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    West Virginia homeowners insurance

    back patio of a home

    In the heart of Appalachia, the aptly named Mountain State welcomes residents home with pristine natural beauty and a big helping of comfort food. From the great outdoors to the small-town charm of cities like Charleston and Huntington, West Virginia offers a bounty of opportunities for recreation and relaxation alike. And if you find yourself following those country roads to a home of your own, you’ll want to make sure you’re protecting it for the long run. Keep it safe with flexible, reliable homeowners insurance from Nationwide.

    Explore homeowners insurance coverage options in West Virginia and protect yourself and the things that matter most, all while finding new ways to save.

    West Virginia homeowners coverages and discounts

    Bundle your insurance policies and save money

    Want to save even more? You can save up to 20 percent when you bundle your home and auto insurance with Nationwide. That’s more money for your next fishing trip, home improvement project or anything else you’ve been saving for. You can also bundle other coverages such as boat and auto, multicar, and auto, home and life insurance. Get all the coverage you need in one place and save more of your money to enjoy everything West Virginia has to offer.

    Start your quote

    What factors go into determining a homeowners insurance rate?

    While the average cost of homeowners insurance varies based on a number of components, these are common factors that insurance companies use to assess risk and determine your rate:

    Location

    Location includes the state, ZIP code, and claims history of the area.

    Construction

    The materials that were used to build the house. If a custom home is being built additional coverage may be required to cover the construction site.

    Age of the house

    How new or old the house is, and the upgrades that were made to an older home.

    Replacement cost

    The replacement cost is the cost of fully rebuilding the same house. This is typically assessed by an appraiser.

    Swimming pool

    Owning a swimming pool may increase your liability coverage to cover possible injuries.

    Home-based business

    If you a run a business out of your home your premium may increase to cover the inventory, equipment, and supplies.

    Coverage

    The type of coverage you choose and how much personal property and liability protection you want your home insurance policy to cover.

    Save up to 20% when you bundle home and car insurance with Nationwide.
    Get free quote

    Get homeowners insurance review

    A Nationwide On Your Side® Review is a free, annual consultation and insurance assessment that can help you:
    • Increase or decrease your deductible(s)
    • Determine the home insurance coverage options that are right for your budget and situation. For instance, did you recently build a garage or gazebo you need covered? Have you installed a protective device that could qualify you for a discount? The On Your Side® Review is a great time to make these types of updates to your policy.
    • Review our responsive home insurance claim policy
    Call Nationwide at 1-888-891-0120 and get your West Virginia homeowners insurance quote today.

    Nationwide coverage in West Virginia

    Auto insurance

    Find auto coverages and discounts for your state.

    Renters insurance

    Find renters coverages and discounts for your state.

    Motorcycle insurance

    Find motorcycle coverages and discounts for your state.

    On Your Side® Review

    Make sure your insurance keeps up with your life.

    Insurance terms, definitions and explanations are intended for informational purposes only and do not in any way replace or modify the definitions and information contained in individual insurance contracts, policies or declaration pages, which are controlling. Such terms and availability may vary by state and exclusions may apply.