Best Homeowners Insurance in West Virginia for 2026
State Farm is best for most WV homeowners, but Nationwide may have more discounts
Advertising Disclosures
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- The best homeowners insurance in West Virginia is State Farm, with competitive premiums and a wide range of coverage options.
- The average cost of homeowners insurance for a $400,000 home in West Virginia came in at $2,117.
- West Virginia homeowners should pay close attention to weather-related risks, especially flooding, severe storms and winter weather that can lead to snow and ice damage.
Best homeowners insurance in West Virginia
Choosing the best homeowners insurance in West Virginia isn’t just about finding the provider with the lowest premiums. You also want a policy that provides the right level of protection for your home with the coverages that matter most to you.
We compared insurers based on a variety of factors including their average rates, coverage options, discounts and customer satisfaction.
State Farm earned the highest marks as best home insurance for most West Virginia homeowners, while USAA is best for military families. Nationwide has the best discounts, while Erie stands out for customer service.
Best overall: State Farm
Average annual rate: $1,276
Why we chose it: State Farm earned our top honor because it has the lowest average premiums in the state and yet still offers a wide range of coverage options that should satisfy most homeowners in West Virginia. The company also gets an A+ financial strength rating from AM Best.
Who it’s best for: State Farm is best for homeowners who want affordable coverage, flexible policy options and the support of a financially strong insurer.
PROS
- Lowest average premiums among the companies we reviewed
- Strong selection of optional coverage endorsements
- A+ financial strength rating from AM Best
CONS
- Customer complaint rate is slightly higher than the industry average
- Fewer available discounts than other insurers
Best for military families: USAA
Average annual rate: $1,359
Why we chose it: USAA has very affordable average premiums, a low complaint rating from the National Association of Insurance Commissioners (NAIC)
Who it’s best for: USAA is best for eligible military members, veterans and their families who want affordable coverage backed by excellent customer service.
PROS
- Lower-than-average homeowners insurance premiums
- Gets about half as many customer complaints as average
- Exclusive benefits and discounts for military members
CONS
- Coverage is mainly only available to current military members, veterans, and spouses or children of USAA members
- Limited discounts compared to other insurers
- Must join USAA to get insurance
Best for discounts: Nationwide
Average annual rate: $2,825
Why we chose it: While Nationwide’s average homeowners insurance rates are higher than State Farm and USAA, the company offers a wide range of discounts that can help lower your premium and make it more competitive. Homeowners may qualify for savings by having a new home, installing a new roof or adding protective devices. Nationwide also offers discounts for bundling policies and making home renovations, among other options.
Who it’s best for: Nationwide is best for homeowners who want multiple ways to save on their insurance premium through discounts and policy bundling.
PROS
- Wide range of available discounts
- Excellent rating for financial strength with AM Best (A)
CONS
- Lower customer satisfaction rating compared to some top-rated insurers
- May be more expensive without discounts applied
Best for customer service: Erie
Average annual rate: $2,819
Why we chose it: Erie Insurance gets half as many complaints as other major companies its size; plus, it scored above the industry average in J.D. Power’s 2026 U.S. Property Claims Satisfaction Study. While its average premiums are higher than some competitors, Erie may be worth considering for homeowners who value a smooth claims process and responsive service.
Who it’s best for: Erie is best for West Virginia homeowners who are willing to pay more for great customer service and the smooth handling of claims. Erie also has an excellent financial strength rating from AM Best.
PROS
- High customer satisfaction ratings
- Low complaint rating compared to other major insurers
- Strong claims experience
CONS
- Higher-than-average premiums
- Can find cheaper rates and similar customer service with a smaller company like Westfield
Compare home insurance rates and ratings in West Virginia
| Company | Average annual rate* | LendingTree rating | Complaint rating* | |
|---|---|---|---|---|
 | State Farm | $1,276 | 4.5/5 | 1.4 |
| USAA** | $1,359 | 4/5 | 0.5 |
 | Allstate | $1,764 | 3/5 | 1.2 |
 | Westfield | $2,189 | 4.5/5 | 0.5 |
 | Progressive | $2,589 | 4/5 | 1.8 |
| Erie | $2,819 | 4.5/5 | 0.5 |
| Nationwide | $2,825 | 3/5 | 1.2 |
**USAA home insurance is only available to current and former military and their families.
Homeowners insurance rates in West Virginia can vary significantly between insurers, but comparing multiple options can help you find better pricing and coverage.
LendingTree analyzed home insurance quotes from every West Virginia ZIP code to identify the best options for you.
Our team evaluated pricing, customer experience, financial reliability and coverage features to determine the top home insurance companies in your state.
See our full methodology.
How much is homeowners insurance in West Virginia?
The average cost of home insurance in West Virginia is $2,117 for $400,000 in dwelling coverage.
The average cost of home insurance in West Virginia is $2,117 per year, or about $176 per month. Rates in the state can vary based on factors like your home’s location, age, coverage limits and deductible amount.
West Virginia homeowners may also pay higher premiums if they live in areas at risk for flooding, severe storms or winter weather damage from snow and ice. However, average homeowners insurance in West Virginia is still close to 20% cheaper than the national average of $2,628 per year.
Comparing quotes from multiple insurers can help homeowners find the best coverage at a competitive price.
Average home insurance rates by dwelling coverage amount
Homeowners insurance rates can vary based on the amount of dwelling coverage you require. The higher your coverage limit, the more expensive your monthly rate, or premium, will likely be.
| Company | $300,000 coverage | $400,000 coverage | $550,000 coverage | $750,000 coverage |
|---|---|---|---|---|
| State Farm | $1,094 | $1,276 | $1,516 | $1,799 |
| USAA* | $1,131 | $1,359 | $1,657 | $2,059 |
| Nationwide | $2,177 | $2,825 | $3,849 | $5,306 |
| Erie | $2,222 | $2,819 | $3,604 | $4,670 |
| State average | $1,735 | $2,117 | $2,674 | $3,440 |
Home insurance rates in West Virginia by city
Homeowners insurance rates in West Virginia differ depending on where you live. The least expensive cities for coverage include Osage ($1,766 per year), Westover ($1,771) and Brookhaven ($1,773), with average premiums below the statewide average of $2,117. This is likely due in part to the fact that they typically don’t face severe weather risks and have relatively low average property values.
The most expensive locations for homeowners insurance in West Virginia are Breeden ($2,965 per year), Crum ($2,952) and Dunlow ($2,910). All three are former mining areas near the Kentucky border that, thanks to climate change and their history of stripmining, are now susceptible to serious flooding.
| City | Average rate |
|---|---|
| Accoville | $2,638 |
| Adrian | $2,031 |
| Advent | $2,271 |
| Albright | $2,056 |
| Alderson | $1,915 |
| Alkol | $2,393 |
| Allen Junction | $2,400 |
| Alloy | $2,258 |
| Alma | $2,125 |
| Alum Bridge | $1,988 |
| Alum Creek | $2,180 |
| Amherstdale | $2,624 |
| Amigo | $2,478 |
| Amma | $2,415 |
| Anawalt | $2,697 |
| Anmoore | $1,926 |
| Annamoriah | $2,237 |
| Ansted | $2,166 |
| Apple Grove | $2,535 |
| Arbovale | $1,986 |
| Arnett | $2,366 |
| Arnoldsburg | $2,345 |
| Arthurdale | $1,975 |
| Artie | $2,251 |
| Asbury | $1,939 |
| Ashford | $2,284 |
| Ashton | $2,605 |
| Athens | $2,318 |
| Auburn | $2,171 |
| Augusta | $2,122 |
| Aurora | $2,143 |
| Avondale | $2,736 |
| Baisden | $2,699 |
| Baker | $2,070 |
| Bakerton | $1,935 |
| Ballard | $2,039 |
| Ballengee | $2,158 |
| Bancroft | $2,136 |
| Bandytown | $2,349 |
| Barboursville | $2,211 |
| Barrackville | $1,895 |
| Bartley | $2,730 |
| Bartow | $2,022 |
| Baxter | $1,974 |
| Bayard | $2,050 |
| Beaver | $2,111 |
| Beckley | $2,047 |
| Beech Bottom | $2,044 |
| Beeson | $2,377 |
| Belington | $2,056 |
| Belle | $2,053 |
| Belleville | $2,158 |
| Belmont | $2,041 |
| Belva | $1,984 |
| Benwood | $1,938 |
| Berea | $2,178 |
| Bergoo | $2,227 |
| Berkeley Springs | $1,992 |
| Berwind | $2,720 |
| Bethany | $2,050 |
| Bethlehem | $1,945 |
| Bickmore | $2,322 |
| Big Bend | $2,337 |
| Big Chimney | $2,140 |
| Big Creek | $2,587 |
| Big Otter | $2,446 |
| Big Run | $1,999 |
| Big Sandy | $2,679 |
| Big Springs | $2,258 |
| Bim | $2,370 |
| Birch River | $2,132 |
| Blacksville | $1,881 |
| Blair | $2,536 |
| Blennerhassett | $2,036 |
| Bloomingrose | $2,147 |
| Blount | $2,166 |
| Blue Creek | $2,161 |
| Bluefield | $2,300 |
| Bluewell | $2,318 |
| Boaz | $1,999 |
| Bob White | $2,419 |
| Bolt | $2,285 |
| Bomont | $2,523 |
| Boomer | $2,327 |
| Borderland | $2,758 |
| Bowden | $2,102 |
| Bradley | $2,145 |
| Bradshaw | $2,728 |
| Bramwell | $2,409 |
| Branchland | $2,409 |
| Brandywine | $1,979 |
| Breeden | $2,965 |
| Brenton | $2,514 |
| Bretz | $2,094 |
| Bridgeport | $1,819 |
| Brohard | $2,307 |
| Brookhaven | $1,773 |
| Brownsville | $2,091 |
| Bruceton Mills | $1,966 |
| Bruno | $2,612 |
| Buckeye | $2,092 |
| Buckhannon | $1,918 |
| Bud | $2,334 |
| Buffalo | $2,187 |
| Bunker Hill | $1,864 |
| Burlington | $2,009 |
| Burnsville | $2,166 |
| Burnt House | $2,244 |
| Burnwell | $2,126 |
| Burton | $2,070 |
| Cabin Creek | $2,097 |
| Cabins | $2,053 |
| Cairo | $2,207 |
| Caldwell | $1,887 |
| Calvin | $2,073 |
| Camden | $1,982 |
| Camden-on-Gauley | $2,194 |
| Cameron | $2,022 |
| Camp Creek | $2,440 |
| Canebrake | $2,720 |
| Cannelton | $2,136 |
| Canvas | $2,073 |
| Capon Bridge | $2,086 |
| Capon Springs | $2,047 |
| Carolina | $1,856 |
| Carpendale | $1,878 |
| Cass | $2,118 |
| Cassville | $1,783 |
| Cedar Grove | $2,102 |
| Cedarville | $2,186 |
| Center Point | $1,998 |
| Ceredo | $2,656 |
| Chapmanville | $2,588 |
| Charles Town | $1,873 |
| Charleston | $2,050 |
| Charlton Heights | $2,120 |
| Charmco | $2,003 |
| Chattaroy | $2,758 |
| Chauncey | $2,705 |
| Cheat Lake | $1,786 |
| Chesapeake | $2,130 |
| Chester | $2,024 |
| Chloe | $2,296 |
| Circleville | $1,958 |
| Clarksburg | $1,792 |
| Clay | $2,263 |
| Clear Creek | $2,241 |
| Clear Fork | $2,539 |
| Clendenin | $2,267 |
| Cleveland | $2,097 |
| Clothier | $2,680 |
| Coal City | $2,160 |
| Coal Mountain | $2,600 |
| Coaldale | $2,330 |
| Coalton | $2,123 |
| Coburn | $2,070 |
| Colcord | $2,233 |
| Colfax | $1,914 |
| Colliers | $1,989 |
| Comfort | $2,207 |
| Cool Ridge | $2,180 |
| Copen | $2,221 |
| Cora | $2,757 |
| Corinne | $2,311 |
| Costa | $2,225 |
| Cottageville | $2,324 |
| Cove Gap | $2,718 |
| Covel | $2,331 |
| Cowen | $2,261 |
| Coxs Mills | $2,127 |
| Crab Orchard | $2,089 |
| Craigsville | $2,082 |
| Crawford | $2,194 |
| Crawley | $1,981 |
| Creston | $2,237 |
| Crichton | $2,013 |
| Cross Lanes | $2,133 |
| Crum | $2,952 |
| Cucumber | $2,731 |
| Culloden | $2,184 |
| Cyclone | $2,576 |
| Dailey | $2,044 |
| Dallas | $2,127 |
| Danese | $2,290 |
| Daniels | $2,117 |
| Danville | $2,400 |
| Davin | $2,625 |
| Davis | $2,019 |
| Davisville | $2,071 |
| Davy | $2,743 |
| Dawes | $2,257 |
| Deep Water | $2,165 |
| Dehue | $2,597 |
| Delbarton | $2,744 |
| Dellslow | $1,864 |
| Delray | $2,116 |
| Despard | $1,797 |
| Diana | $2,337 |
| Dille | $2,231 |
| Dingess | $2,873 |
| Dixie | $2,050 |
| Dorothy | $2,254 |
| Dothan | $2,185 |
| Drennen | $2,070 |
| Dry Creek | $2,369 |
| Dry Fork | $2,037 |
| Drybranch | $2,199 |
| Duck | $2,296 |
| Dunbar | $2,135 |
| Duncan | $2,264 |
| Dunlow | $2,910 |
| Dunmore | $2,066 |
| Durbin | $2,055 |
| Earling | $2,588 |
| East Bank | $2,055 |
| East Lynn | $2,870 |
| Eccles | $2,132 |
| Eckman | $2,694 |
| Edgarton | $2,814 |
| Edmond | $2,123 |
| Eglon | $2,127 |
| Elbert | $2,692 |
| Eleanor | $2,193 |
| Elizabeth | $2,213 |
| Elk Garden | $2,075 |
| Elkhorn | $2,653 |
| Elkins | $2,008 |
| Elkview | $2,160 |
| Ellamore | $2,038 |
| Ellenboro | $2,184 |
| Emmett | $2,738 |
| Enterprise | $1,889 |
| Erbacon | $2,192 |
| Eskdale | $2,184 |
| Ethel | $2,490 |
| Eureka | $2,041 |
| Evans | $2,303 |
| Exchange | $2,202 |
| Fairdale | $2,373 |
| Fairlea | $1,839 |
| Fairmont | $1,781 |
| Fairview | $1,957 |
| Falling Rock | $2,147 |
| Falling Waters | $1,807 |
| Falls Mill | $2,176 |
| Fanrock | $2,548 |
| Farmington | $1,901 |
| Fayetteville | $2,075 |
| Fenwick | $2,098 |
| Filbert | $2,692 |
| Fisher | $2,086 |
| Flat Top | $2,418 |
| Flatwoods | $2,136 |
| Flemington | $1,961 |
| Floe | $2,296 |
| Follansbee | $1,981 |
| Folsom | $2,146 |
| Forest Hill | $2,117 |
| Fort Ashby | $1,898 |
| Fort Gay | $2,666 |
| Foster | $2,311 |
| Four States | $1,877 |
| Frametown | $2,271 |
| Frankford | $1,950 |
| Franklin | $1,895 |
| Fraziers Bottom | $2,176 |
| Freeman | $2,330 |
| French Creek | $2,009 |
| Frenchton | $1,997 |
| Friendly | $2,120 |
| Gallagher | $2,126 |
| Gallipolis Ferry | $2,546 |
| Galloway | $1,980 |
| Gandeeville | $2,463 |
| Gap Mills | $2,021 |
| Gary | $2,767 |
| Gassaway | $2,178 |
| Gauley Bridge | $2,091 |
| Gauley Mills | $2,194 |
| Gay | $2,373 |
| Genoa | $2,750 |
| Gerrardstown | $1,879 |
| Ghent | $2,184 |
| Gilbert | $2,783 |
| Gilboa | $2,138 |
| Given | $2,257 |
| Glady | $2,004 |
| Glasgow | $2,167 |
| Glen | $2,352 |
| Glen Dale | $1,946 |
| Glen Daniel | $2,329 |
| Glen Easton | $2,049 |
| Glen Ferris | $2,195 |
| Glen Fork | $2,591 |
| Glen Jean | $2,225 |
| Glen Rogers | $2,410 |
| Glen White | $2,162 |
| Glengary | $1,826 |
| Glenville | $2,068 |
| Glenwood | $2,299 |
| Gordon | $2,280 |
| Gormania | $2,027 |
| Grafton | $1,909 |
| Grant Town | $1,880 |
| Grantsville | $2,320 |
| Granville | $1,840 |
| Grassy Meadows | $1,979 |
| Great Cacapon | $2,024 |
| Green Bank | $2,033 |
| Green Spring | $2,110 |
| Green Sulphur Springs | $2,182 |
| Greenville | $2,133 |
| Griffithsville | $2,385 |
| Gypsy | $2,014 |
| Hacker Valley | $2,194 |
| Halltown | $1,996 |
| Hambleton | $2,097 |
| Hamlin | $2,357 |
| Handley | $2,131 |
| Hanover | $2,576 |
| Hansford | $2,083 |
| Harman | $2,111 |
| Harper | $2,197 |
| Harrisville | $2,301 |
| Hartford | $2,306 |
| Hartford City | $2,306 |
| Harts | $2,543 |
| Haywood | $2,018 |
| Heaters | $2,188 |
| Hedgesville | $1,886 |
| Helen | $2,176 |
| Helvetia | $2,097 |
| Henderson | $2,465 |
| Hendricks | $2,109 |
| Henlawson | $2,722 |
| Hensley | $2,692 |
| Hepzibah | $2,012 |
| Herndon | $2,462 |
| Hernshaw | $2,022 |
| Hewett | $2,385 |
| Hiawatha | $2,313 |
| Hico | $2,177 |
| High View | $2,069 |
| Hillsboro | $2,025 |
| Hilltop | $2,130 |
| Hinton | $2,124 |
| Holden | $2,686 |
| Hometown | $2,221 |
| Hooverson Heights | $1,981 |
| Horner | $2,115 |
| Hugheston | $2,198 |
| Hundred | $2,146 |
| Huntington | $2,287 |
| Hurricane | $2,064 |
| Iaeger | $2,716 |
| Idamay | $1,915 |
| Ikes Fork | $2,556 |
| Independence | $1,996 |
| Indian Mills | $2,117 |
| Indore | $2,318 |
| Institute | $2,246 |
| Inwood | $1,836 |
| Ireland | $2,071 |
| Isaban | $2,622 |
| Itmann | $2,547 |
| Ivydale | $2,446 |
| Jacksonburg | $2,091 |
| Jane Lew | $1,882 |
| Jeffrey | $2,446 |
| Jenkinjones | $2,727 |
| Jesse | $2,462 |
| Job | $2,129 |
| Jolo | $2,651 |
| Josephine | $2,220 |
| Julian | $2,369 |
| Jumping Branch | $2,213 |
| Junior | $2,107 |
| Justice | $2,718 |
| Kanawha Falls | $2,141 |
| Kanawha Head | $2,019 |
| Kearneysville | $1,911 |
| Kegley | $2,228 |
| Kellysville | $2,259 |
| Kenna | $2,273 |
| Kenova | $2,595 |
| Kerens | $2,048 |
| Kermit | $2,904 |
| Keslers Cross Lanes | $2,061 |
| Keyser | $1,902 |
| Kiahsville | $2,718 |
| Kimball | $2,829 |
| Kimberly | $2,182 |
| Kincaid | $2,238 |
| Kingmont | $1,931 |
| Kingwood | $1,974 |
| Kirby | $2,100 |
| Kistler | $2,693 |
| Kopperston | $2,560 |
| Kyle | $2,807 |
| Lahmansville | $2,036 |
| Lake | $2,778 |
| Lanark | $2,128 |
| Lansing | $2,062 |
| Lashmeet | $2,409 |
| Lavalette | $2,506 |
| Layland | $2,142 |
| Le Roy | $2,264 |
| Left Hand | $2,423 |
| Lehew | $2,109 |
| Leivasy | $2,083 |
| Lenore | $2,865 |
| Leon | $2,459 |
| Lerona | $2,309 |
| Lesage | $2,392 |
| Leslie | $1,992 |
| Lester | $2,249 |
| Letart | $2,357 |
| Levels | $2,293 |
| Lewisburg | $1,826 |
| Liberty | $2,187 |
| Lindside | $2,090 |
| Linn | $2,204 |
| Little Birch | $2,227 |
| Littleton | $2,089 |
| Liverpool | $2,264 |
| Livingston | $2,126 |
| Lizemores | $2,254 |
| Lochgelly | $2,104 |
| Logan | $2,687 |
| London | $2,176 |
| Lookout | $2,254 |
| Looneyville | $2,398 |
| Lorado | $2,635 |
| Lorentz | $2,008 |
| Lost City | $2,031 |
| Lost Creek | $1,950 |
| Lost River | $2,031 |
| Lubeck | $2,077 |
| Lumberport | $1,845 |
| Lundale | $2,635 |
| Lyburn | $2,588 |
| Lynco | $2,520 |
| Maben | $2,422 |
| Mabie | $2,103 |
| Mabscott | $2,153 |
| MacArthur | $2,064 |
| Macfarlan | $2,326 |
| Madison | $2,364 |
| Mahan | $2,126 |
| Maidsville | $1,888 |
| Mallory | $2,678 |
| Mammoth | $2,108 |
| Man | $2,733 |
| Mannington | $1,966 |
| Marfrance | $2,013 |
| Marianna | $2,435 |
| Marlinton | $2,097 |
| Marmet | $2,116 |
| Martinsburg | $1,861 |
| Mason | $2,377 |
| Masontown | $1,941 |
| Matewan | $2,878 |
| Matheny | $2,510 |
| Mathias | $1,990 |
| Matoaka | $2,440 |
| Maxwelton | $1,929 |
| Maybeury | $2,587 |
| Maysel | $2,361 |
| Maysville | $1,978 |
| Mc Graws | $2,403 |
| McMechen | $1,951 |
| Meadow Bluff | $1,969 |
| Meadow Bridge | $2,180 |
| Meadow Creek | $2,226 |
| Meadowbrook | $1,908 |
| Metz | $2,156 |
| Miami | $2,230 |
| Middlebourne | $2,050 |
| Midkiff | $2,471 |
| Midway | $2,202 |
| Milam | $1,975 |
| Mill Creek | $2,124 |
| Millstone | $2,287 |
| Millville | $1,876 |
| Millwood | $2,247 |
| Milton | $2,208 |
| Minden | $2,131 |
| Mineral Wells | $2,039 |
| Moatsville | $2,083 |
| Mohawk | $2,722 |
| Monongah | $1,794 |
| Montana Mines | $1,891 |
| Montcalm | $2,306 |
| Monterville | $2,167 |
| Montgomery | $2,153 |
| Montrose | $2,099 |
| Moorefield | $1,998 |
| Morgantown | $1,781 |
| Moundsville | $1,976 |
| Mount Alto | $2,371 |
| Mount Carbon | $2,213 |
| Mount Clare | $1,929 |
| Mount Gay | $2,657 |
| Mount Gay-Shamrock | $2,699 |
| Mount Hope | $2,181 |
| Mount Lookout | $2,095 |
| Mount Nebo | $2,043 |
| Mount Storm | $1,931 |
| Mount Zion | $2,293 |
| Mullens | $2,526 |
| Munday | $2,254 |
| Myra | $2,330 |
| Nallen | $2,253 |
| Naoma | $2,395 |
| Napier | $2,176 |
| Naugatuck | $2,815 |
| Nebo | $2,329 |
| Nellis | $2,292 |
| Nemours | $2,335 |
| Nettie | $2,147 |
| New Creek | $2,031 |
| New Cumberland | $1,990 |
| New Haven | $2,441 |
| New Manchester | $2,008 |
| New Martinsville | $1,898 |
| New Milton | $2,140 |
| New Richmond | $2,457 |
| Newburg | $2,139 |
| Newell | $2,031 |
| Newhall | $2,643 |
| Newton | $2,463 |
| Newtown | $2,781 |
| Nicut | $2,321 |
| Nimitz | $2,252 |
| Nitro | $2,058 |
| Nobe | $2,258 |
| Normantown | $2,168 |
| North Hills | $1,959 |
| North Matewan | $2,787 |
| North Spring | $2,599 |
| Northfork | $2,748 |
| Norton | $2,071 |
| Nutter Fort | $1,803 |
| Oak Hill | $2,079 |
| Oakvale | $2,303 |
| Oceana | $2,735 |
| Odd | $2,310 |
| Old Fields | $2,142 |
| Omar | $2,823 |
| Ona | $2,251 |
| Onego | $2,025 |
| Orgas | $2,246 |
| Orlando | $2,084 |
| Orma | $2,315 |
| Osage | $1,766 |
| Ottawa | $2,360 |
| Paden City | $1,892 |
| Page | $2,230 |
| Pageton | $2,725 |
| Palestine | $2,243 |
| Panther | $2,683 |
| Parkersburg | $1,981 |
| Parsons | $2,119 |
| Paw Paw | $2,018 |
| Pax | $2,231 |
| Paynesville | $2,654 |
| Pea Ridge | $2,174 |
| Peach Creek | $2,673 |
| Pecks Mill | $2,604 |
| Pence Springs | $2,106 |
| Pennsboro | $2,235 |
| Pentress | $1,847 |
| Perkins | $2,321 |
| Petersburg | $1,917 |
| Peterstown | $2,048 |
| Petroleum | $2,357 |
| Peytona | $2,243 |
| Philippi | $2,023 |
| Pickens | $2,078 |
| Piedmont | $2,066 |
| Pinch | $2,157 |
| Pine Grove | $2,110 |
| Pineville | $2,478 |
| Piney View | $2,142 |
| Pipestem | $2,223 |
| Pleasant Valley | $1,792 |
| Poca | $2,089 |
| Point Pleasant | $2,362 |
| Points | $2,198 |
| Pond Gap | $2,184 |
| Pool | $2,084 |
| Porters Falls | $2,133 |
| Powellton | $2,175 |
| Pratt | $2,205 |
| Premier | $2,721 |
| Prichard | $2,593 |
| Prince | $2,127 |
| Princeton | $2,276 |
| Princewick | $2,228 |
| Procious | $2,473 |
| Proctor | $2,025 |
| Prosperity | $2,150 |
| Pullman | $2,205 |
| Purgitsville | $2,132 |
| Pursglove | $1,865 |
| Quinwood | $2,013 |
| Rachel | $1,930 |
| Racine | $2,304 |
| Ragland | $2,822 |
| Rainelle | $2,012 |
| Raleigh | $2,182 |
| Ranger | $2,540 |
| Ranson | $1,822 |
| Ravencliff | $2,512 |
| Ravenswood | $2,189 |
| Rawl | $2,748 |
| Raysal | $2,689 |
| Reader | $2,083 |
| Red Creek | $2,159 |
| Red House | $2,104 |
| Red Jacket | $2,864 |
| Reedsville | $2,020 |
| Reedy | $2,414 |
| Renick | $1,968 |
| Reynoldsville | $1,976 |
| Rhodell | $2,312 |
| Richwood | $2,105 |
| Ridgeley | $1,868 |
| Ridgeview | $2,383 |
| Ridgeway | $1,899 |
| Rio | $2,100 |
| Ripley | $2,268 |
| Rippon | $1,918 |
| Riverton | $1,986 |
| Rivesville | $1,910 |
| Robinette | $2,599 |
| Robson | $2,228 |
| Rock | $2,362 |
| Rock Castle | $2,257 |
| Rock Cave | $2,106 |
| Rock Creek | $2,348 |
| Rock View | $2,418 |
| Rockport | $2,157 |
| Roderfield | $2,744 |
| Romney | $2,034 |
| Ronceverte | $1,853 |
| Rosedale | $2,321 |
| Rosemont | $2,002 |
| Rossmore | $2,694 |
| Rowlesburg | $2,239 |
| Rupert | $1,977 |
| Russelville | $2,253 |
| Sabine | $2,308 |
| Salem | $1,953 |
| Salt Rock | $2,222 |
| Sand Fork | $2,117 |
| Sand Ridge | $2,345 |
| Sandstone | $2,157 |
| Sandyville | $2,238 |
| Sarah Ann | $2,716 |
| Saulsville | $2,403 |
| Saxon | $2,318 |
| Scarbro | $2,140 |
| Scott Depot | $2,012 |
| Second Creek | $2,047 |
| Selbyville | $2,137 |
| Seneca Rocks | $1,931 |
| Seth | $2,366 |
| Shady Spring | $2,112 |
| Shanks | $2,108 |
| Shannondale | $1,896 |
| Sharples | $2,600 |
| Shenandoah Junction | $1,920 |
| Shepherdstown | $1,815 |
| Shinnston | $1,886 |
| Shirley | $2,024 |
| Shoals | $2,539 |
| Shock | $2,205 |
| Short Creek | $1,981 |
| Simon | $2,615 |
| Simpson | $2,035 |
| Sinks Grove | $2,061 |
| Sissonville | $2,130 |
| Sistersville | $1,949 |
| Skelton | $2,136 |
| Slab Fork | $2,195 |
| Slanesville | $2,159 |
| Slatyfork | $2,065 |
| Smithburg | $2,077 |
| Smithers | $2,192 |
| Smithfield | $2,061 |
| Smithville | $2,244 |
| Smoot | $1,969 |
| Snowshoe | $2,045 |
| Sod | $2,322 |
| Sophia | $2,260 |
| South Charleston | $2,052 |
| Southside | $2,442 |
| Spanishburg | $2,285 |
| Spelter | $2,009 |
| Spencer | $2,392 |
| Spring Dale | $2,199 |
| Spurlockville | $2,412 |
| Squire | $2,702 |
| St. Albans | $2,098 |
| St. Marys | $2,102 |
| Stanaford | $2,048 |
| Standard | $2,126 |
| Star City | $1,785 |
| Stephenson | $2,484 |
| Stollings | $2,718 |
| Stonewood | $1,798 |
| Stouts Mills | $2,117 |
| Sugar Grove | $1,966 |
| Sumerco | $2,367 |
| Summersville | $2,042 |
| Summit Point | $1,942 |
| Surveyor | $2,149 |
| Sutton | $2,201 |
| Swiss | $2,181 |
| Switchback | $2,684 |
| Switzer | $2,627 |
| Sylvester | $2,266 |
| Tad | $2,149 |
| Talcott | $2,158 |
| Tallmansville | $2,164 |
| Tanner | $2,258 |
| Taplin | $2,588 |
| Teays Valley | $2,056 |
| Terra Alta | $2,071 |
| Tesla | $2,227 |
| Thacker | $2,814 |
| Thomas | $2,092 |
| Thornton | $2,096 |
| Thorpe | $2,664 |
| Thurmond | $2,097 |
| Tioga | $2,062 |
| Tornado | $2,130 |
| Triadelphia | $1,901 |
| Trout | $1,998 |
| Troy | $2,159 |
| Tunnelton | $2,097 |
| Turtle Creek | $2,242 |
| Twilight | $2,349 |
| Uneeda | $2,378 |
| Union | $2,020 |
| Upper Falls | $2,108 |
| Upper Tract | $1,940 |
| Upperglade | $2,184 |
| Valley Bend | $2,105 |
| Valley Fork | $2,296 |
| Valley Grove | $1,962 |
| Valley Head | $2,149 |
| Vallscreek | $2,720 |
| Van | $2,297 |
| Varney | $2,823 |
| Verdunville | $2,676 |
| Verner | $2,738 |
| Victor | $2,157 |
| Vienna | $1,906 |
| Vivian | $2,829 |
| Volga | $2,094 |
| Vulcan | $2,814 |
| Waiteville | $2,031 |
| Walkersville | $2,164 |
| Wallace | $1,968 |
| Wallback | $2,296 |
| Walton | $2,414 |
| Wana | $1,919 |
| War | $2,713 |
| Wardensville | $2,023 |
| Warriormine | $2,696 |
| Washington | $2,070 |
| Waverly | $2,060 |
| Wayne | $2,569 |
| Wayside | $2,019 |
| Webster Springs | $2,239 |
| Weirton | $1,948 |
| Welch | $2,709 |
| Wellsburg | $1,975 |
| West Columbia | $2,347 |
| West Hamlin | $2,377 |
| West Liberty | $2,037 |
| West Milford | $1,968 |
| West Union | $2,086 |
| Weston | $1,902 |
| Westover | $1,771 |
| Wharncliffe | $2,787 |
| Wharton | $2,397 |
| Wheeling | $1,949 |
| White Oak | $2,114 |
| White Sulphur Springs | $1,962 |
| Whitesville | $2,283 |
| Whitman | $2,704 |
| Whitmer | $2,129 |
| Whittaker | $2,126 |
| Widen | $2,192 |
| Wilcoe | $2,692 |
| Wildcat | $2,071 |
| Wiley Ford | $1,929 |
| Wilkinson | $2,652 |
| Williamsburg | $1,998 |
| Williamson | $2,710 |
| Williamstown | $1,991 |
| Willow Island | $2,041 |
| Wilsondale | $2,773 |
| Winding Gulf | $2,228 |
| Windsor Heights | $2,055 |
| Winfield | $2,037 |
| Winifrede | $2,093 |
| Winona | $2,173 |
| Wolf Creek | $2,022 |
| Wolfe | $2,287 |
| Woodville | $2,369 |
| Worthington | $1,839 |
| Wyatt | $2,021 |
| Wyco | $2,329 |
| Wyoming | $2,312 |
| Yawkey | $2,364 |
| Yellow Spring | $2,109 |
| Yolyn | $2,597 |
Current state of homeowners insurance in West Virginia
Homeowners insurance in West Virginia is relatively affordable compared to many other parts of the country. The average premium for a home with $400,000 in dwelling coverage is $2,117 per year, which is below the national average of $2,628.
One reason for lower insurance costs may be that home values tend to be lower than in many other states, often by a lot. For example, the median sales price for West Virginia homes in Mercer County came in at $130,230 in the last quarter of 2025, compared to $356,310 just over the border in Virginia’s Montgomery County. As a result, rebuilding costs tend to be lower as well.
The average home size in West Virginia, 1,752 square feet, is also smaller than the national average. Homes are older than the national average at 48 years.
West Virginia homeowners have seen smaller insurance rate increases compared to many other states in recent years. Average premiums have increased only by about 21.4% since 2021, which is much lower than nearby states like Virginia (38.9%), Pennsylvania (34.3%) and Kentucky (49.7%). It’s also a fraction of what residents of Minnesota and Colorado have experienced, where rates have climbed more than 80% over the same period. Only three states — Wyoming, Maine and Vermont — saw smaller increases than West Virginia during that time.
While West Virginia has avoided some of the major insurance challenges affecting other states, homeowners should still consider risks that can affect coverage costs. Flooding, severe storms and winter weather can all lead to property damage and may impact insurance rates, depending on where you live. Comparing quotes from multiple insurers can help you find the right coverage at a competitive price.
How to compare homeowners insurance in West Virginia
Finding the right homeowners insurance policy in West Virginia requires more than just choosing the lowest premium. Before buying a policy, consider these factors:
- Coverage limits: Check that your policy offers enough coverage to repair or rebuild your home and replace your personal belongings after a covered event. This is especially important in areas where flooding, storms or other weather risks may increase the chance of damage.
- Deductibles: Your deductible affects both your premium and how much you pay if you need to file a claim. Pick a deductible amount that makes sense for your budget and you could afford after unexpected damage.
- Exclusions: Take time to understand what your policy does not cover. For example, most standard homeowners insurance policies do not cover flood damage, so you may need a separate flood insurance policy if you live in a higher-risk area.
- Add-ons: Optional coverage can help provide extra protection beyond a standard policy. Depending on your situation, you may want to consider coverage like water-backup protection, extended dwelling coverage or replacement cost coverage.
- Discounts: Insurance companies offer different ways to save, so ask about available discounts. You may be able to lower your premium by bundling policies, installing security features, maintaining a claim-free record or making certain updates to your home.
If you own one or more vehicles, consider bundling your home and auto insurance. Many insurance companies offer big discounts for this.
How LendingTree helps you find the right policy
Shopping for home insurance isn’t always straightforward — especially when availability and pricing can vary widely. LendingTree makes it easier by helping you explore options from multiple insurers, so you can find coverage that fits your home, location and budget.
How it works
Tell us about your home
Answer a few quick questions about your home, location and coverage needs.
Compare options from insurers
See quotes and typical rates from insurers that offer coverage in your area.
Choose the right policy
Review your options and pick the coverage that fits your needs and budget.
Frequently asked questions
Homeowners insurance is not legally required in West Virginia. However, most mortgage lenders require borrowers to carry insurance as a condition of their loan. Even if you own your home outright, having homeowners insurance can help protect your home, belongings and finances after a covered loss.
Homeowners insurance in West Virginia tends to cost less than in many other states because home prices and rebuilding costs are generally lower. The average home size in West Virginia is also smaller than in many states, which can reduce the cost to repair or replace a home after damage. However, rates can still vary based on factors like your location, coverage limits and risk of flooding or severe weather.
If you are having trouble finding homeowners insurance in West Virginia, talk to different companies about ways to reduce your risk, such as making home improvements or adding safety features. You may also want to speak with an independent agent who may be able to connect you to a company that specializes in high-risk home insurance. If private insurers will still not offer coverage, see if you’re able to apply for coverage through the West Virginia FAIR plan.
The West Virginia FAIR plan is a last-resort insurance option for homeowners who cannot find coverage through the standard insurance market. It provides basic property insurance for eligible homeowners who have been turned down by private insurers. Coverage options and eligibility requirements may be more limited than a traditional homeowners insurance policy.
Methodology
How we chose the best home insurance in West Virginia
The rates shown in this article are based on an analysis of non-binding quotes obtained in February 2026 from Quadrant Information Services for sample homes in 762 West Virginia ZIP codes. Unless otherwise noted, policies include:
- Dwelling coverage: $400,000
- Other structures: $40,000
- Personal property: $200,000
- Loss of use: $80,000
- Personal liability: $100,000
- Guest medical payments: $5,000
- Deductible: $1,000
How we create LendingTree ratings
Our team of insurance experts evaluates insurance companies across several categories, including average rates, discounts, coverage options, third-party customer service ratings and app/website experience. We use this information to create LendingTree ratings, which help us identify and recommend the best insurance companies for consumers.
For third-party customer service ratings, we included NAIC’s Complaint Index scores and financial strength ratings from A.M. Best. NAIC Complaint Index scores show how well companies treat customers over things like claims, while financial strength ratings from A.M. Best reflect the ability to pay out claims.
See our home insurance ratings methodology and full editorial guidelines for further details.
**USAA is only available to current and former members of the military, spouses or children of USAA members and employees of certain federal agencies.