Besthome insuranceWest Virginia2022The Best Homeowners Insurance Companies in West Virginia (2022)
Home insurance companies in West Virginia that are affordable, financially stable, and have strong customer service and claims experience are the best. MoneyGeek’s research found Erie is West Virginia’s best home insurance company overall. However, the top company for you may be different depending on your needs and priorities.
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Advertising & Editorial DisclosureLast Updated: 9/26/2022
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Mark Fitzpatrick
MoneyGeek’s research showed Erie is the overall best home insurance company in West Virginia. However, Nationwide is MoneyGeek’s pick if service quality is a top priority, while State Farm is the best choice for a high-value house or to bundle a policy with auto.
To help you find a policy that fits your needs, MoneyGeek scored the best home insurance companies in West Virginia for different types of homeowners and reviewed their available coverages and discounts.
If you’re more concerned with savings than service quality, MoneyGeek also analyzed the cheapest home insurance companies in West Virginia.
Besthome insuranceWest Virginia2022The Best Homeowners Insurance in West Virginia
Best overall - Erie
Best for service quality - Nationwide
Best on a budget - Erie
Best for expensive homes - State Farm
Best for veterans - USAA
Best for bundling - State Farm
The Best Overall Homeowners Insurance Companies in West Virginia
MoneyGeek scored West Virginia home insurance companies based on customer satisfaction and claims reputation, affordability and financial stability, to find the best.
West Virginia’s best home insurance companies overall are:
- Erie: MoneyGeek score of 85 out of 100
- Nationwide: MoneyGeek score of 83 out of 100
USAA was excluded from this analysis since it exclusively serves active and former military members and their families. However, with a MoneyGeek score of 98 out of 100, USAA offers the best home insurance in West Virginia for those who are eligible.
We explained below why Erie and Nationwide received the highest scores for home insurance in West Virginia and reviewed their unique coverages and discounts.
The Top Home Insurance Companies in West Virginia
1
Erie
Score:85
Costing around $686 annually, Erie scored a perfect rating for affordability. It got an above-average score for financial stability and an average score for customer satisfaction. Erie offers add-on service line coverage, which is rare.
More About Erie
Service line add-on coverage through Erie pays for damages to underground service and utility lines. Plus, an Erie home policy automatically comes with guaranteed replacement cost coverage, which pays for rebuilding expenses without limits. Erie also offers discounts, like obtaining a quote seven to 60 days before the policy renews.
Read MoneyGeek's Erie home Insurance Review2
Nationwide
Score:83
Nationwide scored above-average for financial stability and average for customer satisfaction. It ranks second and above-average for affordability at roughly $757 per year. Nationwide offers better roof replacement, a unique add-on coverage.
More About Nationwide
Nationwide provides a unique add-on coverage in better roof replacement that covers the cost of replacing your damaged roof after a covered loss with more durable and safer materials. Nationwide also offers unique discounts, such as for living in a gated community or for purchasing your home in the past 12 months.
Read MoneyGeek's Nationwide home Insurance ReviewHOW WE DETERMINED THE BEST WEST VIRGINIA HOME INSURANCE
MoneyGeek gathered home insurance quotes from across the country and evaluated them, taking J.D. Power account property claims and customer satisfaction scores into account. We used these ratings to score the best home insurance nationally and in West Virginia.
Final insurance cost and customer experience may differ based on your circumstances. Read MoneyGeek’s methodology for more information.
The Best Homeowners Companies in West Virginia for Service Quality
MoneyGeek discovered West Virginia’s best-rated home insurance companies based almost entirely on customer satisfaction and claims experience. This evaluation caters to people who want the best service regardless of cost.
The best home insurance companies in West Virginia for service quality alone are:
- Nationwide: MoneyGeek score of 81 out of 100
- State Farm: MoneyGeek score of 81 out of 100
Although USAA received a perfect score out of 100, it was not included in this analysis because it is only available to eligible military members. It is the best home insurance company in West Virginia for those who are eligible.
We outlined why Nationwide and State Farm are the state’s best home insurance providers in terms of service quality without considering the price.
The Top Home Insurance Companies in West Virginia for Quality Service
1
Nationwide
Score:81
Nationwide got an above-average claims rating and an average satisfaction rating. Its customers have a positive experience when making claims.
More About Nationwide
Nationwide policyholders can get better roof replacement add-on coverage. It pays for the replacement of a house’s roof with stronger and safer materials after a covered loss.
Read MoneyGeek's Nationwide home Insurance Review2
State Farm
Score:81
State Farm is above-average for customer satisfaction, meaning it provides high-quality offerings and processes. However, the State Farm claims rating is average.
More About State Farm
State Farm offers mold coverage as an add-on to a homeowners policy. It pays for up to $20,000 in damages due to fungus or mold. It also has loss assessment as an optional coverage that pays for the policyholder’s portion of a covered loss that a homeowner’s association assesses to all members.
Read MoneyGeek's State Farm home Insurance ReviewThe Best Homeowners Companies in West Virginia on a Budget
MoneyGeek uncovered the best home insurance companies in West Virginia for those on a budget who still want great service.
West Virginia’s best-rated home insurance providers for homeowners on a budget are:
- Erie: MoneyGeek score of 92 out of 100
- Nationwide: MoneyGeek score of 88 out of 100
USAA has the highest rating among home insurers in West Virginia for budget-friendly insurance at 97 out of 100, but it is only available to military families, which is why it's excluded in this analysis.
An Erie home insurance policy costs around $686 per year, and Nationwide is around $757 per year.
We evaluated below why Erie scored the highest for people on a budget in West Virginia who need home insurance and listed the unique coverages and discounts the company offers.
The Top Home Insurance Companies in West Virginia on a Budget
pros
Most affordable home insurance coverage at approximately $686 per year
Offers bundling with auto, protective device and early payment discounts
cons
Doesn’t offer claims free, new home or home renovation discounts
MoneyGeek satisfaction rating of 3.86 out of 5
COMPANY HIGHLIGHTS
Erie is West Virginia’s best-rated home insurance company for affordability, with a perfect score of 5 out of 5.
You can get a discount from Erie if you bundle your car and home insurance policies. In addition, installing alarms for burglary or fire can provide savings on your home insurance.
As an added bonus, Erie has a unique early payment discount. It’s a rare offer that provides a discount if you get a home insurance quote seven to 60 days before your policy renews.
The Best Homeowners Companies in West Virginia for Expensive Homes
To help you get the best insurance for an expensive home with a high rebuild cost, MoneyGeek found the best-rated home insurance companies in West Virginia for homes that would cost $2 million to replace. We considered factors such as customer satisfaction in this analysis.
West Virginia’s best insurance companies for expensive homes are:
- State Farm: MoneyGeek score of 83 out of 100
- Erie: MoneyGeek score of 82 out of 100
USAA earned a perfect score in West Virginia; it’s the best home insurance company for eligible military members, veterans and their families. Its limited availability excluded it from the general list.
We analyzed below why State Farm earned the highest score among West Virginia’s expensive home insurers. We listed its unique coverages that are helpful for owners of high-value homes that need a lot of coverage.
The Top Home Insurance Companies in West Virginia for High-Value Homes
pros
MoneyGeek satisfaction rating of 4.1 out of 5
cons
Average affordability rating of 3.86 out of 5
Lacks contents replacement cost coverage
COMPANY HIGHLIGHTS
State Farm excels in customer service, with a satisfaction rating of 4.1 out of 5. It ranks second for affordability among West Virginia expensive home insurers, costing around $10,322 annually.
State Farm offers add-on coverages that are useful for owners of high-value houses. Scheduled personal property covers personal items such as jewelry, silverware and goldware, business property and firearms. Identity theft and cyber crime coverage is also available, offering case management and expense reimbursement.
The Best Homeowners Companies in West Virginia for Veterans
MoneyGeek found the best homeowners insurance companies in West Virginia for military families.
Our research shows that USAA is the best home insurance company for veterans, with a MoneyGeek score of 98 out of 100. Its policies are affordable, with an average cost of $742 per year. USAA also has a perfect rating for customer satisfaction.
USAA customizes its policies to current and former military personnel.
The Top Home Insurance Companies in West Virginia for Veterans
pros
Coverages tailored to military families
MoneyGeek satisfaction rating of 5 out of 5
MoneyGeek affordability score of 4.7 out of 5
cons
Unavailable to those without a military background
COMPANY HIGHLIGHTS
In West Virginia, USAA gets a perfect customer satisfaction rating and is above-average for affordability, with a score of 5/5 and 4.7/5, respectively.
USAA automatically includes contents replacement cost coverage in its policies, which pays for the replacement of personal belongings at today’s cost (no depreciation). It also has add-on home rental coverage for if you rent out a room in your house or the entire house to protect you and your guests.
USAA offers a discount if you bundle your home and auto insurance policies, and gives a discount if you don’t have any claims for five or more years.
The Best Homeowners Companies in West Virginia for Bundling
If you need auto insurance and homeowners insurance, MoneyGeek rated the best insurance companies in West Virginia to bundle your home insurance policy with your car insurance policy.
If you want to bundle the best car insurance in West Virginia with the best home insurance, the top companies are:
- State Farm: MoneyGeek score of 85 out of 100
- Nationwide: MoneyGeek score of 78 out of 100
Bunding your home and car insurance policies in West Virginia can lead to extra discounts on your premiums. Additionally, it gives you the convenience of dealing with one company for your house and vehicle.
The Top Home Insurance Companies in West Virginia for Bundling
pros
26% bundling discount
MoneyGeek score of 4.14 out of 5 for car insurance
MoneyGeek score of 4 out of 5 for home insurance
cons
Limited unique add-on coverages for auto insurance
COMPANY HIGHLIGHTS
For car and home insurance, State Farm ranks above-average, scoring 4.14 out of 5 for auto and 4 out of 5 for home. If you bundle your home and auto insurance policies, State Farm offers a 26% discount.
State Farm home insurance policyholders can add vacancy coverage to their policies. That coverage pays for expenses due to vandalism and glass breakage if a house is unoccupied and empty for more than 30 days.
Car insurance policyholders can include rideshare coverage through State Farm. It is helpful for ridesharing company workers as it extends many policy coverages as long as they’re available for hire and their app is turned on.
How to Find the Best Home Insurance in West Virginia
To get the best homeowners insurance in West Virginia, MoneyGeek recommends choosing a company that balances affordability, service reputation and financial stability. You can use MoneyGeek’s research to find the best home insurance in West Virginia or do the research yourself.
1
Research Customer Service Reputations in West Virginia
MoneyGeek gathered the customer service reputations of home insurance providers in West Virginia. However, you can research J.D. Power satisfaction scores and NAIC complaint ratios yourself. West Virginia’s Offices of the Insurance Commissioner can help you in this process, too.
2
Compare Quotes for Yourself
MoneyGeek’s average insurance quotes are based on sample homeowner profiles in most of West Virginia but not every location. When comparing quotes, it’s always a good idea to obtain offers from at least three providers. That way, you get a good idea of how much home insurance costs for you.
3
Make Sure the Company Has Coverages You Want in West Virginia
You may find some home insurance companies advertising attractive coverages and discounts. However, they may not be available in every state. Confirm with the home insurance provider if they offer the discounts and coverages you’re looking for in West Virginia.
4
Double-Check Financial Stability Ratings
It’s important to check an insurance company’s financial stability. Large insurers are usually more financially stable compared to regional providers.
FAQs About the Best Home Insurance in West Virginia
The best home insurance in West Virginia depends on your preferences and profile as a homeowner. MoneyGeek answered some frequently asked questions to help you know more about homeowners insurance in West Virginia.
Methodology
MoneyGeek scores for homeowners insurance in West Virginia were calculated by using a scaled and weighted average of J.D. Power Property Claims and Customer Satisfaction Scores, real homeowners insurance quotes and financial stability ratings from A.M. Best. Our scoring system weighted J.D. Power scores 60%, affordability 30% and financial stability 10%, adjusting weightings in the sections focused on affordability and service experience specifically.
MoneyGeek analyzed homeowners insurance quotes from the top insurance companies in West Virginia that were provided in partnership with Quadrant. Our analysis includes quotes from ZIP codes across West Virginia. Quotes were gathered with an average home profile of 2,500 square feet, built in 2000, with an average dwelling coverage value of $100,000, liability coverage of $100,000 and personal property coverage of $100,000.
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