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Condo insurance isn’t required by law in West Virginia, but your mortgage company likely requires it. Condo insurance is a home insurance policy that covers everything inside your condo, while the homeowners association’s insurance covers the outside of your building and common areas.

Depending on your HOA’s rules, your condo insurance may cover not only personal property, but also provides dwelling coverage known as building property coverage, for the interior of the structure. Make sure you know how much condo insurance you need before you buy condo insurance.

To find the best condo insurance in West Virginia, we’ve gathered data on the top companies. Below you’ll find a list of the best condo insurance companies in West Virginia with average annual rates.

Key takeaways

  • The residents of West Virginia pay an average of $313 per year for condo insurance for a coverage level of $60,000 for personal property, $300,000 for liability protection with a $1,000 deductible.
  • Based on the analysis by Insurance.com, USAA is the top pick for the best condo insurance company in West Virginia.
  • USAA offers the cheapest condo insurance in West Virginia at an average of $156 per year.

Best condo insurance companies in West Virginia

In West Virginia, you have a lot of options when it comes to finding the best condo insurance company. To make your task easier, our insurance experts have analyzed premiums, coverage offerings, J.D Power score and customer satisfaction ratings of major insurers in West Virginia. Below are the best condo insurance companies in West Virginia based on Insurance.com’s analysis.

CompanyJ.D. Power ScoreAM Best RatingAverage rating (out of 5)
USAA884A++
5.0
Allstate815A+
3.2
State Farm829A++
3.1
Automobile Club MI (AAA)817A+
3.1
Nationwide816A+
2.6
Erie Insurance827A+
2.5

Average cost of condo insurance in West Virginia

The average cost of condo insurance in West Virginia is $313 a year or $26 a month with $1,000 as deductible, $60,000 in personal property coverage, and liability coverage of $300,000. Your average annual premium will vary depending on your location, the coverage limits you select, and the deductible amount among other factors.

To find the most affordable policy for your situation, compare quotes from multiple providers based on the coverage you need.

Average Annual PremiumAverage Monthly Premium
$313$26

CONDO INSURANCE CALCULATOR

Average condo insurance rates in WEST VIRGINIA

$60,000
$1,000
$100,000
25305 - Charleston
Personal Property Coverage $60,000, Deductible $1,000 and Liability $100,000.

AVERAGE RATE: $380

HIGHEST RATE: $1,098 LOWEST RATE: $150

Most & least expensive zip codes for condo insurance in West Virginia

Most Expensive

Zip CodeCityHighest Rate
25511Dunlow$432
24828Davy$427
25524Harts$424
24808Anawalt$424

Least Expensive

Zip CodeCityLowest Rate
26554Fairmont$327
25419Falling Waters$329
25403Martinsburg$335
25421Glengary$336

Condo insurance rates by company in West Virginia

Rates for condo insurance by company in West Virginia vary. It’s important to shop around and compare quotes to find the best price. 

In the table given below, you’ll see condo insurance rates for major companies in West Virginia. The cheapest company for condo insurance in West Virginia is USAA. Allstate, and Automobile Club MI (AAA), are the second and third cheapest options.

CompanyAverage Annual Rate
USAA$156
Allstate$219
Automobile Club MI (AAA)$254
Nationwide$351
State Farm$367
Westfield Insurance$402
Erie Insurance$439

Methodology

Insurance.com compared condo insurance rates provided by Quadrant Data Solutions in 2022 for $60,000 of personal property coverage with a $1,000 deductible and $300,000 of liability coverage for all available ZIP codes and with a good credit score. The content was updated in 2023.

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