Short answer: home insurance in West Virginia depends on your ZIP code, coverage level and driver/home profile. Compare free quotes from licensed partners in ~2 minutes. The average annual home insurance premium in West Virginia is about $1,113 (NAIC, 2022); your exact rate depends on coverage and profile.
Updated August 2026
West Virginia home insurance basicsHome insurance in West Virginia is shaped by local weather and rebuild costs. Local requirements and typical premiums vary — get a quote for your exact rate. Statewide average premium:
~$1,113/yr (NAIC, 2022).
Verify with the state insurance department →
Cities in West Virginia
West Virginia home insurance FAQ
How much is home insurance in West Virginia?
The average annual home insurance premium in West Virginia is about $1,113 (NAIC, 2022); your rate varies by city, ZIP, coverage and profile. Compare free quotes from licensed partners.
How do I get cheap home insurance in West Virginia?
Compare multiple carriers, bundle policies, and check local West Virginia discounts. Get free quotes in a couple of minutes.
Also compare auto insurance in West Virginia →