USAA is the best homeowners insurance company in West Virginia, based on an analysis by Insurance.com. Its overall rating is 4, and it has earned 882 scores out of 1000 from J.D. Power.
Whereas Erie received 835 scores out of 1000 from J.D. Power. Besides, A.M Best rated it A+, which is the highest rating they offer.
With so many options out there, it is not easy to choose a homeowners insurance company in West Virginia. You need a reliable company that will provide you with quality service at an affordable price. If this is what you're looking for, then keep on reading this guide.
- Best home insurance companies in West Virginia
- Compare best homeowners insurance companies in West Virginia
- Average cost of homeowners insurance in West Virginia
- 10 Most expensive zip codes in West Virginia for homeowners insurance
- 10 Least expensive zip codes in West Virginia for homeowners insurance
- Cheap homeowners insurance in West Virginia
- Home and auto bundle discounts in West Virginia
Best home insurance companies in West Virginia
If you're looking for the best homeowners insurance company in West Virginia, we've got you covered. We've compiled a list of some of the top-rated insurers in the state and compared their rates, their customer satisfaction rating, J.D. Power score, claims handling and AM Best rating to help make your decision easier. Here is the list of best home insurance companies in West Virginia:
- USAA
- Erie Insurance
- Nationwide
- Safeco
- Allstate
Compare best homeowners insurance companies in West Virginia
The best way to find the right homeowners insurance policy in West Virginia is by getting quotes from multiple carriers. You should compare the rates and coverage options and see if they offer good customer service before deciding on the insurance company.
We have compared the homeowners insurance policies from different companies in West Virginia using the scores from J.D. Power and ratings from A.M Best. Below are the best home insurance companies, along with their overall ratings.
| Company | Overall rating | J.D. Power score | AM Best rating |
|---|---|---|---|
| USAA | 4 | 882 | A++ |
| Erie Insurance | 4 | 835 | A+ |
| Nationwide | 4 | 812 | A+ |
| Safeco | 4 | 810 | A |
| Allstate | 3 | 829 | A+ |
| Liberty Mutual | 3 | 806 | A |
| Hartford | 2 | 798 | A+ |
Average cost of homeowners insurance in West Virginia
The average cost of homeowners insurance in West Virginia is $2,486 a year or $207 a month. However, the average annual premium varies by the insurance company, your ZIP code, coverage type, your home's age, among other factors. A typical homeowners policy includes basic coverage such as dwelling, liability, and personal property protection. It’s a good idea to compare price quotes and coverage options from different West Virginia homeowners insurance companies to get the best deal.
| Average annual premium | Average monthly premium |
|---|---|
| $2,486 | $207 |
10 Most expensive zip codes in West Virginia for homeowners insurance
The home insurance rate you pay depends a lot on where your property is located. It means that rates vary depending upon the ZIP code, with some areas having considerably higher rates than others for home insurance.
We have compared quotes from all the major home insurance companies in West Virginia for nearly all the ZIP codes. West Virginia homeowners insurance rates are the most expensive for ZIP code 25676. Its average annual cost is $2,750.
Find below the average home insurance rate for other ZIP codes-
| ZIP code | Average annual rate |
|---|---|
| 25676 | $2,750 |
| 24846 | $2,701 |
| 25674 | $2,688 |
| 25608 | $2,676 |
| 24862 | $2,673 |
| 25692 | $2,671 |
| 25678 | $2,670 |
| 25651 | $2,668 |
| 25661 | $2,667 |
| 25621 | $2,634 |
10 Least expensive zip codes in West Virginia for homeowners insurance
Insurance companies use different factors to determine your home insurance rate, one of them is the place where you live. That's why prices vary greatly based on the ZIP code for any given area.
Some ZIP codes in West Virginia have relatively lower home insurance costs than others. The least expensive ZIP code for home insurance in West Virginia is 25419; its average rate is $1,587 a year--- $899 less than the state average ($2,486).
Below is a list of the least expensive ZIP codes for homeowners insurance-
| ZIP code | Average annual rate |
|---|---|
| 25419 | $1,587 |
| 25440 | $1,590 |
| 25438 | $1,594 |
| 26501 | $1,601 |
| 25441 | $1,602 |
| 25404 | $1,603 |
| 25403 | $1,606 |
| 25443 | $1,609 |
| 26505 | $1,611 |
| 25413 | $1,613 |
Cheap homeowners insurance in West Virginia
The cheapest homeowners insurance company in West Virginia is American Select Insurance, based on Insurance.com’s rate analysis. It offers home insurance at an average of $2,110 a year.
Insurance providers use different methods when deciding on your average annual premium; as a result, prices vary significantly between carriers. Therefore, get at least three price quotes when you shop for coverage, suggests Insurance.com's former Senior Consumer Analyst Penny Gusner.
Following is a list of cheapest home insurance companies along with their average annual premiums-
| Company name | Average annual premium |
|---|---|
| American Select Insurance | $2,110 |
| Safeco | $2,208 |
| USAA | $2,229 |
| Nationwide | $2,536 |
| Allstate | $2,556 |
| State Farm | $2,724 |
| Liberty | $3,064 |
| Erie | $4,107 |
Home and auto bundle discounts in West Virginia
Most insurance companies offer discounts to those who bundle their car and home insurance policies. A home and auto bundle can save you an average of $427 a year or 23%, based on an analysis by Insurance.com.
You can save an average of $950 or 39% a year if you bundle your home and auto insurance policies from Allstate, the highest among the carriers surveyed.
Below we provide a list of top insurance companies in West Virginia that offer a discount on home and auto bundles.
| Company | $ Bundle average saving | % Bundle average saving |
|---|---|---|
| Allstate | $950 | 39% |
| State Farm | $580 | 33% |
| Nationwide | $502 | 26% |
| Erie | $377 | 24% |
| Westfield Insurance | $286 | 12% |
| American Select | $217 | 14% |
| USAA | $129 | 10% |
