How you're covered
West Virginia doesn't require homeowners insurance by law, but if you finance your home, your lender may require you to have a homeowners insurance policy in place. Your policy’s coverages are designed to safeguard your property and assets. A typical policy will include the following:
- Dwelling coverage protects your home's structure (roof, walls, etc.) as well as attached structures, like a porch.
- Other structures coverage protects detached structures, such as a fence or shed.
- Personal property coverage protects your personal belongings, including furniture, clothing, and electronics. Certain items, like jewelry, art, and collectibles, are often only covered up to a specific limit so you may want to purchase an endorsement to schedule these items on your policy at the coverage amount needed, also known as "adding a rider.”
- Personal liability coverage protects you financially if you're legally responsible for another person's injuries or damage to their property.
- Medical payments to others pays for medical expenses due to a covered occurrence.
- Loss of use coverage helps cover costs associated with an increase in living expenses, up to your policy's limit, if you're unable to stay in your home while it's being repaired or rebuilt due to a covered loss.
Keep in mind coverage under your policy is subject to exclusions and conditions within your policy. It is important to read your policy to understand the coverage provided.
Learn more about homeowners insurance coverages.
Common claims in West Virginia
Fire and lightning are threats no matter where you live, but Mountaineers also have to worry about freezing weather in colder months. Your homeowners insurance may cover damage to your dwelling and belongings as a result of a sudden and accidental discharge of water from a burst pipe, up to the limits of your policy.
Flooding can be a risk in areas with low elevation or near a large body of water like the Elk River. A flood insurance policy may protect your property and belongings against flood damage.
Helping you save
Progressive offers several discounts to help you save on homeowners insurance policies. Some of the most common discounts include:
- Alarm System
- Quote in Advance
- New Purchase
See more about the home insurance discounts we offer.
How much is homeowners insurance in West Virginia?
Your cost for West Virginia homeowners insurance varies based on many components, including your location, type of home, and coverage limits. Learn more about factors affecting home insurance pricing.
Fast facts about homes in West Virginia
The Old Stone House in Morgantown has a foundation built from the pots of its original owner, John W. Thompson.
West Virginia has an incredibly high homeownership rate of 78.2 percent — almost 8 out of 10 people.
Summersville is home to West Virginia’s most expensive house—a hilltop mansion, listed at $19.5 million.