Best Homeowners Insurance in West Virginia

The best home insurance companies in West Virginia are State Farm, Erie, Westfield, Nationwide and Allstate. Nationwide ranks first for coverage options, Westfield leads in affordability, and Erie stands out for customer service. Compare all our top picks below.

*Our ratings consider various combinations of coverage levels, home features and homeowner details to identify the best overall options. Rankings may differ based on your specific profile. The tables below use the same methodology.

Though our rankings reflect the best overall providers, what’s best for you may differ based on your home type or personal needs. Below, we highlight the top insurers across major categories.

Home insurance provider rankings in West Virginia cities vary widely based on affordability, local customer service and available add-on coverage options. For instance, State Farm ranks best in Charleston with a MoneyGeek score of 87. We've outlined the top options for each city to help you choose the best provider for your location.

Explore the top home insurance providers in West Virginia in terms of affordability, customer service, and coverage options to help you make an informed choice.

State Farm is the most affordable home insurance provider for most West Virginia homeowners. It also ranks above the national average in customer service, placing seventh in customer satisfaction and eighth in claims satisfaction, according to J.D. Power. Also, State Farm offers unique add-ons like underground utility coverage and extended replacement cost reimbursement to cover potential increases in repair costs.

Erie provides exceptional customer service in West Virginia, ranking fourth nationwide for customer satisfaction by J.D. Power and receiving fewer complaints than expected for a company its size, according to the National Association of Insurance Commissioners (NAIC). They also stand out by including guaranteed replacement cost coverage as standard in their base policies at no extra charge, which pays to rebuild your home even if costs exceed your dwelling coverage limits due to inflation or material price increases.

Nationwide offers the most affordable home insurance for new West Virginia homeowners. The company provides unique add-ons like better roof replacement and doubled dwelling coverage limits. Nationwide ranks eighth overall and fifth in claims satisfaction in J.D. Power's customer service ratings.

Use this guide to help you find the right coverage for your home.

State Farm, Erie and Westfield are the best homeowners insurance providers in West Virginia. Still, shopping around and reviewing coverage details help you choose the right insurer.

Here are answers to key questions to help you choose the right home insurance provider in West Virginia.

Shopping for home insurance in West Virginia can be tough due to weather risks and high replacement costs. We know you need to balance cost with reliable coverage. We built our methodology to rate providers based on affordability, service quality and the specific add-ons that cover homes in your region.

How We Scored the Best Companies

We rated the best homeowners insurance providers in West Virginia based on three core factors. This approach ensures our top picks offer reliable value, not just the cheapest price.

• Affordability (55%): Providers scored higher if they were more affordable across various factors. We also evaluated the range of discounts offered.
• Customer satisfaction (30%): Scores reflected ratings from sites like Trustpilot, app reviews, and industry sources like J.D. Power. This included the buying process, policy management and claims handling.
• Coverage (15%): We assessed the number of add-on options, unique features and availability by state.