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.

Figure out how much coverage you need by calculating your home's rebuild cost and the value of your belongings. A policy with $100K dwelling coverage costs an average of $944 per year in West Virginia. With $500K dwelling coverage, the average premium jumps 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.

Your home’s construction materials also influence your rates. Stronger, more damage-resistant materials can help lower premiums. Insurers often prefer homes built with sturdier construction methods, and this is reflected in the price you pay for coverage.

Check the tables below to see how different roof and construction materials can influence your insurance costs.

Typically, insuring a new construction home in West Virginia costs less than an older home due to modern materials and adherence to current building codes. The average annual premium for new construction is $931, which is $715 less than the average for existing homes. The table below displays the premium differences for varying coverage levels in new versus existing homes.

In West Virginia, homeowners who have been claim-free for more than five years can expect to pay an average annual premium of $1,646 for their insurance. However, if you've filed one claim within the past five years, your average premium jumps to $2,228. For those with two claims in the same time frame, the average cost escalates to $2,656 annually. These figures highlight the financial benefit of maintaining a claim-free record, as premiums can increase by $582 to $1,010 above the average for those with claims.

Shopping for home insurance in West Virginia doesn't have to be a mountain of a task. With the right approach, you can find a plan that keeps your home safe without breaking the bank. Here's how to find the best deal for you.

In West Virginia, homeowners can save more by bundling their home and auto insurance. On average, a bundle lowers the combined cost by about 17%, which comes out to roughly $232 to $596 a year. A multipolicy bundle can make a noticeable difference in your budget, so it’s worth checking the top home and auto bundle options available in the state.

Homeowners in West Virginia have access to several insurance discounts, including:

• Protective device discounts for homes with security systems
• Loyalty discounts for long-time policyholders
• Claims-free discounts for those with no past claims

When you request a quote, ask about every discount you might qualify for so you don’t miss out on potential savings.

Homeowners in West Virginia who want to learn more about insurance policies and state rules have many helpful resources to explore. These tools offer more details on affordable coverage, estimated insurance costs and options for homes in high-risk areas. Here are a few you can check out:

• 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.