Average Cost of Homeowners Insurance in West Virginia (2025)

The average cost of homeowners insurance in West Virginia in 2024 is $1,646. This figure is $777 less than the national average of $2,423.

Aside from the amount of coverage you get, credit rating has the largest impact on premiums in West Virginia. The difference between the lowest and highest premium amounts due to credit rating is $2,902 on average. Your choice of insurance provider can also impact your premiums. If your rates have recently increased, we've also analyzed the cheapest home insurance in West Virginia.

West Virginia homeowners pay an average of $1,646 annually for $250K dwelling coverage, $125K personal property coverage and $200K liability coverage. This falls below the national average of $2,423.

Calculate how much coverage you need by estimating your home's rebuild cost and belongings' value. West Virginia policies with $100,000 dwelling coverage average $944 yearly. Bump that to $500,000 dwelling coverage and premiums jump to $2,849 annually.

Homeowners insurance premiums in West Virginia can differ a lot between providers, even when the coverage is similar. Each insurer uses its own approach and risk guidelines, which leads to these differences.

If you’re shopping for coverage, you’ll find many great home insurance options in West Virginia. Since underwriting varies by company, annual premiums can range widely, making it helpful to compare quotes before choosing a policy.

Homeowners in West Virginia with poor credit pay about $4,206 a year for home insurance, which is $2,560 higher than the state average of $1,646. Credit plays a big role in pricing. Those with excellent credit pay around $1,304 yearly, or $342 less than the state average.

Your credit score won’t improve overnight, but small steps over time can help lower your costs. For now, comparing quotes from different insurers is one of the easiest ways to find better rates. You can review the most affordable home insurance options in West Virginia in just a few minutes.

The type of roof you have can affect your homeowners insurance premiums. More durable materials, like tile, often lead to lower costs, while shake-treated roofs may come with higher premiums because they’re more likely to be damaged by severe weather.

Construction materials directly affect your West Virginia insurance rates. Brick, concrete block and other damage-resistant materials lower premiums because they withstand storms and fires better than wood frame construction. Insurers reward sturdy building methods with cheaper coverage.

Check the tables to see how different roof and construction materials affect your costs:

New construction homes in West Virginia cost less to insure than older properties thanks to modern materials and updated building codes. New homes average $931 annually, $715 less than existing homes. The table displays premium differences across coverage levels for new versus existing properties:

West Virginia homeowners with clean claims records over five years pay an average of $1,646 annually. File one claim in the past five years? Your premium jumps to $2,228. Two claims push costs to $2,656 annually. Maintaining a claim-free record saves $582 to $1,010 yearly compared to filing claims.

West Virginia home insurance shopping doesn't need to overwhelm you. The right approach finds solid coverage without breaking your budget. Follow these steps for the best deal:

West Virginia homeowners save money by bundling home and auto insurance. Bundles cut combined costs by roughly 17%, saving $232 to $596 annually. This multipolicy discount significantly impacts your budget, so compare top home and auto bundle options in the state.

West Virginia homeowners can access multiple insurance discounts:

• Protective device discounts for security systems
• Loyalty discounts for staying with the same insurer for years
• Claims-free discounts for maintaining clean records

Ask about every discount you qualify for when requesting quotes to maximize savings opportunities.

West Virginia homeowners can access multiple resources for insurance policies and state regulations. These tools provide information on affordable coverage, cost estimates and high-risk area options:

• West Virginia Offices of the Insurance Commissioner: Official state resource for insurance regulations.
• Affordable Home Insurance in West Virginia: Find cost-effective options for your home.
• West Virginia Homeowners Insurance Calculator: Estimate your potential insurance costs.
• High-Risk Home Insurance Coverage: Understand insurance for homes in high-risk areas.
• Top Home Insurance Options in West Virginia: Compare the best insurance providers.
• Personal Property Coverage Essentials: Guide to personal property insurance needs.
• Report Insurance Fraud: Online system for reporting insurance fraud.