West Virginia Home Insurance Quotes
Searching for West Virginia home insurance quotes shouldn't be an uphill battle. HomeInsurance.com can fine tune your search by cutting out the time you waste wading through multiple offers on different websites. Our agents work with multiple highly-rated carriers to find peak perfect coverage at a great price.
West Virginia, as the only state that falls entirely in the Appalachian Mountains, boasts geographical extremes. Those extremes fortunately don't translate into many weather extremes. The state is among the least tornado-prone states east of the Rockies, and doesn't experience much risk of blizzards, earthquakes, or wildfires.
West Virginia may avoid some large scale natural disasters, but it's one of the cloudiest states in the nation and hosts some of the most frequent precipitation (more than 200 days per year). This precipitation involves thunderstorms, hail, winds, and floods. Remember that providers typically exclude flood damage from a West Virginia home insurance policy, so if you live near a floodplain, consider purchasing a separate flood policy.
Home insurance rates in West Virginia
The average West Virginia Home insurance rate in February 2014 was $923.00. These rates reflect average premiums on new sold policies by HomeInsurance.com. A standard home insurance policy will cover the structure of the buildings on the property, the contents of the home, liability for the homeowner(s), medical payments and loss of use expenses.
Average Premiums for Home Insurance In West Virginia
|Feb 2014||Jan 2014||Dec 2013||Nov 2013||Oct 2013|
Determining what your state pays in relation to the national average also can help you better understand your policy. Compared to the national average of $815, West Virginians paid $923
No matter which way home insurance rates fluctuate, you can always look for additional ways to save. Call us at 1-877-295-3422 or enter your ZIP code above to begin qualifying for savings. Some common discounts include:
- Bundle: Purchasing through the same carrier for both your auto policy and your West Virginia homeowners insurance policy can save you up to 20% on your monthly premiums.
- Fire Safety: The average house fire causes $33,000 worth of damage. Providers reward fire safe homeowners by offering discounts for non-smoking families, sprinkler systems, and smoke detectors.
- Security: Protect your wallet by safeguarding your home; install a security system or deadbolt locks and you could qualify for a price break.
- Claims history: If you haven't filed a claim in the last 10 years, you could earn savings.
- New home: You could qualify for a discount if your home was built within the last 10 years.
West Virginia home insurance: what others pay
Knowing the average rates for your county can help you decide what coverage and premiums are appropriate for you. Click below to discover how your county compares those surrounding you and to the state average.
Do you wonder what your neighbors pay? Below, we've listed the last 5 West Virginia home insurance policies sold by HomeInsurance.com. Remember that premiums vary based on other determining factors such as house type and individual situation.
|Home 1||Home 2||Home 3||Home 4||Home 5|
|Premium with Auto Discount||$1,262†||$432†||$864†||$394†||$0†|
|Foundation type||Slab||Crawl Space||Crawl Space||Crawl Space|
|Discounts|| || || || || |
|Primary Heat Source||Central Gas||Central Electric||Central Gas||Central Electric||Central Gas|
Standard West Virginia home insurance policy coverage
With West Virginia homeowners insurance, the more you know the better. If you familiarize yourself with the coverage types contained in a standard West Virginia home insurance policy, you can both make sure your policy protects you from the proper disasters and better understand what to pay. The protection contained in your policy typically includes protection for your:
- Dwelling: The structure of your home receives protection from specified perils such as wind and hail from this portion of your policy.
- Other Structures: Your policy can help pay for damages to any structures on your property detached from your house.
- Loss of Use: If your house becomes damaged in a covered event, your policy can help pay any hotel or restaurant bills you accrue while displaced.
- Personal Property: The contents of your house are protected from damage due to a covered peril under this coverage.
- Personal Liability: If someone sustains an injury on your property and decides to take you to court, this portion of your policy can help pay legal expenses and the final judgment.
- Medical Payments: If someone becomes injured on your property but does not sue, Medical Payments coverage can help pay medical bills.
Additional WV homeowners resources
Take our home insurance quiz to find out how well you know your West Virginia home insurance policy.
Follow our disaster preparedness guide to prevent some storm damage to your home.
Use our homeowners insurance calculator to find out average West Virginia dwelling costs and to calculate the amount of dwelling coverage to purchase.
Find West Virginia home insurance for your city
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