West Virginia Homeowners Insurance Quotes

West Virginia home insurance coverage and rates information.

Compare and save on
West Virginia home insurance today.

Zip Code:
Year Built:
97% of customers recommend HomeInsurance.com.
97% of customers recommend HomeInsurance.com. 4.5/5 stars Read Reviews
Speak with a licensed agent in West Virginia Call Us Now: 877-763-6862 or Request A Call

At HomeInsurance.com you can compare up to four home insurance quotes with the leading providers in the country. Our team of licensed consultants will shop your West Virginia homeowners insurance policy to make sure you are getting the best rate on the most comprehensive coverage. Qualify for discounts and then sit back, relax while we take care of the rest.

The average West Virginia home insurance rate in December 2011 was $831.00. It appears that rates have increased since November 2011 when average rates in West Virginia were around $805.00. These premiums reflect the annual cost of a standard home policy and do not include flood insurance or earthquake insurance.

Average Premiums for Home Insurance In West Virginia
Dec 2011Nov 2011Oct 2011Sep 2011Aug 2011
$831.00$805.00$875.00$875.00$863.00

Since average West Virginia homeowners insurance premiums have increased, you should stay mindful of how much you are paying to insure your home. Taking advantage of discounts can make sure your rates stay low while keeping your coverage intact. The biggest savings can usually be found with a home-auto discount which can save you around 20% on your West Virginia policy. Other discounts may be offered for homes that have burglar alarms and deadbolt locks.

Standard West Virginia Home Insurance Coverages

Coverage
A

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

B

Other Structures: Other structures such as detached garages or sheds would also be covered under a standard West Virginia home insurance policy

C

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.

D

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.

E

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.

F

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.

West Virginia Homeowners Insurance News

Other West Virginia Homeowners Resources:

Search for home insurance in your West Virginia county:

Customer Reviews in West Virginia

The top 2 customer reviews on HomeInsurance.com service and savings in West Virginia.
5 Star Rating
Savings: $540/year
Customer: Allison R.
Date: Jan 13, 2012
You made me one happy camper!
Elkins, WV
4 Star Rating
Savings: $200/year
Customer: Chris J.
Date: Aug 12, 2009
Thanks for the low rate with Travelers. I saved money and got better coverage.
Athens, WV

For additional information about specific insurance laws in West Virginia, visit the West Virginia Insurance Commission website.

Customer Care