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The Best Home Insurance in West Virginia for 2025

Chubb and USAA are among the best home insurance companies in West Virginia.
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Oct 17, 2025
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Key takeaways

  • Chubb, USAA and Amica received some of the highest ratings in our analysis of home insurers in West Virginia.

  • State Farm is the best cheap insurer in West Virginia, with a star rating of 4.7 and an average annual premium of $1,625.

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.

Company

NerdWallet star rating

Average annual rate

Chubb

Not available

Amica

Not available

Cincinnati Insurance

Not available

State Farm

$1,625

Erie

$2,440

Allstate

$2,370

USAA*

$1,200

*USAA homeowners policies are available only to active military, veterans and their families.

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The best home insurance companies in West Virginia

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 Home Insurance

Chubb

Perks and comprehensive coverage for high-value homes.
Coverage More than average
Discounts Great set of discounts
NAIC complaints Far fewer than expected

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.

Amica Home Insurance

Amica

Well-established insurer known for great customer service.
Coverage About average
Discounts Great set of discounts
NAIC complaints Far fewer than expected

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.

Cincinnati Home Insurance

Cincinnati Insurance

Sells homeowners policies through local independent agents across the U.S.
Coverage More than average
Discounts Great set of discounts
NAIC complaints Far fewer than expected

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.

State Farm Homeowners Insurance

State Farm

Well-established insurer with local agents and a long list of coverage options.
Coverage More than average
Discounts Great set of discounts
NAIC complaints Close to expected

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.

Erie Home Insurance

Erie

Best for homeowners in parts of the Mid-Atlantic, Southeast or Midwest who want strong coverage and are willing to work with an agent.
Coverage More than average
Discounts Very few discounts
NAIC complaints Fewer than expected

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.

Allstate Homeowners Insurance

Allstate

Widely available across the U.S. with lots of discounts and coverage options.
Coverage More than average
Discounts Great set of discounts
NAIC complaints Close to expected

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.

USAA Home Insurance

USAA

Offers perks and generous coverage for the military community.
Coverage More than average
Discounts Average set of discounts
NAIC complaints Fewer than expected

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.

How much does homeowners insurance cost in West Virginia?

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.

Average cost of homeowners insurance in West Virginia by city

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.

City

Average annual rate

Average monthly rate

Barboursville

$2,215

$185

Beckley

$2,150

$179

Bluefield

$2,175

$181

Bridgeport

$1,790

$149

Buckhannon

$1,855

$155

Charles Town

$1,640

$137

Charleston

$2,040

$170

Clarksburg

$1,745

$145

Elkins

$1,795

$150

Fairmont

$1,900

$158

Harpers Ferry

$1,625

$135

Hedgesville

$1,625

$135

Huntington

$2,175

$181

Hurricane

$1,880

$157

Inwood

$1,625

$135

Keyser

$1,780

$148

Martinsburg

$1,625

$135

Morgantown

$1,750

$146

Moundsville

$1,950

$163

Parkersburg

$1,930

$161

Princeton

$2,195

$183

South Charleston

$2,085

$174

St. Albans

$2,115

$176

Weirton

$1,900

$158

Wheeling

$1,875

$156

The cheapest home insurance in West Virginia

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

Company

NerdWallet star rating

Average annual rate

State Farm

$1,625

Nationwide

$1,700

USAA*

$1,200

*USAA homeowners policies are available only to active military, veterans and their families.

Common risks for West Virginia homeowners

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.

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.

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:

  • More than 270 million homeowners insurance rates.

  • More than 100 insurance companies.

  • Nearly 200 homeowner profiles.

View 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 purchase 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.


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 the 25 largest cities in each U.S. state by population. 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:

  • $300,000 in dwelling coverage.

  • $30,000 in other structures coverage.

  • $150,000 in personal property coverage.

  • $60,000 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.

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.