Allstate, State Farm and Westfield are West Virginia's best affordable renters insurance companies. Allstate ranks top for affordability at $15 monthly. State Farm has the best customer reputation, while Nationwide offers the most extensive coverage options.
Cheap Renters Insurance in West Virginia
Updated: May 6, 2025
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Key Takeaways
Allstate is West Virginia's best overall and cheapest renters insurance company, with annual rates starting at $180.
West Virginia renters insurance costs about $17 monthly, ranging from $15 to $36.
To find affordable renters insurance, determine your needs first, research costs and compare multiple quotes.
West Virginia Renters Insurance Quote Estimates
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Rates updated:
Jun 06, 2025
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Best Cheap Renters Insurance Companies in West Virginia
| Allstate | 85 | $15 | $180 |
| State Farm | 80 | $23 | $277 |
| Westfield | 75 | $19 | $227 |
| Nationwide | 74 | $30 | $359 |
| Erie | 69 | $36 | $437 |
*Rates based on good credit, no claims history, $50K property damage, $100K liability coverage, $1,000 deductible and guaranteed replacement.
Compare Personalized Best Cheap Renters Insurance in West Virginia
Our list covers most renters, but your ideal options may differ. Use this filterable table to find the best option for your profile in West Virginia.
Data filtered by:Results filtered by:
Select
Coverage Level:$50K Personal Property / $100K Liability
Select
Deductible:1000
Select
Claims History:Claim free for 5+ years
Select
Contents Replacement:Yes
Select
Credit Tier:Good
| State Farm | 89 | $14 | $170 |
| Westfield | 75 | $15 | $178 |
| Allstate | 72 | $16 | $192 |
| Erie | 70 | $17 | $210 |
| AAA | 56 | $18 | $217 |
Best West Virginia Renters Insurance Review
The section below details our top pick for affordability, customer service and coverage options for West Virginia renters insurance.
Allstate: Best Cheap Overall
pros
Lowest rates
Less affordable for low coverage
Large discount selection
cons
Lower-than-average customer satisfaction
Standard add-on coverages
COMPANY HIGHLIGHTS
Allstate offers West Virginia's best affordable renters insurance. Despite lower customer satisfaction, its rates are below average at $15 monthly.
Average Cost of Renters Insurance in West Virginia
The average cost of renters insurance in West Virginia is $200 per year, $42 lower than the national average of $242. These rates reflect a policy with $50K personal property coverage, $100K liability limits and a $1,000 deductible, though your rates may vary based on your profile.
Use the table below to filter factors affecting renters insurance rates and find average rates for your profile.
Data filtered by:Results filtered by:
Select
Coverage Level:$50K Personal Property / $100K Liability
Select
Deductible:1000
Select
Claims History:Claim free for 5+ years
Select
Credit Tier:Good
Select
Contents Replacement:Covered
| $50K Personal Property / $100K Liability | $17 | $200 |
West Virginia Renters Insurance: Buyer's Guide
Finding the best and cheapest renters insurance in West Virginia can be challenging. This guide helps you get the best coverage at an affordable price.
How to Find the Best Cheap Renters Insurance in West Virginia
Follow these steps to find coverage that meets your needs and budget:
- 1
Know your coverage needs
Before shopping, determine how much coverage you need. List your belongings and their value. Consider local risks like weather damage, crime rates and pet-related liabilities.
- 2
Check costs and discounts
Research average prices for your situation. This helps you spot good deals when comparing quotes. Ask about discounts you might qualify for.
- 3
Research providers
Compare providers' reputations, costs and coverage options. This narrows your search to the most promising companies.
- 4
Consider bundling
Ask about combining renters and auto insurance with your current provider. Bundling often saves enough to offset much of your renters insurance cost.
- 5
Get multiple quotes
Compare at least five quotes with similar coverage. Use comparison websites, company sites, brokers and agents to find the best rates.
- 6
Review yearly
Insurance rates change often. Check prices annually to ensure you still have the most affordable coverage.
How Much Renters Insurance Do I Need in West Virginia?
West Virginia law doesn't require renters insurance, but most landlords will likely require at least $100K in liability coverage. Requirements may vary based on your rental history, credit and pets. Consider how much property you want covered, weather risks, local crime rates and pet ownership.
Use our calculator below to determine your ideal personal property limits so you know how much renters insurance you need.
Personal Property Coverage Calculator
When figuring out how much renters insurance you need, experts recommend the standard $100,000 in liability insurance and enough personal property protection to cover your possessions. Use MoneyGeek's calculator to estimate the value of your possessions so you know how much personal property coverage to buy.
clothing & accessories
Clothes, shoes, bags, belts, hats, gloves, etc.
West Virginia Renter Risk Considerations
Here are risks specific to West Virginia renters and additional coverage considerations:
- Weather risks: West Virginia has a high risk of tornadoes, hurricanes and landslides in certain areas. Standard coverage may not include protection for these threats, requiring a separate purchase.
- Crime risks: West Virginia ranks 46th for property crime and 47th for identity theft and fraud nationwide. Consider add-ons and supplemental property damage coverage.
- Pet ownership: Depending on your pet, consider pet liability coverage. Check how pet coverage works with different providers and whether it's included in standard policies.
- Property types: If you have special tools, valuables, electronics or other structures like a pool that need coverage, standard policies may not suffice. Look for companies with specific add-ons for additional protection.
How Does Renters Insurance Coverage Work?
Renters insurance typically covers property damage, liability and loss of use related to your rental. Add-on coverages can make protection more comprehensive. Common coverage types include:
Coverage Type | Standard or Add-on | Coverage Details |
|---|---|---|
Standard | Reimburses and replaces personal property within your rental up to specified limits. Standard coverage reimburses actual cash value rather than purchase price, unless you have replacement cost coverage. | |
Standard | Covers you if someone gets injured on your property, including medical and legal costs, and is often required by landlords. | |
Additional living expenses | Standard | Covers expenses due to rental home loss, such as meals, lodging and transportation. Coverage is either a percentage of your personal property limits or a flat amount. |
Natural disasters | Add-on | Separate policies for earthquake and flood coverage available with select providers |
Parts/Equipment | Add-on | Separate policies for tools, appliances and utilities in your rental |
Scheduled property | Add-on | Insures specific valuable items up to certain amounts |
Identity theft | Add-on | Protects financially against identity theft, covering stolen funds and legal costs. May include monitoring services. |
Pet liability | Add-on | Protects against injuries caused by your pet on rental property. May be covered in standard policies. |
Modifications | Add-on | Covers non-original rental property parts, including custom additions and modifications |
Food loss | Add-on | Reimburses food lost due to covered incidents |
Best Renters Insurance in West Virginia: Bottom Line
Allstate, Westfield and State Farm offer West Virginia's best and cheapest renters insurance. Allstate stands out for low prices and reliable coverage. While these are good options, compare several companies and quotes to find your best deal.
Renters Insurance in West Virginia: FAQ
Here are answers from our experts to common questions:
What is the cheapest renters insurance company in West Virginia?
Allstate offers the cheapest renters insurance in West Virginia, with an average annual premium of $180 or $15 per month.
What is the best renters insurance company in West Virginia?
Allstate is the best renters insurance company in West Virginia, with a MoneyGeek score of 85 out of 100, due to its excellent balance of affordability, customer service and coverage options.
How much does renters insurance cost in West Virginia?
The average cost of renters insurance in West Virginia is $200 per year or $17 per month, 17% below the national average. Annual premiums range from $180 to $437.
Is renters insurance required in West Virginia?
West Virginia doesn't legally mandate renters insurance, but your landlord may require it. Evaluate your needs and circumstances to determine whether buying a policy is right for you. Reasons to get renters insurance include financial protection against common perils and liability costs of third-party injuries.
How We Found the Best Cheap Renters Insurance Companies
To determine the cheapest renters insurance in West Virginia, we used this base profile:
- $50K personal property coverage
- $100K liability coverage
- $1,000 deductible
- Property replacement coverage
- Good credit score
This determined our affordability score (60% of the total score). Other factors included company size and add-on coverage selections (10%), customer satisfaction score from industry research (25%) and financial strength ratings (5%).
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
- American Red Cross. "Which Natural Disasters Should You Prepare For?." Accessed May 6, 2025.
- Insurance Information Institute. "Facts + Statistics: Identity Theft and Cybercrime." Accessed May 6, 2025.
- U.S. News. "Property Crime Rate." Accessed May 6, 2025.