desc-wrapper \">\n            <div class=\"b-mini-review__accordion-header\">\n                <span class=\"b-mini-review__accordion-text\">Read More<\/span>\n            <\/div>\n            <div class=\"b-mini-review__accordion-content\">\n                            <h4 class=\"b-mini-review__subtitle\">Discounts available<\/h4>\n                <div> <ul>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Multi-policy discount<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Claim-free discount<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Early signing discount<\/span><\/li>\n<\/ul>\n <\/div>\n                            <h4 class=\"b-mini-review__subtitle\">Unique features<\/h4>\n                <div> <p><span style=\"font-weight: 400;\">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.<\/span><\/p>\n <\/div>\n                        <div>\n        <\/div>\n    <\/div>\n<\/section>\n\n\n\n<h4 class=\"wp-block-heading\">Further Reading on Allstate:<\/h4>\n\n\n\n<ul><li><a href=\"https:\/\/www.reviews.com\/insurance\/homeowners\/allstate-review\/\">Allstate Homeowners Insurance Review<\/a><\/li><li><a href=\"https:\/\/www.reviews.com\/insurance\/renters\/allstate-review\/\">Allstate Renters Insurance Review<\/a><\/li><li><a href=\"https:\/\/www.reviews.com\/insurance\/car\/allstate-review\/\">Allstate Auto Insurance Review<\/a><\/li><\/ul>\n\n\n\n<h3 class=\"wp-block-heading\">USAA<\/h3>\n\n\n            <span class=\"b-toc-anchor\" id=\"military-members-families\" title=\"Best for Military-Centric Options\"><\/span>\n    \n\n\n<p>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 <a href=\"https:\/\/www.reviews.com\/insurance\/homeowners\/veterans-guide-to-saving\/\">current or former member of the military community<\/a> to purchase a policy \u2014 check <a href=\"https:\/\/www.usaa.com\">USAA membership eligibility<\/a> \u2014 but if you are, the company should be your first stop.<\/p>\n\n\n                                                \n\n\n<section id=\"usaa\" class=\"block b-mini-review\">\n    <div class=\"b-mini-review__top-content\">\n        <div class=\"b-mini-review__logo-wrapper\">\n                            <span class=\"b-mini-review__logo-wrapper-title\">USAA<\/span>\n                    <\/div>\n        <div class=\"b-mini-review__top-info\">\n            <h3 class=\"b-mini-review__top-info-title\"> Best for Military-Centric Options<\/h3>\n                        <p class=\"b-mini-review__subtitle b-mini-review__top-info-subtitle\"> Why we chose it<\/p>\n                                    <div class=\"b-mini-review__top-info-desc\">\n                USAA is a top-rated company that truly serves anyone who has served in the U.S. military. Offering discounts to anyone who holds multiple policies with them, the only real drawback to this company is that it&#8217;s not available to everyone.\n            <\/div>\n                    <\/div>\n        <div class=\"b-mini-review__ratings-bar\">\n            <div class=\"b-mini-review__ratings-bar-button-wrapper\">\n                                <a href=\"https:\/\/www.kqzyfj.com\/click-5941215-11954322?sid=r17577&#038;rvitemid=325264-20\" class=\"reviews-btn--primary\" rel=\"nofollow sponsored\">Get a quote<\/a>\n            <\/div>\n            <div class=\"b-mini-review__ratings\">\n            <ul class=\"b-mini-review__ratings-list\">\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">$713*<\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        Average Premium\n                                                    <span class=\"tooltip-content\">Pricing data comes from our partners at Bankrate.com.<\/span>\n                                            <\/span>\n                <\/li>\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">A++<\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        AM Best Rate\n                                                    <span class=\"tooltip-content\">AM Best rates insurance providers creditworthiness. Ratings are  based on the provider\u2019s ability to follow through with a payout when a consumer files a claim.<\/span>\n                                            <\/span>\n                <\/li>\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">889**<\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        J.D. Power\n                                                    <span class=\"tooltip-content\">J.D. Power scores are based on surveys for customer satisfaction and product quality.<\/span>\n                                            <\/span>\n                <\/li>\n                        <\/ul>\n            <\/div>\n        <\/div>\n\n        <div class=\"b-mini-review__top-info_mobile\">\n            <p class=\"b-mini-review__subtitle b-mini-review__top-info-subtitle\">Why we chose it<\/p>\n            <div class=\"b-mini-review__top-info-desc\">\n                USAA is a top-rated company that truly serves anyone who has served in the U.S. military. Offering discounts to anyone who holds multiple policies with them, the only real drawback to this company is that it&#8217;s not available to everyone.\n            <\/div>\n        <\/div>\n\n    <\/div>\n\n    <div class=\"b-mini-review__bottom-content\">\n        <div class=\"b-mini-review__pros-cons-list-wrapper\">\n            <h4 class=\"b-mini-review__subtitle\">Pros<\/h4>\n            <ul class=\"b-mini-review__pros-cons-list b-mini-review__pros-cons-list_pros\">\n                            <li>Top customer satisfaction ratings<\/li>\n                            <li>Discounts for multiple policies<\/li>\n                        <\/ul>\n\n                    <\/div>\n                    <div class=\"b-mini-review__pros-cons-list-wrapper\">\n                <h4 class=\"b-mini-review__subtitle\">Cons<\/h4>\n                <ul class=\"b-mini-review__pros-cons-list b-mini-review__pros-cons-list_cons\">\n                                    <li>Only available to active military, their families, and veterans<\/li>\n                                <\/ul>\n            <\/div>\n        \n        <div class=\"b-mini-review__desc-wrapper \">\n            <div class=\"b-mini-review__accordion-header\">\n                <span class=\"b-mini-review__accordion-text\">Read More<\/span>\n            <\/div>\n            <div class=\"b-mini-review__accordion-content\">\n                            <h4 class=\"b-mini-review__subtitle\">Discounts available<\/h4>\n                <div> <ul>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Bundle discounts<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Discount of 10% if no claims in the last five years<\/span><\/li>\n<\/ul>\n <\/div>\n                            <h4 class=\"b-mini-review__subtitle\">Unique features<\/h4>\n                <div> <p><span style=\"font-weight: 400;\">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 <\/span><\/p>\n <\/div>\n                        <div>\n        <\/div>\n    <\/div>\n<\/section>\n\n\n\n<h4 class=\"wp-block-heading\">Further Reading on USAA:<\/h4>\n\n\n\n<ul><li><a href=\"https:\/\/www.reviews.com\/insurance\/homeowners\/usaa-review\/\">USAA Homeowners Insurance Review<\/a><\/li><li><a href=\"https:\/\/www.reviews.com\/insurance\/renters\/usaa-review\/\">USAA Renters Insurance Review<\/a><\/li><li><a href=\"https:\/\/www.reviews.com\/insurance\/car\/usaa-review\/\">USAA Auto Insurance Review<\/a><\/li><\/ul>\n\n\n\n<h3 class=\"wp-block-heading\">Erie Insurance<\/h3>\n\n\n            <span class=\"b-toc-anchor\" id=\"customized-policies\" title=\"Best for Customized Policies\"><\/span>\n    \n\n\n<p>Homeowners insurance isn\u2019t 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.<\/p>\n\n\n                                                \n\n\n<section id=\"erie-insurance\" class=\"block b-mini-review\">\n    <div class=\"b-mini-review__top-content\">\n        <div class=\"b-mini-review__logo-wrapper\">\n                            <span class=\"b-mini-review__logo-wrapper-title\">ERIE Insurance<\/span>\n                    <\/div>\n        <div class=\"b-mini-review__top-info\">\n            <h3 class=\"b-mini-review__top-info-title\"> Best for Customized Policies<\/h3>\n                        <p class=\"b-mini-review__subtitle b-mini-review__top-info-subtitle\"> Why we chose it<\/p>\n                                    <div class=\"b-mini-review__top-info-desc\">\n                Erie is a highly-ranked insurance provider for West Virginia homeowners. This is partially because you can truly customize your insurance policy to reflect everything you need. You could ultimately save money because you&#8217;re not paying for anything you don&#8217;t need.\n            <\/div>\n                    <\/div>\n        <div class=\"b-mini-review__ratings-bar\">\n            <div class=\"b-mini-review__ratings-bar-button-wrapper\">\n                                <a href=\"https:\/\/www.reviews.com\/insurance\/homeowners\/quotes\/?rvitemid=316528-20\" class=\"reviews-btn--primary\" rel=\" sponsored\">Compare rates<\/a>\n            <\/div>\n            <div class=\"b-mini-review__ratings\">\n            <ul class=\"b-mini-review__ratings-list\">\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">$1,132*<\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        Average Premium\n                                                    <span class=\"tooltip-content\">Pricing data comes from our partners at Bankrate.com.<\/span>\n                                            <\/span>\n                <\/li>\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">A+<\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        AM Best Rate\n                                                    <span class=\"tooltip-content\">AM Best rates insurance providers creditworthiness. Ratings are  based on the provider\u2019s ability to follow through with a payout when a consumer files a claim.<\/span>\n                                            <\/span>\n                <\/li>\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">839**<\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        J.D. Power\n                                                    <span class=\"tooltip-content\">J.D. Power scores are based on surveys for customer satisfaction and product quality.<\/span>\n                                            <\/span>\n                <\/li>\n                        <\/ul>\n            <\/div>\n        <\/div>\n\n        <div class=\"b-mini-review__top-info_mobile\">\n            <p class=\"b-mini-review__subtitle b-mini-review__top-info-subtitle\">Why we chose it<\/p>\n            <div class=\"b-mini-review__top-info-desc\">\n                Erie is a highly-ranked insurance provider for West Virginia homeowners. This is partially because you can truly customize your insurance policy to reflect everything you need. You could ultimately save money because you&#8217;re not paying for anything you don&#8217;t need.\n            <\/div>\n        <\/div>\n\n    <\/div>\n\n    <div class=\"b-mini-review__bottom-content\">\n        <div class=\"b-mini-review__pros-cons-list-wrapper\">\n            <h4 class=\"b-mini-review__subtitle\">Pros<\/h4>\n            <ul class=\"b-mini-review__pros-cons-list b-mini-review__pros-cons-list_pros\">\n                            <li>Strong financial rating<\/li>\n                            <li>Customizable insurance coverage<\/li>\n                        <\/ul>\n\n                    <\/div>\n                    <div class=\"b-mini-review__pros-cons-list-wrapper\">\n                <h4 class=\"b-mini-review__subtitle\">Cons<\/h4>\n                <ul class=\"b-mini-review__pros-cons-list b-mini-review__pros-cons-list_cons\">\n                                    <li>Higher annual premiums<\/li>\n                                    <li>Limited availability<\/li>\n                                    <li>No mobile app<\/li>\n                                <\/ul>\n            <\/div>\n        \n        <div class=\"b-mini-review__desc-wrapper \">\n            <div class=\"b-mini-review__accordion-header\">\n                <span class=\"b-mini-review__accordion-text\">Read More<\/span>\n            <\/div>\n            <div class=\"b-mini-review__accordion-content\">\n                            <h4 class=\"b-mini-review__subtitle\">Discounts available<\/h4>\n                <div> <ul>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Multi-policy discounts averaging around 20% (16% &#8211; 25%)<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Advanced quote discounts<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Fire, burglary alarm, and sprinkler system credits<\/span><\/li>\n<\/ul>\n <\/div>\n                            <h4 class=\"b-mini-review__subtitle\">Unique features<\/h4>\n                <div> <p><span style=\"font-weight: 400;\">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 &#8220;no gray areas&#8221; in coverage, helping you to understand every aspect of your policy as clearly as possible.<\/span><\/p>\n <\/div>\n                        <div>\n        <\/div>\n    <\/div>\n<\/section>\n\n\n\n<h4 class=\"wp-block-heading\">Further Reading on Erie:<\/h4>\n\n\n\n<ul><li><a href=\"https:\/\/www.reviews.com\/insurance\/renters\/erie-review\/\">Erie Renters Insurance Review<\/a><\/li><li><a href=\"https:\/\/www.reviews.com\/insurance\/car\/erie-review\/\">Erie Auto Insurance Review<\/a><\/li><\/ul>\n\n\n\n<h3 class=\"wp-block-heading\">State Farm<\/h3>\n\n\n            <span class=\"b-toc-anchor\" id=\"claim-payments\" title=\"Best for Coverage Options\"><\/span>\n    \n\n\n<p>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.<\/p>\n\n\n                                                \n\n\n<section id=\"state-farm\" class=\"block b-mini-review\">\n    <div class=\"b-mini-review__top-content\">\n        <div class=\"b-mini-review__logo-wrapper\">\n                            <span class=\"b-mini-review__logo-wrapper-title\">State Farm<\/span>\n                    <\/div>\n        <div class=\"b-mini-review__top-info\">\n            <h3 class=\"b-mini-review__top-info-title\"> Best for Coverage Options<\/h3>\n                        <p class=\"b-mini-review__subtitle b-mini-review__top-info-subtitle\"> Why we chose it<\/p>\n                                    <div class=\"b-mini-review__top-info-desc\">\n                State Farm may not have many of the same bells and whistles online when it comes to customer tools, but it truly shines when it comes to what matters most: coverage. In addition to your home itself, State Farm also provides coverage for keepsakes, hobby items, and yard or garden items.\n            <\/div>\n                    <\/div>\n        <div class=\"b-mini-review__ratings-bar\">\n            <div class=\"b-mini-review__ratings-bar-button-wrapper\">\n                                <a href=\"https:\/\/www.reviews.com\/insurance\/homeowners\/quotes\/?rvitemid=331752-20\" class=\"reviews-btn--primary\" rel=\" sponsored\">Get a quote<\/a>\n            <\/div>\n            <div class=\"b-mini-review__ratings\">\n            <ul class=\"b-mini-review__ratings-list\">\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">$1,217*<\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        Average Premium\n                                                    <span class=\"tooltip-content\">Pricing data comes from our partners at Bankrate.com.<\/span>\n                                            <\/span>\n                <\/li>\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">A++<\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        AM Best Rate\n                                                    <span class=\"tooltip-content\">AM Best rates insurance providers creditworthiness. Ratings are  based on the provider\u2019s ability to follow through with a payout when a consumer files a claim.<\/span>\n                                            <\/span>\n                <\/li>\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">829**<\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        J.D. Power\n                                                    <span class=\"tooltip-content\">J.D. Power scores are based on surveys for customer satisfaction and product quality.<\/span>\n                                            <\/span>\n                <\/li>\n                        <\/ul>\n            <\/div>\n        <\/div>\n\n        <div class=\"b-mini-review__top-info_mobile\">\n            <p class=\"b-mini-review__subtitle b-mini-review__top-info-subtitle\">Why we chose it<\/p>\n            <div class=\"b-mini-review__top-info-desc\">\n                State Farm may not have many of the same bells and whistles online when it comes to customer tools, but it truly shines when it comes to what matters most: coverage. In addition to your home itself, State Farm also provides coverage for keepsakes, hobby items, and yard or garden items.\n            <\/div>\n        <\/div>\n\n    <\/div>\n\n    <div class=\"b-mini-review__bottom-content\">\n        <div class=\"b-mini-review__pros-cons-list-wrapper\">\n            <h4 class=\"b-mini-review__subtitle\">Pros<\/h4>\n            <ul class=\"b-mini-review__pros-cons-list b-mini-review__pros-cons-list_pros\">\n                            <li>Comprehensive coverage for homeowners<\/li>\n                            <li>Unique add-ons like identity theft and inflation protection<\/li>\n                        <\/ul>\n\n                    <\/div>\n                    <div class=\"b-mini-review__pros-cons-list-wrapper\">\n                <h4 class=\"b-mini-review__subtitle\">Cons<\/h4>\n                <ul class=\"b-mini-review__pros-cons-list b-mini-review__pros-cons-list_cons\">\n                                    <li>Expensive premiums<\/li>\n                                <\/ul>\n            <\/div>\n        \n        <div class=\"b-mini-review__desc-wrapper \">\n            <div class=\"b-mini-review__accordion-header\">\n                <span class=\"b-mini-review__accordion-text\">Read More<\/span>\n            <\/div>\n            <div class=\"b-mini-review__accordion-content\">\n                            <h4 class=\"b-mini-review__subtitle\">Discounts available<\/h4>\n                <div> <ul>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Multiple line discount<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Home alert protection discount (fire, smoke, or burglar alarms)<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Roofing discounts based on the type of roofing products on the house<\/span><\/li>\n<\/ul>\n <\/div>\n                            <h4 class=\"b-mini-review__subtitle\">Unique features<\/h4>\n                <div> <p><span style=\"font-weight: 400;\">What&#8217;s unique and worth noting is that State Farm offers the ability to file a claim online, which isn&#8217;t offered by all home insurance companies. Additionally, the company has a robust collection of learning tools that potential customers can access for free.<\/span><\/p>\n <\/div>\n                        <div>\n        <\/div>\n    <\/div>\n<\/section>\n\n\n\n<h3 class=\"wp-block-heading\">Further Reading on State Farm:<\/h3>\n\n\n\n<ul><li><a href=\"https:\/\/www.reviews.com\/insurance\/homeowners\/state-farm-review\/\">State Farm Homeowners Insurance Review<\/a><\/li><li><a href=\"https:\/\/www.reviews.com\/insurance\/car\/geico-vs-state-farm\/\">Geico vs. State Farm<\/a><\/li><li><a href=\"https:\/\/www.reviews.com\/insurance\/car\/state-farm-review\/\">State Farm Auto Insurance Review<\/a><\/li><\/ul>\n\n\n\n<p><em>*Statewide averages have risen since earlier studies. Recent analyses show typical West Virginia premiums around $1,300\u2013$1,700 annually for standard coverage profiles (about $250,000\u2013$300,000 in dwelling coverage). See <a href=\"https:\/\/www.bankrate.com\">Bankrate\u2019s West Virginia guide<\/a> and <a href=\"https:\/\/www.valuepenguin.com\">ValuePenguin\u2019s analysis<\/a>.<\/em><\/p>\n\n\n\n<p><em>**Per the <a href=\"https:\/\/www.jdpower.com\/business\/press-releases\/2024-us-home-insurance-study\">J.D. Power U.S. Home Insurance Study<\/a>, the most recent results show overall satisfaction has declined as premiums rise; USAA is not officially ranked due to eligibility restrictions<\/em><\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Average Cost of Homeowners Insurance in West Virginia<\/h2>\n\n\n            <span class=\"b-toc-anchor\" id=\"guide\" title=\"Guide to West Virginia Homeowners Insurance\"><\/span>\n    \n\n\n<p>Recent market analyses place the average annual cost of homeowners insurance in West Virginia roughly in the mid\u2011$1,000s for a standard policy (commonly modeled around $250,000\u2013$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 (<a href=\"https:\/\/content.naic.org\">NAIC<\/a>), 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%\u201335% lower than older stock, while very old homes can be significantly higher; documented updates to roofs, plumbing, electrical, and HVAC can help (<a href=\"https:\/\/www.bankrate.com\">Bankrate<\/a>; <a href=\"https:\/\/www.valuepenguin.com\">ValuePenguin<\/a>; <a href=\"https:\/\/www.bls.gov\/cpi\/\">BLS CPI<\/a>; <a href=\"https:\/\/www.iii.org\/article\/what-determines-the-cost-of-your-homeowners-insurance\">Triple\u2011I<\/a>).<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Home Insurance add-ons that may further protect you<\/h2>\n\n\n\n<p>According to the Pew Charitable Trusts, flooding is the&nbsp;<a rel=\"noreferrer noopener\" href=\"https:\/\/www.pewtrusts.org\/en\/research-and-analysis\/fact-sheets\/2016\/06\/national-flood-insurance-program-needs-reform-to-better-prepare-for-the-future\" target=\"_blank\">most costly and fastest-growing natural disaster<\/a>&nbsp;across the nation, and West Virginia is no exception. Steep terrain and intense rainfall drive riverine and flash flooding; the state\u2019s \u201c<a rel=\"noreferrer noopener\" href=\"https:\/\/www.mapwv.gov\/flood\/map\/\" target=\"_blank\">100-year floodplain<\/a>\u201d viewer helps you understand mapped risk. Statewide flood-insurance take-up remains in the low single digits, according to FEMA data (<a href=\"https:\/\/www.fema.gov\">take\u2011up rates<\/a>). Yet many damaging floods occur outside high\u2011risk zones \u2014 consider a&nbsp;<a href=\"https:\/\/www.reviews.com\/insurance\/homeowners\/how-does-flood-insurance-work\/\">flood insurance policy<\/a> even if you\u2019re not required to carry one.<\/p>\n\n\n\n<p>West Virginia\u2019s Division of Homeland Security and Emergency Management works to mitigate these kinds of damages by employing&nbsp;<a href=\"https:\/\/dhsem.wv.gov\/MitigationRecovery\/Documents\/Floodplain%20Management%20in%20WV%20Quick%20Guide.pdf\" target=\"_blank\" rel=\"nofollow noopener noreferrer\">Floodplain Management<\/a>. 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\u2019s <a href=\"https:\/\/www.fema.gov\/floodplain-management\/community-rating-system\">Community Rating System<\/a>, which can earn NFIP premium discounts, and FEMA\u2019s Risk Rating 2.0 now prices policies using property\u2011specific risk factors (<a href=\"https:\/\/www.fema.gov\">West Virginia profile<\/a>; <a href=\"https:\/\/www.fema.gov\">Flood Insurance Manual<\/a>). Even with this dedication to creating a safer home environment for West Virginians in the most flood-prone areas, there are still risks.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">The Cheapest Homeowner Insurance Companies In West Virginia<\/h3>\n\n\n\n<figure class=\"wp-block-table table table-striped table-bordered table--bordered-top\"><table class=\"\"><tbody><tr><td><strong>Home Insurance Company<\/strong><\/td><td><strong>Average Annual Premium*<\/strong><\/td><\/tr><tr><td>Westfield<\/td><td>Varies by profile<\/td><\/tr><tr><td>USAA<\/td><td>Varies by profile<\/td><\/tr><tr><td>Allstate<\/td><td>Varies by profile<\/td><\/tr><tr><td>Erie<\/td><td>Varies by profile<\/td><\/tr><tr><td>State Farm<\/td><td>Varies by profile<\/td><\/tr><tr><td>Nationwide<\/td><td>Varies by profile<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p><em>*Figures vary widely by ZIP code, home characteristics, coverage limits, and discounts. For up\u2011to\u2011date statewide estimates, see <a href=\"https:\/\/www.bankrate.com\">Bankrate<\/a> and <a href=\"https:\/\/www.valuepenguin.com\">ValuePenguin<\/a>.<\/em><\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>Top 3 Cheapest Homeowner Insurance Companies in West Virginia<\/strong><\/h3>\n\n\n\n<ul><li><strong>Westfield \u2013<\/strong> Often among the lowest quotes for standard profiles (varies by ZIP and coverage)<\/li><li><strong>USAA \u2013<\/strong> Competitive pricing for eligible military families; availability limited by membership<\/li><li><strong>Allstate \u2013<\/strong> Frequently competitive with bundling and other discounts (varies by profile)<\/li><\/ul>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>Top 3 Most Expensive Homeowner Insurance Companies in West Virginia<\/strong><\/h3>\n\n\n\n<ul><li><strong>Nationwide \u2013<\/strong> Pricing varies by ZIP and coverage; compare quotes to see current positioning in your area<\/li><li><strong>State Farm \u2013<\/strong> Rates vary by profile; can be above or below statewide averages depending on risks and discounts<\/li><li><strong>Erie\u00a0\u2013<\/strong> Pricing varies by profile and location; shop quotes locally<\/li><\/ul>\n\n\n\n<p>West Virginia home insurance premiums vary widely, and the \u201ccheapest\u201d or \u201cmost expensive\u201d carrier depends on your location, home characteristics, coverage choices, and discounts. As of recent studies, a typical statewide average falls around the mid\u2011$1,000s per year for standard profiles, but quotes above or below that range are common \u2014 get personalized quotes to see your actual price (<a href=\"https:\/\/www.bankrate.com\">Bankrate<\/a>; <a href=\"https:\/\/www.valuepenguin.com\">ValuePenguin<\/a>).<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Helpful Resources for West Virginia Homeowners<\/h2>\n\n\n\n<p>Looking for a little additional information on getting a homeowners insurance policy in the state of West Virginia? The <a href=\"https:\/\/www.wvinsurance.gov\/consumerservices\/Consumer-Services\/Fair-Plan\">state government created a nice list of local resources<\/a> 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.&nbsp;You can also compare complaint experience using the <a href=\"https:\/\/content.naic.org\">NAIC Consumer Complaint Index<\/a>.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Homeowners Insurance FAQ<\/h2>\n\n\n            <span class=\"b-toc-anchor\" id=\"faq\" title=\"Frequently Asked Questions\"><\/span>\n    \n\n<div id=\"block_61f7eeb27b7bc\" class=\"block b-accordion\" data-js=\"b-accordion\">\n    <div class=\"b-accordion__container\">\n        <div class=\"b-accordion__header\">\n            <a href=\"#\" class=\"b-accordion__title\" data-tag='cta' data-tag-element-type='LINK' data-tag-location='ACCORDION' data-tag-outcome='INTERNALLINK' ><h3 class=\"b-accordion__title--h3\">Is homeowners insurance required in West Virginia?<\/h3><\/a>\n            <span class=\"b-accordion__toggle chevron-arrow-down\"><\/span>\n        <\/div>\n        <div class=\"b-accordion__content\" style=\"display: none;\">\n            <p><span style=\"font-weight: 400;\">Homeowners insurance in West Virginia is optional when it comes to state legislation. However, if you have a mortgage on your home, most likely, your lender will require you to carry coverage. Additionally, it may be in your best interest to carry coverage to protect your home and belongings from unexpected occurrences.<\/span><\/p>\n\n        <\/div>\n    <\/div>\n<\/div>\n\n\n\n<div id=\"block_61f7eec27b7bd\" class=\"block b-accordion\" data-js=\"b-accordion\">\n    <div class=\"b-accordion__container\">\n        <div class=\"b-accordion__header\">\n            <a href=\"#\" class=\"b-accordion__title\" data-tag='cta' data-tag-element-type='LINK' data-tag-location='ACCORDION' data-tag-outcome='INTERNALLINK' ><h3 class=\"b-accordion__title--h3\">What is the cheapest homeowners insurance in West Virginia?<\/h3><\/a>\n            <span class=\"b-accordion__toggle chevron-arrow-down\"><\/span>\n        <\/div>\n        <div class=\"b-accordion__content\" style=\"display: none;\">\n            <p><span style=\"font-weight: 400;\">When it comes to the <\/span><a href=\"https:\/\/www.reviews.com\/insurance\/homeowners\/best-cheap\/\"><span style=\"font-weight: 400;\">least expensive homeowners insurance companies<\/span><\/a><span style=\"font-weight: 400;\"> in West Virginia, the leading companies are Westfield, USAA, and Allstate.<\/span><span style=\"font-weight: 400;\"> Keep in mind, though, that your rates may vary based on the provider, so it\u2019s best to shop a few options before making a final selection.<\/span><\/p>\n\n        <\/div>\n    <\/div>\n<\/div>\n\n\n\n\n<h2 class=\"wp-block-heading\">Methodology<\/h2>\n\n\n            <span class=\"b-toc-anchor\" id=\"methodology\" title=\"Methodology\"><\/span>\n    \n\n\n<p>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.&nbsp;<\/p>\n\n\n\n<p>To compare home insurance companies across the board, we considered the following factors:<\/p>\n\n\n\n<ul><li>Customer Ratings \u2014 Customer ratings are an indication of satisfaction with the process of filing a claim. We measured this using <a href=\"https:\/\/www.jdpower.com\/business\/press-releases\/2024-us-home-insurance-study\">J.D. Power Homeowners Satisfaction<\/a> ratings.<\/li><li>Coverage \u2014 As there isn\u2019t one company to fit everyone\u2019s needs, we evaluated companies by the amount of coverage options and add-ons available.&nbsp;<\/li><li>Confidence \u2014 It is extremely important for insurance companies to fulfill customers\u2019 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 <a href=\"https:\/\/web.ambest.com\/ratings\/guide-to-best-s-credit-ratings\">AM Best\u2019s ratings<\/a>, which specializes in assessing the financial strength of insurance companies.<\/li><li>Customer Experience \u2014 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 <a href=\"https:\/\/content.naic.org\">NAIC National Complaint Index<\/a>.<\/li><\/ul>\n\n\n\n<p>Rates and averages referenced here come from recent commercial rate analyses and regulatory datasets, including <a href=\"https:\/\/www.bankrate.com\">Bankrate<\/a>, <a href=\"https:\/\/www.valuepenguin.com\">ValuePenguin<\/a>, the <a href=\"https:\/\/content.naic.org\">NAIC Homeowners Insurance Report<\/a>, and inflation context from the <a href=\"https:\/\/www.bls.gov\/cpi\/\">BLS CPI<\/a>. These are sample estimates for comparison only \u2014 your quotes may differ.<\/p>\n\n\n\n<p>The coverage limits for home insurance rates reflect the following coverage and limits:<\/p>\n\n\n\n<ul><li>Coverage A, Dwelling: $250,000<\/li><li>Coverage B, Other Structures: $25,000<\/li><li>Coverage C, Personal Property: $125,000<\/li><li>Coverage D, Loss of Use: $50,000<\/li><li>Coverage E, Liability: $300,000<\/li><li>Coverage F, Medical Payments: $1,000<\/li><\/ul>\n\n\n\n<p>The homeowners also have a $1,000 deductible and a separate wind and hail deductible (if required).<\/p>\n","protected":false},"excerpt":{"rendered":"<p>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\u2011$1,000s per year (about $1,300\u2013$1,700 depending on coverage and profile), based on recent analyses from Bankrate and ValuePenguin, while the latest regulatory data show [&hellip;]<\/p>\n","protected":false},"author":345,"featured_media":343414,"parent":1691,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"page-templates\/template-refresh.php","meta":[],"categories":[1268],"tags":[],"post_author":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v20.8 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>The Best West Virginia Homeowners Insurance Companies | Reviews.com<\/title>\n<meta name=\"description\" content=\"Our review of homeowner insurance in West Virginia, including coverage options, premiums, discounts, and more. 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