West Virginia home insurance

Every figure below is sourced and dated. Estimates only — not quotes, and not offers of coverage.

Home insurance premium estimator

What homeowners insurance costs in your state, and whether what you pay is out of line.

Is your dwelling coverage actually enough to rebuild — and what a shortfall costs at claim time.

What a higher deductible really saves, how long it takes to pay off, and what a storm deductible actually costs.

Did your renewal go up more than premiums did across your state — and what to do about it.

All six limits on your policy against what the standard form and regulators say to expect — including the liability limit nobody looks at.

Average premium: $1,755/ yr; At $300,000 of dwelling coverage.
Standard deductible: $1,000; Applies to everyday claims.
Storm deductible: No separate wind, hail, or hurricane deductible is standard in West Virginia — the deductible above applies to storm damage too.
Insurer of last resort: West Virginia Essential Property Insurance Association; West Virginia's FAIR plan - Fair Access to Insurance Requirements - for owners who cannot obtain coverage in the competitive market. It writes essential property insurance only: fire including lightning damage, plus coverage for wind and hail, aircraft, vehicles, smoke and explosion. Liability coverage is NOT included, which is the gap most likely to surprise a homeowner moving from a package policy. Coverage is capped at $200,000 for private dwellings and $500,000 for commercial property - a genuinely binding limit in a rising-rebuild-cost market, and low enough that many West Virginia homes cannot be fully insured to value through the plan. Applicants must first try the competitive market and must maintain the premises within reasonable standards; applications are assessed from submitted documents and photographs and then an on-site inspection that determines insurability and rate. Policies run for one-year terms. Applications go through a licensed insurance agent rather than direct.