The Best Home Insurance in West Virginia for 2025

Chubb, USAA and Amica are the best home insurance companies in West Virginia, according to our analysis.

To help you find the best home insurance in West Virginia, we gathered and analyzed data from insurance companies across the state. These are the insurers that earned 4.5 stars or more.

Rates are based on a sample homeowner with no recent claims, $300,000 of dwelling coverage, $300,000 of liability coverage and a $1,000 deductible.

» MORE: The best home insurance companies

Below are more details about the best homeowners insurance companies in West Virginia.

Note: Some insurance companies included in this article may have made changes in their underwriting practices and no longer issue new policies in your state.

Chubb caters to well-to-do homeowners, offering coverage that often costs extra from other insurers. For example, the company’s policies include extended replacement cost coverage for the structure of your home. This is useful in case it costs more than your dwelling limit to rebuild after a disaster. Chubb’s standard policies also cover water damage from backed-up sewers and drains.

Policyholders may be eligible for the company’s HomeScan service, which uses infrared cameras to look for problems behind the walls of your home.

» READ MORE: Chubb homeowners insurance review

Amica shines when it comes to customer service. It receives far fewer complaints than other insurers of a similar size, according to the National Association of Insurance Commissioners. Amica also earned high marks in two recent J.D. Power surveys about home insurance and customer satisfaction.

The company stands out for its range of coverage options. For example, you can customize your policy with extra coverage above your dwelling limit. You may also want to add coverage for identity theft or damage from backed-up drains.

» READ MORE: Amica homeowners insurance review

If you want to support companies that value sustainability, consider Cincinnati Insurance. In recent years, the insurer has cut fossil fuel emissions from both its facilities and company vehicles. When you buy Cincinnati home insurance, you may be able to add a “green upgrade” endorsement. With this coverage, you can use eco-friendly materials to repair or rebuild your home after a claim.

The company offers a variety of other options, including comprehensive coverage for high-value homes. You may be able to add coverage for things like identity theft, personal cyber attacks or certain types of water damage.

» READ MORE: Cincinnati homeowners insurance review

State Farm stands out for its long list of coverage options. Its policies generally include extra dwelling coverage in case it costs more than expected to rebuild your home.

You may be able to add coverage for things like identity theft and water damage from backed-up drains. Another option may be to add an inflation guard rider to your policy. This automatically increases your policy limits to keep up with rising costs.

State Farm offers a free Ting smart plug to home insurance policyholders as a perk. This device monitors your home’s electrical network to help prevent fires.

» READ MORE: State Farm homeowners insurance review

Erie stands out by including guaranteed replacement cost coverage for the structure of your home in most of the states it covers. With this, the company will pay to rebuild your home completely after a disaster, even if the amount exceeds your dwelling limit. Many insurers don’t offer this at all, even as an option.

If you bundle your home and auto insurance with Erie, you could get a discount of 15% or more. You may also be able to save on your premium if your home has safety and security features such as smoke alarms or sprinkler systems.

» READ MORE: Erie homeowners insurance review

Allstate offers several ways to customize your policy, including replacement cost coverage for your personal property and coverage for water damage caused by backed-up drains. Other options may include home-sharing coverage and reimbursement for replacing damaged items with energy-efficient versions.

You may have the option to upgrade your policy with the Enhanced Package. One benefit of this package is Deductible Rewards, which takes $100 off your deductible when you sign up, plus an additional $100 off for each year you go without filing a claim. If you do file a claim, your rates won’t go up.

» READ MORE: Allstate homeowners insurance review

USAA sells homeowners insurance to active military members, veterans and their families. If that’s you, you may want to consider USAA.

The company offers some perks for members of the military, like deductible-free coverage for military uniforms and equipment.

USAA homeowners insurance has certain features that many insurers charge extra for. For example, USAA covers your personal belongings on a replacement cost basis. Many companies pay only what your items are worth at the time of the claim.

» READ MORE: USAA homeowners insurance review

The average annual cost of home insurance in West Virginia is $1,770. That’s 16% less than the national average of $2,110.

In most U.S. states, including West Virginia, many insurers use your credit-based insurance score to help set rates. Your insurance score is similar but not identical to your traditional credit score.

In West Virginia, those with poor credit pay an average of $4,010 per year for homeowners insurance, according to NerdWallet’s rate analysis. That’s 127% more than those with good credit.

» MORE: Does your credit score affect home insurance rates?

How much you pay for homeowners insurance in West Virginia depends on where you live. For instance, the average cost of home insurance in Charleston is $2,040 per year, while homeowners in Morgantown pay $1,750 per year, on average.

» MORE: What’s the average cost of homeowners insurance?

Here are the insurers we found with average annual rates below the West Virginia average of $1,770.

» MORE: The cheapest homeowners insurance

Here are a few of the most common risks you may face as a West Virginia homeowner, along with ways to insure your home against them.

Flooding

Homeowners insurance doesn't cover flood damage. If you’re concerned about flooding, you’ll need to buy flood insurance to cover your property against flood damage. You can purchase flood insurance any time, but there’s often a 30-day waiting period before the insurance takes effect.

To check your flood risk, start by looking up your address on the Federal Emergency Management Agency's flood maps. However, FEMA’s maps don’t always capture all types of flood risk. You may want to check another source, like First Street, a private company that models climate hazards. Enter your address at the top of the page to see your home’s flood risk rating on a scale of 1 to 10.

» MORE: Do I need flood insurance?

Thunderstorms

Homeowners insurance policies generally cover damage caused by thunderstorms, including wind and hail. However, your policy may have a separate deductible for wind and hail claims.

These deductibles can be a flat rate, such as $1,000, or a percentage of your dwelling coverage limit. Suppose your policy has a $1,000 deductible for most claims and a 1% deductible for wind claims. If your house has $250,000 worth of dwelling coverage, you’d have to pay for the first $2,500 of wind damage yourself.

Winter storms

Homeowners insurance generally covers damage from winter storm, but be aware that some scenarios may require extra coverage. For instance, you’ll typically need flood insurance to cover flood damage caused by snowmelt.

Landslides and mudflows

Landslides and mudslides aren't covered under standard homeowners insurance policies. Landslides are considered “earth movement” events and usually need separate coverage. Mudflows may be covered if you have flood insurance. (Mudslides, which happen when a mass of earth and rock tumbles downhill, are not covered by any type of insurance.)

If you live in an at-risk area, make sure you have enough insurance to cover your home and belongings against damage from landslides or mudflows. 

Wildfires

Homeowners insurance covers fires, including damage caused by wildfires, but check your policy for specific coverage details and exclusions. Pay particular attention to your dwelling coverage limit. This is the amount the insurance company will pay to rebuild your house. A significant fire can destroy your home, so talk with your insurer to ensure you have enough coverage to rebuild if necessary.

» MORE: Wildfire insurance: What you need to know

West Virginia insurance department

The West Virginia Offices of the Insurance Commissioner oversees the insurance industry and provides consumers with information about insurance.

If you need to file a complaint against your insurer, you can do so online, by mail or via fax. The Consumer Services Division can also help answer questions about your coverage by phone at 888-879-9842.

How we rate homeowners insurance

NerdWallet’s star ratings reward companies for consumer-first features and practices. We evaluate factors such as consumer experience, coverage, discounts and financial strength.

In our research, we analyzed:

View our complete homeowners insurance rating methodology.