West Virginia, “The Mountain State,” is the home of the Appalachian Mountains. God covered this state with rivers and other various natural landscapes. While these rivers and different landscapes are beautiful to live near, think of the damages that can occur by living so close to them.
West Virginia residents purchasing a home should understand all the costs associated with their home purchase. Did you know that carriers base the general cost of your insurance on your location? Studies have shown that an average quote for a home of 2,000 square feet in WV is $1110. However, the price can vary around 50%, from the least expensive to the most costly. Read below to find out more about West Virginia homeowners insurance quotes.
Do you know where the most expensive homeowners insurance is? Here are a few things to keep in mind while shopping for a policy in this state. The most expensive cities are all in the Western part of West Virginia. Why? These expensive home insurance prices are due to a lack of access to the main water lines. The lack of water access causes a hazard to firefighters, making their job harder to do. This safety issue will also significantly increase the risk of fire destroying your home or causing more damage than a house close to the waterline. Insurers account for these factors.
| Rank | City | Average Annual Premium | Change vs. State Average |
| 1 | Williamson | 2136 | 51% |
| 2 | Logan | 1791 | 52% |
| 3 | Ripley | 1583 | 36% |
| 4 | Wayne | 1668 | 26% |
| 5 | Madison | 1473 | 27% |
Are you curious about who provides the cheapest homeowners insurance in West Virginia? We all are! Insurance Quote Deals compared Allstate, State Farm, Nationwide, and Amica insurance quotes to a home of 2,000 square feet. So who provided the cheapest rate? Coming in the first place, Amica with an average annual rate of $521 for the sample property above. Our second-place winner was State Farm, with a yearly price of $1128. To decide the best annual rates for your home, shop and compare multiple companies.
Finally, affordable homeowners insurance WV residents can afford! Be sure to carefully shop online for West Virginia homeowners insurance and grab that affordable policy!
Homeowners insurance in WV – City Rates
Charleston
Charleston is the capital and largest city in West Virginia. Population: 51,400 people. The West Virginia salt brines are found beside the Kanawha River, which helped prosper Charleston’s economy.
Huntington
Huntington has a population of 49,138 people. Huntington was the second city to adopt electric streetcars, following San Francisco.
Parkersburg
The first public school for blacks became organized here in 1862. It was the first school south of the Mason-Dixon Line. This city also emerged as a major oil refinery serving nearby oilfields at Volcano and Burning Springs. The Population of Parkersburg is 31,492, making it the third-largest town in WV.
Morgantown
Morgantown is the largest North-Central city in West Virginia. With a population of 30,066, this city is well-known as the home of West Virginia University. The city also built a transit system in the town, the Morgantown Personal Rapid Transit, which has been in use since 1975.
Wheeling
Wheeling is WV’s fifth biggest city. Architects built one of the first suspension bridges in the world in Wheeling in November 1849. The average cost to insure your home in this city is about $954 per year.
Weirton
This small village was once called Holliday’s Cove. The city is now known as Weirton, founded in 1793. Popular culture about Weirton included a photo essay, “Weir’s Weirton, in an issue of Life on September 13, 1937.
Weirton Heights
WV’s seventh-largest city. Weirton Heights is in the northern panhandle in WV. The population of this town is 19,450.
Fairmont
This city is well known for Fairmont University. Moreover, the university receives an enrollment rate of around 4,500 students. The Country Club Bakery is the home of the original pepperoni roll.
Beckley
Famous tourist attractions in this town include Beckley Exhibition Coal Mine and Tamarack. The exhibition coal mine is preserved and offers tours and history lessons on coal mining. The Tamarack is a museum of Appalachian arts and crafts. The cost to build this was 10 million. The city population is 17,614.
Martinsburg
Martinsburg was the center of the railroad industry. The great railroad strike of 1877 began in this city and spread nationwide. This town consists of 17,227 people, making it the largest city in the Eastern Panhandle. Everyone can find affordable WV homeowners insurance easily at Insurance Quote Deals. All it takes is some careful planning.