Fact CheckedNerdy takeaways
Chubb is the top-rated insurer in West Virginia, offering the best coverage for high-value homes.
Amica provides the best digital tools.
State Farm offers the best value for West Virginia homeowners.
Cincinnati Insurance draws the fewest consumer complaints.
USAA is our top pick for military families.
Some top-rated West Virginia home insurers offer exceptional service, low rates or coverage that deserves a shoutout. However, the best homeowners insurance in West Virginia will depend on what matters to you as a homeowner.
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. Even if an insurer serves your state, it may not write policies for all homes in all areas.
The best home insurance in West Virginia
Best coverage for high-value homes
Chubb
- Far fewer consumer complaints than expected for a company of its size.
- Standard coverage includes features that many companies offer only as extras.
- Perks to help you protect your home.
- Most consumers can't get a quote online and will instead need to contact a local agent.
Why it’s worth a look: Chubb’s policies for high-value homes include generous coverage and lots of perks. For example, they cover damage from water that backs up into your home. (This insurance usually costs extra from other companies.) They also include a service called HomeScan, which uses infrared technology to look for problems behind your walls.
Standout feature: If you decide not to rebuild your home after it’s destroyed, Chubb offers a cash settlement option.
Average rates: Not available.
» READ MORE: Chubb homeowners insurance review
Best digital tools
Amica
- High customer satisfaction ratings and low consumer complaints.
- Platinum Choice package offers extra coverage.
- Dividend policies can return a portion of your premiums.
- You can start a quote online but may have to finish the buying process by phone.
Why it’s worth a look: Amica makes it easy to manage your policy online, including paying bills and filing claims. If you need help, the company has live chat representatives available seven days a week.
Standout feature: If you want a little more coverage, consider the Platinum Choice Home package. It includes extra coverage for your home and valuable belongings.
Average rates: Not available.
» READ MORE: Amica homeowners insurance review
Best value
State Farm
- User-friendly website.
- Agents offer personalized service.
- Policies generally include extra coverage for your home’s structure.
- Below average for claim satisfaction in a recent J.D. Power study.
Why it’s worth a look: Of our top-rated companies in West Virginia, State Farm had some of the most affordable rates. Beyond its low prices, State Farm offers a variety of discounts to help you save even further. For example, the company says you may be able to save more than $1,000 a year by bundling home and auto insurance.
Standout feature: State Farm offers policyholders in West Virginia a free Ting device. This smart technology monitors your home's electrical system to help prevent fires.
Average rates: Below are the average annual rates for a range of dwelling coverage limits.
Dwelling coverage amount | Average annual rate |
|---|---|
$200,000 | $1,300 |
$300,000 | $1,625 |
$400,000 | $1,910 |
$500,000 | $2,160 |
$600,000 | $2,400 |
» READ MORE: State Farm homeowners insurance review
Fewest complaints
Cincinnati Insurance
- Various coverage options.
- Far fewer complaints than expected for a company of its size.
- Coverage available for higher-value homes.
- No online quotes.
- Very little information on website.
Why it’s worth a look: Cincinnati Insurance had one of the lowest rates of consumer complaints among all the companies we review. The company sells policies through independent insurance agents, who can help you find the right coverage for your home.
Standout feature: The company values environmental sustainability and works out of a LEED-certified headquarters in Fairfield, Ohio. You may be able to add a “green upgrade” endorsement to your policy. This add-on will pay to repair or rebuild your home with eco-friendly materials after a claim.
Average rates: Not available.
» READ MORE: Cincinnati homeowners insurance review
Best for military families
USAA
- Policies include standard coverage that often costs extra elsewhere.
- Fewer customer complaints to state regulators than expected for a company of its size.
- Perks for military homeowners.
- Available only to active military members, veterans, some federal employees and their families.
Why it’s worth a look: USAA’s homeowners policies come with perks for the military community. For instance, the company doesn’t charge a deductible for damage to your military uniforms or equipment while you’re deployed. USAA policies are available to active military, veterans, some federal workers and their families.
Standout feature: USAA’s Home Protector option adds a package of extra coverage. For example, it covers debris removal and bringing your home up to current building codes.
Average rates: Below are the average annual rates for a range of dwelling coverage limits.
Dwelling coverage amount | Average annual rate |
|---|---|
$200,000 | $840 |
$300,000 | $1,045 |
$400,000 | $1,245 |
$500,000 | $1,430 |
$600,000 | $1,595 |
*USAA homeowners policies are available only to active military, veterans, some federal workers and their families. | |
» READ MORE: USAA homeowners insurance review
Other top home insurance companies in West Virginia
These home insurance providers are also worth a look.
Company | NerdWallet star rating | Average annual rate |
|---|---|---|
$2,945 | ||
$3,330 | ||
$2,205 |
How much does homeowners insurance cost in West Virginia?
The average cost of homeowners insurance in West Virginia is $2,465 per year, or about $205 per month. That's about in line with the national average of $2,490 per year for the same amount of coverage.
These rates are based on a sample home insurance policy with $400,000 in dwelling coverage, $300,000 in liability coverage, a $1,000 deductible and no recent claims.
Did you know...
The dwelling coverage limit on your policy should be the amount it would take to rebuild your home, based on the cost of labor and construction in your area. It won't necessarily be the price you paid for the house or how much you could sell it for now. Use our calculator to estimate your home's rebuilding cost.
The median rebuilding cost for West Virginia homes is $386,912, according to data from First Street, a climate risk modeling firm.
Below are the average rates for policies with various dwelling coverage limits.
Dwelling coverage amount | Average annual rate |
|---|---|
$200,000 | $1,420 |
$300,000 | $1,980 |
$400,000 | $2,465 |
$500,000 | $2,800 |
$600,000 | $3,135 |
The rates above are for homeowners with good credit. In West Virginia, policyholders with poor credit pay an average of $4,750 per year — an increase of 93%.
Average cost of homeowners insurance in West Virginia by city
The amount you pay will vary depending on where you live in the state. For example, the average cost of homeowners insurance in Charleston is $2,350 per year, while Huntington homeowners pay $2,330 per year, on average.
City | Average annual rate | Average monthly rate |
|---|---|---|
Beckley | $2,410 | $201 |
Bluefield | $2,530 | $211 |
Bridgeport | $2,175 | $181 |
Buckhannon | $2,235 | $186 |
Charles Town | $2,090 | $174 |
Charleston | $2,350 | $196 |
Clarksburg | $2,135 | $178 |
Dunbar | $2,300 | $192 |
Elkins | $2,205 | $184 |
Fairmont | $2,160 | $180 |
Huntington | $2,330 | $194 |
Hurricane | $2,410 | $201 |
Martinsburg | $2,015 | $168 |
Morgantown | $2,160 | $180 |
Moundsville | $2,315 | $193 |
New Martinsville | $2,185 | $182 |
Nitro | $2,280 | $190 |
Oak Hill | $2,350 | $196 |
Parkersburg | $2,300 | $192 |
Princeton | $2,530 | $211 |
South Charleston | $2,265 | $189 |
St. Albans | $2,275 | $190 |
Vienna | $2,250 | $188 |
Weirton | $2,260 | $188 |
Wheeling | $2,195 | $183 |
The cheapest home insurance in West Virginia
Here are the insurers we found with the cheapest rates for a variety of dwelling coverage limits.
Company
NerdWallet star rating
Average annual rate
$1,265
$1,300
$1,625
$1,810
$840
*USAA homeowners policies are available only to active military, veterans, some federal workers and their families.
Company
NerdWallet star rating
Average annual rate
$1,625
$1,735
$2,250
$2,280
$1,045
*USAA homeowners policies are available only to active military, veterans, some federal workers and their families.
Company
NerdWallet star rating
Average annual rate
$1,910
$2,205
$2,635
$2,945
$1,245
*USAA homeowners policies are available only to active military, veterans, some federal workers and their families.
Company
NerdWallet star rating
Average annual rate
$2,160
$2,690
$2,895
$3,665
$1,430
*USAA homeowners policies are available only to active military, veterans, some federal workers and their families.
Company
NerdWallet star rating
Average annual rate
$2,400
$3,130
$3,200
$4,380
$1,595
*USAA homeowners policies are available only to active military, veterans, some federal workers and their families.
Common discounts
Make sure to ask your home insurance company about any discounts you may be eligible for. Here are some of the most common:
Many insurers offer savings if you buy more than one policy, such as home and car insurance. See our picks for the best home and auto insurance bundles.
Got a burglar alarm, smoke detectors or a smart device that alerts you if you have a leak? Safety and security features like these could earn you a discount.
Sign up for paperless billing or set your premiums to autopay, and you could get a discount.
Many insurance companies give discounts to customers who’ve gone a certain number of years without filing a home insurance claim.
Some insurers offer discounts to new policyholders or reward those who’ve stuck around for a while.
Teachers, doctors, members of the military and others may be eligible for discounts from certain insurers.
Learn more about common home insurance discounts.
Common West Virginia home insurance problems
Homeowners in the Mountain State may want to factor common problems into their coverage decisions when shopping for a policy.
Severe weather. West Virginia sees both winter blizzards and summer thunderstorms that can wreak havoc on homes. Homeowners insurance policies generally cover storm damage, including wind and hail. However, your policy may have a separate deductible for these claims. Some damage caused by things like snowmelt seeping inside may require flood insurance.
Landslides. Landslides are a common occurrence in West Virginia, particularly in the eastern mountain regions. Landslides aren't covered under standard homeowners insurance policies and usually need separate coverage.
Flooding. West Virginia is particularly prone to flooding, with 1,600 flood events recorded in the state between 2010 and 2021. Homeowners insurance doesn't cover flood damage, so you’ll need to buy flood insurance to cover your property. Note that there’s often a 30-day waiting period before it takes effect.
To check your flood risk, start with the federal government’s flood maps. However, these maps don’t always capture all types of flood risk. You may want to check another source such as First Street, a company that models climate hazards. Enter your address at the top of the page to see your home’s flood risk rating.
Common optional coverage
A standard homeowners policy can sometimes fall short, so it's worth looking for ways to make it more comprehensive. For example, we recommend asking if your insurer offers extended or guaranteed replacement cost coverage for your home. These add-ons give you extra dwelling coverage in case it costs more than you expect to rebuild your home after a disaster. Having this coverage can be a useful hedge against inflation.
Here are a few additional types of coverage you may want to buy.
Floods are the most common weather disaster in the U.S. and can happen anywhere, not just coastal areas. You can buy flood insurance through the federal government or from private companies. Learn whether you need flood insurance.
Homeowners policies generally won’t cover damage if a drain backs up into your home or your sump pump fails. Adding water backup coverage can help with these issues.
Homeowners policies may cover your stuff on an actual cash value or replacement cost basis. With actual cash value, the policy will pay less for older items that have lost value over time. To get enough of a claim payout to buy brand-new items, opt for replacement cost coverage.
If you have expensive jewelry, fine art or other valuables, you may need extra insurance for them. Learn more about scheduled personal property coverage.
Service line coverage pays to fix damaged water, gas, sewer or other underground lines on your property.
If your HVAC system or another major appliance fails, equipment breakdown coverage can help pay for repairs.
West Virginia FAIR Plan
The West Virginia FAIR Plan is the state's insurer of last resort. It helps residential property owners get coverage if they can't find it anywhere else. You'll need to work with a licensed agent or broker to apply for a policy. In some cases, an inspection will be required.
Unlike FAIR Plans in some other states, West Virginia does allow coverage for vacant buildings under certain conditions. Family dwellings insured through the FAIR Plan have coverage capped at $200,000 on an actual cash value basis. No liability coverage is available.
Get home insurance quotes in minutes
Answer a few questions to see custom quotes and find the right policy for you.West Virginia Offices of the Insurance Commissioner
The West Virginia Offices of the Insurance Commissioner oversees the insurance industry and seeks to educate consumers 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 property coverage by phone at 304-720-8580.
How we review home insurance
Our editorial team considers these factors when rating homeowners insurance companies:
This part of our star rating is based largely on consumer complaints to state regulators, as reported by the National Association of Insurance Commissioners. When available, we also include each company’s performance in the most recent J.D. Power Home Insurance Study. Other factors in our consumer experience score include customer-friendly features such as online claims filing and quotes.
We use AM Best and Demotech ratings to confirm each insurer’s long-term financial stability and ability to pay claims.
Companies score higher if they offer many common endorsements and include more comprehensive coverage in their standard plans. In particular, we look at features such as extended coverage for the structure of your home and replacement cost coverage for personal belongings.
We evaluate how many of the most common home insurance discounts each company offers.
See our complete homeowners insurance rating methodology.
Frequently asked questions
Homeowners insurance isn't legally required in West Virginia. However, your lender may require you to have it. For more information, read Is Homeowners Insurance Required?
There are several ways to save money on homeowners insurance in West Virginia:
Shop around to make sure you’re getting the best rate.
Choose a higher deductible. In case of any claims, you’ll pay more out of pocket, but your premiums will be lower.
Bundle your home and auto insurance for a lower overall rate. See the best home and auto insurance bundles.
Ask your insurer if you qualify for any home insurance discounts.
NerdWallet writers are subject matter authorities who use primary, trustworthy sources to inform their work, including peer-reviewed studies, government websites, academic research and interviews with industry experts. All content is fact-checked for accuracy, timeliness and relevance. You can learn more about NerdWallet's high standards for journalism by reading our editorial guidelines.
- 1.West Virginia Risk Explorer. Landslide Tools. Accessed Mar 18, 2026.
- 2.The Research Repository @ WVU. In Deep Water: Understanding West Virginia’s Flooding Crisis. Accessed Mar 18, 2026.
Star rating methodology
NerdWallet’s homeowners insurance ratings reward companies for customer-first features and practices. Ratings are based on weighted averages of scores in several categories, including financial strength, consumer complaints, coverage, discounts, claims process and website functionality. These ratings are a guide, but we encourage you to shop around and compare several insurance quotes to find the best rate for you. NerdWallet does not receive compensation for any reviews or star ratings.
Here’s how we weighted each category to come up with our list of the best home insurance companies:
Consumer experience (40%).
Financial strength (30%).
Coverage (25%).
Discounts (5%).
Read our full home insurance ratings methodology for more details.
Homeowners insurance rates methodology
NerdWallet calculated median rates for 40-year-old homeowners from various insurance companies in ZIP codes across all 50 states and Washington, D.C. All rates are rounded to the nearest $5.
Sample homeowners were nonsmokers with good credit living in a single-family, two-story home built in 1984. They had a $1,000 deductible and the following coverage limits:
$400,000 in dwelling coverage.
$40,000 in other structures coverage.
$200,000 in personal property coverage.
$80,000 in loss of use coverage.
$300,000 in liability coverage.
$1,000 in medical payments coverage.
We made minor changes to the sample policy in cases where rates for the above coverage limits or deductibles weren’t available.
In states where credit is a rating factor, we changed the credit tier from “good” to “poor,” as reported to the insurer, to see rates for homeowners with poor credit.
In select states, we added a single wind damage claim to see rates for homeowners with a claim on their record.
These are sample rates generated through Quadrant Information Services. Your own rates will be different.
Complaint methodology
NerdWallet examined complaints received by state insurance regulators and reported to the National Association of Insurance Commissioners in 2022-2024. To assess how insurers compare with one another, the NAIC calculates a complaint index each year for each subsidiary, measuring its share of total complaints relative to its size, or share of total premiums in the industry. To evaluate a company’s complaint history, NerdWallet calculated a similar index for each insurer, weighted by market shares of each subsidiary, over the three-year period.
NerdWallet conducts its data analysis and reaches conclusions independently and without the endorsement of the NAIC. Ratios are determined separately for auto, home (including renters and condo) and life insurance.
Rebuilding cost methodology
The median home rebuilding cost referenced above is based on 2025 replacement cost data from First Street, a climate risk modeling firm. Actual replacement costs may vary based on factors like location, square footage, construction materials, the age of your home and local labor costs.
