Best Homeowners Insurance in West Virginia (2024)

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Updated: December 4, 2024

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Erie stands out as the top home insurance company in West Virginia according to your needs. While Erie offers an excellent balance of cost and quality, AAA has the most affordable options, specifically for new homeowners valuing cost-saving.

Our data collection involved quotes based on a dwelling coverage limit of $100,000. The premium you pay is tied to the amount of dwelling coverage you need.

MoneyGeek's analysis of the cheapest home insurance in West Virginia can guide those prioritizing cost regardless of service quality.

Key Takeaways

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In West Virginia, USAA emerges as the leading homeowners insurance provider with an impressive MoneyGeek score of 93 out of 100, offering excellent policies tailored specifically for veterans and their families. AAA serves as the runner-up, achieving a MoneyGeek score of 90 out of 100, and presents the most affordable home insurance options, especially for cost-conscious new homeowners.

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For the cheapest homeowners insurance in West Virginia, AAA emerges as the top provider with an annual premium of $663, offering the most affordable coverage for cost-conscious homeowners. The runner-up in affordability is Nationwide, making it another option for those prioritizing cost savings.

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For those prioritizing customer service in West Virginia, Erie is the standout homeowners insurance provider with a MoneyGeek score of 88 out of 100. If you're considering alternatives, Nationwide is the runner-up, scoring 74 out of 100. Prioritizing service quality ensures responsive support and efficient claims processing.

Why Trust MoneyGeek? To find top-notch homeowners insurance options in West Virginia, we've analyzed key information from the West Virginia Department of Insurance alongside data from Quadrant Information Services.

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Home insurance rates in West Virginia represent the latest quotes as of July 2024.

691,200Quotes Analyzed
 
8Companies Compared
 
5ZIP Codes

Overall Best Homeowners Insurance in West Virginia

If you're searching for the Erie, offering the best home insurance in West Virginia, look no further. For homeowners interested in the top insurance options, take a look at the best overall homeowners insurance providers in West Virginia below:

  • Erie: MoneyGeek score of 84 out of 100 ($880 per year)
  • AAA: MoneyGeek score of 81 out of 100 ($663 per year)

Homeowners in West Virginia will find a selection of companies offering varying degrees of cost and service experiences.

Company logo for Erie
Best OverallErie
MoneyGeek Score:
84/ of 100
Overview

Erie leads in customer satisfaction in West Virginia with top marks, ensuring an outstanding service experience for homeowners. The company's average annual premium is $880.

Erie provides guaranteed replacement cost, which assures homeowners of 100% coverage for rebuilding their home as it was — subject only to policy limits, without depreciation concerns. Additionally, they offer common valuables coverage, providing ample limits for items like jewelry or art without needing an additional rider, thereby simplifying asset protection.

Best Homeowners Insurance in West Virginia for Customer Service

Erie stands out as the premier home insurance provider in West Virginia, delivering the highest service quality to homeowners. These companies provide the best service:

  • Erie: MoneyGeek score of 88 out of 100 ($872 per year)
  • Nationwide: MoneyGeek score of 74 out of 100 ($809 per year)

Valuing service quality in a home insurance provider means placing importance on responsive customer support, efficient claims processing, and trustworthy dealings.

Company logo for Erie
Best for ServiceErie
MoneyGeek Score:
88/ of 100
Overview

Erie Insurance leads in West Virginia with a stellar customer satisfaction score of 65 out of 65, indicative of exceptional service quality. The company offers homeowners an average annual premium of $872, combining affordability with superior service.

Among Erie's reasonably common coverages, guaranteed replacement cost ensures full property replacement without depreciation concerns. Additionally, coverage for valuables provides significant limits for possessions like jewelry and electronics.

Best Cheap Homeowners Insurance in West Virginia

AAA is the top pick for affordable home insurance in West Virginia for budget-conscious homeowners. Take a look at the best and cheapest homeowners insurance providers in West Virginia for those on a budget below.

  • AAA: MoneyGeek score of 90 out of 100 ($663 per year)
  • Nationwide: MoneyGeek score of 83 out of 100 ($809 per year)

The cheapest premiums do not always guarantee the best service. It's beneficial to select an insurance provider that offers a good balance between affordable premiums and excellent service.

Look for providers and compare with the average cost of home insurance in West Virginia.

Company logo for AAA
Best CheapAAA
MoneyGeek Score:
90/ of 100
Overview

AAA stands out in West Virginia with an affordability score of 75 out of 75. Its average annual premium is just $663. Homeowners seeking budget-friendly options are well-served by this insurer's balanced blend of low costs and substantial coverage.

AAA provides a variety of common and reasonably common discounts to help homeowners minimize premiums further. For instance, installing protective device systems like burglar alarms can yield significant savings. Scheduled personal property enhances standard coverage by securing higher-value items such as jewelry or fine art.

Best Homeowners Insurance in West Virginia for Expensive Homes

Westfield Insurance leads the market as the best home insurance provider in West Virginia for owners of expensive homes. These rankings include the foremost providers for homes requiring up to $1 million in dwelling coverage.

  • Westfield Insurance: MoneyGeek score of 78 out of 100 ($2,411 per year)
  • Erie: MoneyGeek score of 74 out of 100 ($5,349 per year)

Westfield Insurance boasts the highest affordability score. For expensive homes, which often demand more extensive coverage, identifying a provider that balances affordability with comprehensive coverage is crucial.

Company logo for Westfield
Best for Expensive HomesWestfield
MoneyGeek Score:
78/ of 100
Overview

Westfield Insurance leads as the best provider for high-value homes in West Virginia, boasting the top affordability score and an average annual premium of $2,411. While the company does not list discounts, homeowners can still find value in the premium's cost-effectiveness.

Expensive homes often warrant additional protection, and Westfield Insurance offers cyber event/ID theft and equipment breakdown coverages. These options cover costs due to digital crimes and repairs or replacements of home systems and appliances.

Best Homeowners Insurance in West Virginia for New Homes

In West Virginia, Nationwide offers the best home insurance for those with new homes. For $500K in dwelling coverage, these providers stand out for their exceptional MoneyGeek scores, ensuring homeowners in West Virginia get the best and most affordable options.

  • Nationwide: MoneyGeek score of 80 out of 100 ($1,361 per year)
  • Erie: MoneyGeek score of 57 out of 100 ($1,473 per year)

Nationwide’s affordability score and service score mean homeowners are presented with an advantageous mix of cost efficiency and reliable service.

Company logo for Nationwide
Best for New HomesNationwide
MoneyGeek Score:
80/ of 100
Overview

Nationwide emerges as the most affordable home insurance provider for new homeowners in West Virginia, with a perfect affordability score and an average annual premium of $1,361. Its guaranteed replacement cost coverage ensures your home is rebuilt even if costs exceed policy limits.

Nationwide offers discounts, including savings for renovators who update their home's plumbing, electrical, or heating systems and for homes with certain roofing materials that can withstand extreme weather.

Best Homeowners Insurance in West Virginia for Veterans

For veterans, USAA is the premier home insurance provider in the state, offering policies uniquely tailored to military members, veterans and their families. USAA’s annual premium stands at $686. Explore the most economical and top-rated homeowners insurance for veterans in West Virginia for veterans and military families below:

  • USAA MoneyGeek score of 93 ($686 per year)
  • Erie: MoneyGeek score of 82 out of 100 ($872 per year)

Selecting the optimal homeowners insurance company is crucial for veterans, who require a provider that acknowledges their distinctive circumstances, such as frequent moves and deployment readiness, assuring their homes and possessions remain secure in all situations.

Company logo for USAA
Best for VeteransUSAA
MoneyGeek Score:
93/ of 100
Overview

USAA stands out as the insurer dedicated to serving military members and their families. With an impressive affordability score of 54 out of 55 and a perfect customer claims satisfaction score of 30 out of 30 in West Virginia, USAA offers policies with an average annual premium of $686.

One notable inclusion in their coverage is personal property replacement cost, which ensures owners can replace their belongings with new items of comparable quality without considering depreciation.

USAA also offers a connected home discount, which rewards those who enhance their home's security with smart technology, reducing premium costs. Loyalty savings is another benefit, where continued patronage leads to up to 5% savings on your homeowner's insurance.

How to Find the Best Homeowners Insurance in West Virginia for You

Selecting the right insurance depends on individual needs, encompassing factors like the value of the home and personal belongings. Below are the steps to follow to help you find a policy that offers optimal protection for your unique situation.

  1. 1

    Assess Your Insurance Needs

    Begin by evaluating the specifics of your home and belongings to pinpoint how much coverage you need. Factor in the value of your home and personal possessions and any unique considerations, such as high-value items or potential risks in your area.

  2. 2

    Research Various Providers

    Delve into the market to identify insurance providers, scrutinizing their reputation, customer service track record and financial solidity. Assess local and national companies, and gather information on their offerings to determine who might best meet your needs.

  3. 3

    Compare Coverage and Costs

    With your list of providers, analyze the differences in the policies offered. Look at the coverage limits, deductibles, exclusions, and additional protections available. Compare home insurance quotes and find the most competitive rates that do not compromise your coverage needs.

  4. 4

    Understand the Policy Details

    Examine each policy's fine print carefully. Verify what is covered and what is not. Understand the claims process, the terms of replacement cost vs. actual cash value, and how incidents are assessed.

  5. 5

    Consult with an Independent Agent

    To ensure a well-informed decision, communicate with an independent insurance agent. Their expertise can guide you through evaluating policies, clarifying industry jargon, and they can leverage their networks to potentially secure better rates or more comprehensive coverage for your situation.

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DOES HOME INSURANCE COVER FLOOD DAMAGE IN WEST VIRGINIA?

West Virginia homeowners are not legally obligated to carry flood insurance. Still, purchasing flood insurance in West Virginia can provide valuable protection from flood-related losses.

FAQ: Homeowners Insurance in West Virginia

Selecting the best homeowners insurance provider in West Virginia hinges on your individual needs and priorities. As you navigate the options, consider these common questions to guide your decision-making process.

Which insurance company is best for home insurance in West Virginia?

Who has the most affordable homeowners insurance in West Virginia?

About Mark Fitzpatrick

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Mark Fitzpatrick is a Licensed Property and Casualty Insurance Producer and MoneyGeek's Head of Insurance. He has analyzed the insurance market for over five years, conducting original research and creating personalized content for every kind of buyer. He has been quoted in several insurance-related publications, including CNBC, NBC News and Mashable.

Fitzpatrick earned a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He is passionate about using his knowledge of economics and insurance to bring transparency around financial topics and help others feel confident in their money moves.

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