West Virginia Home Insurance Quotes
West Virginia home insurance shoppers face unique challenges - and HomeInsurance.com understands that. Here, you can compare up to six home insurance quotes with the leading providers in the country. Our team of licensed consultants will shop your West Virginia Home insurance policy to make sure you are getting the best rate on the most comprehensive coverage. Qualify for discounts and then sit back, relax, and let us take care of the rest.
Our team of licensed agents will shop for your West Virginia home insurance policy and help you get the best rate on the most comprehensive coverage. And we can help you get apples-to-apples comparisons for multiple WV insurance providers.
Home insurance rates in West Virginia
The average West Virginia home insurance rate in October 2013 was $997.00. It appears that rates have decreased since September when average rates in West Virginia were around $1070.00. This reflects the annual cost of a standard home policy and does not include flood insurance or earthquake insurance.
Average Premiums for Home Insurance In West Virginia
|Oct 2013||Sep 2013||Aug 2013||Jul 2013||Jun 2013|
Though average West Virginia homeowners insurance premiums have decreased, you should stay mindful of how much you are paying to insure your home - and where you can save. Taking advantage of discounts can keep your rates low and 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.
Enter your ZIP code in one of the forms above or call 1-877-919-5198 now to start getting West Virginia home insurance quotes tailored to your needs. Our agents will work with multiple carriers to get you the best rates for your WV policy. They also will make sure you get every available discount. Potential discounts include the following:
- Home-auto bundle. Save up to 20% by buying both coverages from the same provider.
- Nonsmokers. Save up to 20% if no one in your households smokes.
- New home. If your home was built within the past 10 years, you could save up to 20%.
- 55 or older, retired. Save up to 20% - certain conditions apply.
- Claims-free. Save up to 20% if you haven't filed any home insurance claims within the past 10 years.
- Alarm systems. Save up to 10% if you have one. You'll need a certificate from your provider.
- Fire/smoke detectors and deadbolt locks also could mean savings.
Discounts vary widely by provider. All discounts aren't available in every state.
Insurance Rates by County
Do homeowners in your area pay more for home insurance than the state average? Use the chart below to see how average insurance premiums in your county stack up against the average rates in your state.
See what your neighbors in West Virginia are paying
Curious about how much you could save on your home insurance premiums? Here are details of the last five policies written in West Virginia by HomeInsurance.com agents.
Premiums vary according to square footage, location, features of the home and other factors.
|Home 1||Home 2||Home 3||Home 4||Home 5|
|Premium with Auto Discount||$1,034†||$524†||$736†||$1,250†||$1,480†|
|Carrier||Liberty Mutual||Hartford||Hartford||Liberty Mutual||Foremost|
|Foundation type||Slab||Crawl Space||Crawl Space||Basement|
|Discounts|| || || || || |
|Primary Heat Source||Central Gas||Central Electric||Central Electric||Central Gas|
Standard West Virginia Home Insurance Coverages
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.
West Virginia Homeowners Insurance News
West Virginia insurance disclosure bill advancesWednesday, February 29, 2012
FEMA aid reaches more statesTuesday, April 27, 2010
Federal flood insurance program receives an extensionMonday, April 19, 2010
Other West Virginia Homeowners Resources:
- Home Insurance Quiz- How much do you know about your West Virginia home insurance policy? Quiz yourself!
- Homeowners Insurance Calculator- How much Dwelling Coverage do you need? Get average dwelling costs in West Virginia.
- West Virginia Home Inventory Checklist- Download and Print our home inventory checklist for free.
Search for home insurance in your West Virginia city:
Customer Reviews in West Virginia
For additional information about specific insurance laws in West Virginia, visit the West Virginia Insurance Commission website.