Finding the best homeowners insurance in West Virginia can seem challenging. However, the agents at HomeownersInsurance.com have made it easy. Just complete one quick quote form to get comparative rates on the top home insurance coverage in West Virginia. Our team of licensed agents will help you choose the best policy at the lowest price to make sure your home is protected while keeping it affordable.
In May 2013, average West Virginia homeowners insurance rates were around $959. Average rates have decreased since April 2013, when WV homeowners were paying around $986 for standard home insurance coverage.
It's important to review your policy regularly to make sure you are taking advantage of all available discounts. A HomeownersInsurance.com agent can talk to you about the discounts available and see if you are missing out on important savings. While reviewing your discounts, we will also make sure you are adequately covered.
|Home 1||Home 2||Home 3||Home 4||Home 5|
|Premium with Auto Discount||$1,741||$1,520†||$991||$740||$606†|
|Discounts|| || || || || |
|Primary Heat Source||Central Electric||Central Gas|
Dwelling: A standard West Virginia homeowners insurance policy should include enough dwelling coverage to pay for the replacement or repair of your home when and if it is damaged in a covered peril
Other Structures: Other structures such as detached garages or sheds would also be covered under a standard West Virginia home insurance policy
Contents/Personal Property: A West Virginia home insurance policy will also typically provide coverage for the contents of your home including furniture, electronics, clothing and other personal belongings.
Loss of Use: If your West Virginia home is damaged in a covered peril, ‘Loss of Use’ coverage pays for alternative accommodations and living expenses while you are unable to live in your home.
Personal Liability Protection: In West Virginia, your standard homeowners insurance policy will typically provide financial protection in the event of a lawsuit where you have caused damage or bodily harm to another person or their personal property.
Medical Payments: Medical Payments coverage, or West Virginia MedPay, offers reimbursement for medical bills if someone other than you or a family member is injured on your property and a lawsuit is not involved.
Click on your West Virginia county below to learn more about homeowners insurance in your area:
For additional information about specific West Virginia homeowners insurance laws and regulations, visit the West Virginia Insurance Commission website.