Westfield Insurance offers the cheapest homeowners insurance in West Virginia, with rates averaging $829 a year. In addition to an affordable price, your home insurance company should provide coverage that matches your needs and responsive customer service. Our guide to the best homeowners insurance companies in West Virginia is based on our analysis of rates, customer service ratings and products.
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What is the average cost of home insurance in West Virginia?
The average cost of home insurance in West Virginia is $1,483 a year, or $124 a month, based on our analysis of quotes for a typical house in every ZIP code in the state.
These averages do not include insurance rates for mobile homes or condominium units, which require different types of policies.
The price of home insurance in West Virginia is 15% lower than the national average of $146 a month. Among states, West Virginia has the 28th highest average home insurance rate in the nation.
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Cheapest home insurance quotes in West Virginia
Westfield offers the cheapest home insurance in West Virginia, with quoted rates averaging $829 a year, or $69 a month. The next-best rates are available from Erie Insurance, $118 a month, and State Farm, $124 a month.
| Company | Annual rate | Monthly rate |
|---|---|---|
| Westfield | $829 | $69 |
| Erie | $1,414 | $118 |
| State average | $1,483 | $124 |
| State Farm | $1,484 | $124 |
| Allstate | $1,616 | $135 |
| USAA | $1,770 | $147 |
| Nationwide | $1,786 | $149 |
| Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary. | ||
Insurance companies evaluate several factors to determine your rate, including:
- The age and construction style of your home
- The estimated cost to rebuild your home in the event of a total loss
- The risk factors in your neighborhood, including weather and crime rates
- Your credit and insurance history
- Any discounts you may be eligible to receive
Since each company weighs these factors differently and offers different discounts, you may qualify for a considerably lower rate with one than you do with others. This is why it’s best to compare quotes from multiple companies when you shop for home insurance.
West Virginia’s best homeowners insurance companies
USAA and Westfield have the best customer service scores among West Virginia home insurance companies. Westfield is also best for saving money, while State Farm is the state’s most popular home insurance company.
Best customer service scores: USAA and Westfield
USAA has the best satisfaction score from J.D. Power, while Westfield has the best complaint rating from the National Association of Insurance Commissioners (NAIC).
J.D. Power’s overall customer satisfaction index rankings are based on customer surveys rating home insurance companies on interaction, policy offerings, price, billing process, policy information and claims.
USAA’s satisfaction index rating of 882, on a 1,000-point scale, is tops among all home insurance companies in the nation. USAA is only available to current and former members of the military and their families.
The next-best scores belong to Erie and State Farm, 835 each. Westfield is not included in the study.
| Company | Satisfaction index ranking |
|---|---|
| USAA | 882 |
| Erie | 835 |
| State Farm | 835 |
| Allstate | 829 |
| Segment average | 825 |
| Nationwide | 812 |
| Westfield | Not included |
| Source: J.D. Power 2021 U.S. Home Insurance Study | |
The NAIC’s Complaint Index compares home insurance companies by confirmed complaints, which are complaints that lead to a finding of fault. The National Complaint Index is 1.0. A company with a 2.0 Complaint Index rating has twice as many confirmed complaints as expected for its size. A company with a 0.5 rating has half as many.
Westfield’s 0.09 Complaint Index rating is lowest, or best, among West Virginia home insurance companies. USAA and Nationwide tie for the second-best Complaint Index rating, 0.2 each.
| Company | Complaint Index rating |
|---|---|
| Westfield | 0.09 |
| USAA | 0.2 |
| Nationwide | 0.2 |
| Erie | 0.31 |
| State Farm | 0.32 |
| Allstate | 0.35 |
| National Complaint Index | 1.0 |
| Source: National Association of Insurance Commissioners, 2021 data | |
Best for saving money: Westfield
With rates that average 44% less than the state average, Westfield is often the best home insurance company for saving money, depending on the rates you quality to receive. The company’s low Complaint Index rating indicates that its low rates do not compromise its customer service capabilities.
Westfield rewards customers who bundle their home and auto insurance with benefits such as extended replacement cost coverage and free roadside assistance. Westfield’s extended replacement cost benefit essentially adds 25% to your policy’s dwelling limit, which is the amount of money the insurance company pays to rebuild your home.
Most popular home insurance company: State Farm
Even though State Farm does not offer the lowest rates in West Virginia, the company is the state’s largest, or most popular, home insurance company, with 27% market share, according to the NAIC.
Competitive rates and quality customer service are among the factors that lend to State Farm’s popularity. The company’s rates can become more competitive if you take advantage of the discounts it offers for things such as bundling your home and auto insurance and/or installing security devices in your home.
| Company | Market share* |
|---|---|
| State Farm | 27% |
| Erie | 18% |
| Nationwide | 9% |
| Allstate | 8% |
| Liberty Mutual | 6% |
| USAA | 5% |
| Westfield | 4% |
| Farmers & Mechanics | 3% |
| Municipal Mutual | 3% |
| State Auto | 2% |
| *Based on premium written. Source: National Association of Insurance Commissioners | |
Home insurance costs by city in West Virginia
In West Virginia’s largest cities, average home insurance costs range from $97 a month in Martinsburg to $128 in Huntington. The average price of home insurance in Charleston is $122 a month.
| City (by population ranking) | Monthly rate |
|---|---|
| Charleston | $122 |
| Huntington | $128 |
| Parkersburg | $118 |
| Morgantown | $102 |
| Wheeling | $104 |
| Martinsburg | $97 |
| Weirton | $107 |
| Fairmont | $106 |
| Beckley | $121 |
| Clarksburg | $102 |
| Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary. | |
Does home insurance in West Virginia cover floods or mine collapse?
Since standard home insurance in West Virginia does not cover damage from floods and mine collapse, you need separate insurance for financial protection from these risks.
Flood insurance in West Virginia
Most flood insurance in West Virginia is purchased through the government-backed National Flood Insurance Program (NFIP), but private flood insurance is also available from companies that specialize in this risk.
The average cost of NFIP flood insurance in West Virginia is $1,355 a year, or $113 a month, according to the Federal Emergency Management Agency (FEMA), which manages the program.
Flooding has historically been a widespread problem across the state, and devastating flash floods in 2016 killed 23 people. The state’s greatest flood risks are near rivers and streams, but severe thunderstorms have been known to cause flooding in areas away from these water sources.
If you apply for a mortgage on a home in a high-risk flood zone, your lender will require you to obtain flood insurance. You can also purchase flood insurance on an optional basis if you don’t have a mortgage and/or your home is in a low- or moderate-risk zone.
You can find the flood risk designation for your home, or a home you want to buy, online in the Flood Map Service Center on FEMA’s website.
According to FEMA, more than one in five flood insurance claims nationwide come from homes outside of high-risk areas.
FEMA authorizes local insurance agents who complete its flood insurance training program to sell NFIP insurance. You can find a FEMA-certified insurance agent near you on FEMA’s online provider directory.
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Home insurance for mine collapse in West Virginia
Home insurance for mine subsidence, which is the collapse of land above an underground mine, is widely available on an optional basis throughout West Virginia.
In 40 of the state’s 55 counties, home insurers are required to offer mine subsidence coverage for an additional fee, but you can reject the coverage by signing a waiver. In the remaining 15 counties, mine subsidence insurance is available by request.
Mine subsidence insurance pays up to $200,000 to repair damage caused by mine subsidence to your home or other structures on your property. The coverage excludes damage from other forms of earth movement, such as earthquakes and landslides.
The cost of mine subsidence insurance ranges from $10 to $48 a year for homes and $20 to $96 for non-residential buildings, depending on the amount of coverage you get. Though these prices are subject to change, they are determined by the state, not insurance companies.
Mine subsidence insurance does not cover damage to your belongings or temporary living expenses if mine subsidence leaves your home uninhabitable during repairs.
Frequently asked questions about home insurance in West Virginia
How much is homeowners insurance in West Virginia?
The average price of homeowners insurance for a detached, single-family home in West Virginia is $1,483 a year, or $124 a month.
How much does flood insurance cost in West Virginia?
Flood insurance in West Virginia costs, on average, $1,355 a year, or $113 a month, for policies issued through the National Flood Insurance Program. Rates are generally higher in high-risk flood zones than they are in low- and moderate-risk areas.
Who has the cheapest homeowners insurance in West Virginia?
Westfield Insurance has the cheapest rate on homeowners insurance in West Virginia. The company’s rates for a typical house average $69 a month statewide.
Methodology
Our analysis is based on a review of quotes obtained from Quadrant Information Services on standard HO-3 homeowners insurance for a typical detached home in every West Virginia ZIP code. Unless otherwise noted, policies include the following limits and deductibles:
- Dwelling coverage: $275,000
- Other structures: $27,500
- Personal property: $137,500
- Loss of use: $55,000
- Liability: $100,000
- Medical payments: $5,000
Sources:
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