West Virginia homeowners have something special going for them, and their homes can be some of the most unique in the country. And you deserve to make sure that should something happen to that home, whether it’s a fire, criminal activity, or a natural event, you have a way forward and a way to rebuild. That’s what homeowners insurance is precisely for, and why we think just about every homeowner should get a policy. To help you, we found the cheapest options and provided some additional information below:
Here are the three cheapest homeowners insurance providers operating in West Virginia:
The Three Cheapest Quotes:
West Virginia homes can be many different things and face different threats, so rates won’t be uniform across the state for people. With that in mind, we ask that you consider the following information a general guide.
The number listed next to each provider is the average annual rate for a standard policy.
1) State Farm: $1,425
The most basic option (but certainly not the worst) for homeowners in West Virginia, State Farm is a reliable choice if you just want to get a policy quickly and get out of thinking about much more, or you have a simple home you know won’t need special coverages. One of the largest insurance organizations in the country, they handle millions of policies and efficiently handle any issues or questions you might have.
Yet State Farm also won’t be the first choice for homeowners with more specific needs or preferences in policies. State Farm handles millions of policies, but many of them are the same. You also won’t see many discounts from them, so State Farm might not be the cheapest at the final tally and comparison.
You can expect the following working with State Farm:
- A fantastic online experience, complete with easy access to all the information you’ll ever want about your policy or insurance in general.
- Experience working with customers that can’t be beat, having handles millions of accounts before. Additionally, State Farm is one of the most financially stable insurance providers in existence.
- Plenty of agents available across the state to help you.
2) Nationwide: $1,569
The second cheapest option and in many ways the opposite of State Farm, Nationwide is the choice for homeowners who don’t want or need a simple solution (although they can provide one) and instead are looking for customization options and a policy they can craft themselves. Whatever you need, you can get a good plan from Nationwide you can trust to be enough for your home.
Yet options aren’t always cheap, and the optional coverages Nationwide offers can set you back more than if you were to buy them elsewhere. You may also find only average service when it comes to a few smaller tasks, but found few other major complaints.
You can expect the following working with Nationwide:
- Optional flood, earthquake, water backup, identity theft, and other coverages. Also, enhanced coverages for home replacement and your valuables are available as well.
- An excellent item repair or replacement plan for your damaged or stolen possessions.
- A free regular and optional review to help you make sure you’re getting the best possible policy and one you want.
3) Allstate: $1,965
While Allstate might be quite a bit of a price jump from the first two options, they also might be able to offer you and your home options that you won’t see elsewhere, making them a worthy option for homeowners that have specific coverage needs. Also good for bundlers and owners of older homes, Allstate clearly still has a place on lists of top providers in West Virginia.
Yet when you pay a premium for your homeowners insurance policy, you could and should expect to receive quality customer service. Customers expecting this from Allstate may find themselves disappointed. Agents are not all up to the same level, some are pushy about service upgrades, and you might wait a while for communication.
You can expect the following working with Allstate:
- Great online and mobile apps to make things easy for you.
- Plenty of different discounts available. For example, a discount for remaining claims-free and another for signing up with Allstate before your old policy expires.
- Optional coverages including water backup, garden and landscaping, identity theft restoration, scheduled personal property coverage, business property, and umbrella coverage.
Other Notable West Virginia Homeowners Insurance Providers
4) Liberty Mutual
Able to provide you with a standard policy and customer experience, Liberty Mutual is one of the most widespread insurance providers and generally a reliable company that you can expect to remain stable day in and day out. They usually provide plenty of discount options, and their policies handle most of the common issues your West Virginia home might face. Over the years they’ve built up some goodwill with the customer base.
Where the goodwill ends, however, is when claims are concerned. Customers note that Liberty Mutual will sometimes reject claims other companies would accept, and the process, in general, can be difficult and time-consuming during periods where time is precious and stress levels are high. Be careful and note this important factor in your decision making.
You can expect the following working with Liberty Mutual:
- A helpful library of insurance information.
- Plenty of available discounts, including those for bundling and recently buying a home.
- Different customer support channels and options to allow you to help in the easiest way for you.
5) The Hartford
The Hartford’s homeowners insurance program is in many ways tailored to retirees, so older homeowners may with to take special note of The Hartford’s offerings. With high customer satisfaction rates and high ratings across the board when it comes to stability, The Hartford is a solid choice for anyone that can work with them.
However, the main problem is that most of the time you need to be an AARP member to get a policy from them. This usually means you need to be 50 or older, so many younger homeowners will miss you and would probably want to find another provider anyway.
You can expect the following working with The Hartford:
- Plenty of other insurance types if you’re looking to bundle.
- A very easy claims process and experts are available to help if the loss is great.
- Several different packages, so you can get the coverages you want.
Your West Virginia home, whether you’ve lived there for a few years or for generations, deserves protection and coverage that can only be provided by a homeowners insurance policy. They are affordable and easy to get in the state, and we’re certain that among the providers listed above you can find a partner that you will be satisfied with. Do some more research and consider what your home might face, and there’s no way you can make the wrong choice. We wish the best for your home, your family, and your search.