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.
Best Homeowners Insurance in West Virginia
Updated: June 24, 2025
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Key Takeaways
According to our 2025 research, the top three home insurance providers in West Virginia are State Farm, Erie and Westfield.
State Farm offers the best overall home insurance for most homeowners in West Virginia. However, if you live in a high-fire-risk area or have a claims history, Erie could be a more suitable option.
To choose the best option, determine your coverage needs, research costs and company details, and compare multiple quotes.
Who Are the Best Home Insurance Companies in West Virginia?
| State Farm | 82 | 2 | 2 | 3 |
| Erie | 81 | 5 | 1 | 2 |
| Westfield | 78 | 1 | 5 | 3 |
| Nationwide | 76 | 3 | 3 | 1 |
| Allstate | 68 | 4 | 4 | 3 |
*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.
Best Homeowners Insurance Companies by Category
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.
| State Farm | 82 | Overall |
| State Farm | 80 | Older Homes |
| Erie | 88 | Newer Homes |
| Erie | 85 | High-Fire-Risk Areas |
| State Farm | 82 | Bad Credit |
| Erie | 84 | With Claims History |
Best West Virginia Home Insurance by City
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.
| Charleston | State Farm | 87 |
Best West Virginia Home Insurance Reviews
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: Best for Affordability
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.
Data filtered by:Results filtered by:
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Coverage Level:$250K Dwelling / $125K Personal Property / $200K Liability
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Deductible:1000
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Credit Tier:Good
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Claims History:Claim free for 5+ years
| Newer Homes | $98 | $1,175 |
| Newer Homes in High-Fire-Risk Areas | $98 | $1,175 |
| Older Homes in High-Fire-Risk Areas | $163 | $1,952 |
| Older Homes | $163 | $1,952 |
Erie Insurance: Best for Customer Service
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.
Data filtered by:Results filtered by:
Select
Coverage Level:$100K Dwelling / $50K Personal Property / $100K Liability
Select
Deductible:1000
Select
Credit Tier:Below Fair
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Claims History:1 claim in past 5 years
| Newer Homes | $186 | $2,238 |
| Newer Homes in High-Fire-Risk Areas | $186 | $2,238 |
| Older Homes in High-Fire-Risk Areas | $309 | $3,713 |
| Older Homes | $309 | $3,713 |
Nationwide: Best for Coverage
For new homeowners in West Virginia, Nationwide is the most affordable option for home insurance. Its extensive coverage includes unique add-ons like better roof replacement and doubling dwelling coverage limits. Nationwide's customer service is strong, ranking eighth overall and fifth in claims satisfaction, according to J.D. Power.
Data filtered by:Results filtered by:
Select
Coverage Level:$250K Dwelling / $125K Personal Property / $200K Liability
Select
Deductible:1000
Select
Credit Tier:Good
Select
Claims History:Claim free for 5+ years
| Newer Homes | $63 | $753 |
| Newer Homes in High-Fire-Risk Areas | $80 | $962 |
| Older Homes | $115 | $1,380 |
| Older Homes in High-Fire-Risk Areas | $147 | $1,763 |
How to Find the Best Home Insurance in West Virginia
Selecting the ideal insurance plan can be tricky, so we've provided a guide to help you find the best coverage for your needs.
- 1
Determine your coverage needs
Before choosing a home insurance policy, decide on the coverage level you need. Think about your home's value, your personal belongings and local risk factors that might affect your coverage.
- 2
Research costs and discounts
Determine how much home insurance costs in West Virginia to see if providers truly offer savings. Also, check for discounts you qualify for to maximize your savings.
- 3
Find the best providers for you
After researching coverage and costs, narrow your search for the best and cheapest home insurance in West Virginia. Use guides and personal research to evaluate customer service ratings, pricing and suitable coverage add-ons.
- 4
Compare multiple providers through all means
With your research complete, compare providers to find the best option. Check quotes through various methods, as online estimates may differ from those given by brokers or agents over the phone.
Best Homeowners Insurance in West Virginia: Bottom Line
State Farm, Erie and Westfield are the best-rated homeowners insurance providers in West Virginia. Still, shopping around and reviewing coverage details can help you choose the right insurer for your specific needs.
Best Home Insurance in West Virginia: FAQ
We've gathered answers to key questions to help you choose the right home insurance provider in West Virginia.
Which company is best for home insurance in West Virginia?
State Farm is the best homeowners insurance provider in West Virginia, offering a mix of affordability, exceptional customer service, and comprehensive add-on coverage. Erie, Westfield, Nationwide, and Allstate are other top-rated options in West Virginia.
Who has the most affordable homeowners insurance in West Virginia?
Affordability in homeowners insurance in West Virginia hinges on your unique circumstances and property details. In West Virginia, the average cost of homeowners insurance is $940 annually.
How do you get the best homeowners insurance in West Virginia?
To find the best home insurance in West Virginia, decide on your coverage needs, research costs and providers, and compare multiple options.
How We Decided the Best Home Insurance in West Virginia: Our Methodology
We rated the best homeowners insurance providers in West Virginia using this methodology:
- 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 were based on 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.
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
Passionate about economics and insurance, he aims to promote transparency in financial topics and empower others to make confident money decisions.
sources
- Amica. "Get a Platinum Choice Home Quote." Accessed June 19, 2025.