Renters insurance costs only a few dollars per month, but it can save you thousands and provide peace of mind in case you experience a fire.
Compare Renters Insurance Quotes from Providers in West Virginia
The cheapest renters insurance we found in West Virginia was $15 per month, but we don't recommend buying coverage based on price alone. Read on for our top pick, plus alternative recommendations for specific situations.
Best renters insurance for most people: State Farm
- Below-average cost
- Dependable service
- Unimpressive coverage options
State Farm is our recommendation for renters insurance in West Virginia because it has the best overall mix of affordability, customer service and coverage options.
The average price for renters insurance from State Farm in West Virginia is $17. That's 14% less than the average across all the companies we looked at, though it wasn't the cheapest overall.
Customer service from State Farm is very well-rated. It has a 0.38 complaint index from the National Association of Insurance Commissioners (NAIC). That means it's received only 38% as many complaints as a typical insurer of its size. That's the second-best rating among any insurer we considered.
The only possible downside to State Farm is its mediocre mix of optional coverages. While it provides the basics and a few extras like valuable items coverage and extended liability, it's missing other useful features like replacement cost coverage and identity theft protection.
The cheapest option: Allstate
- Cheapest option statewide
- Unimpressive coverage and service
For renters looking to save as much money as they can on their renters insurance, we recommend Allstate. It consistently had the lowest prices for renters insurance in West Virginia — just $15 per month. That's 22% less than the average we found, but only $2 less per month than our main pick.
However, you'll make some compromises to get that lower price. Allstate only has two coverage options beyond the basics: identity theft protection and extended liability. That's fewer than our main pick, as well as our upgrade option, Nationwide.
Customer service is only OK at Allstate. It has an NAIC complaint index of 0.51. While that means it's received only 51% as many complaints as other insurers nationwide, that's a poorer score than either of our other top picks.
Premium coverage and service at a price: Nationwide
- Lots of coverage options
- Great service
- Above-average prices
For renters who are willing to spend more for the best coverage options and service, we recommend Nationwide. While it's one of the more expensive options in West Virginia, it has great coverage options and customer service.
The average price at Nationwide is $22 per month. That's 16% more expensive than the average rate statewide, and $7 more than the cheapest option.
However, Nationwide has the best selection of coverage options of any insurer we looked at. It's the only company we considered that has water backup coverage, for example. It also has more common options like identity theft protection and replacement cost coverage.
Nationwide's customer service is also well-liked. Its NAIC complaint index is the lowest we saw in West Virginia, at just 0.35. That means that Nationwide customers file complaints only 35% as often as a typical insurance customer.
How we chose the best renters insurance companies in West Virginia
To find the best renters insurance companies in West Virginia, we used three key metrics: affordability, coverage options and service.
- Affordability: Does the insurer offer affordable rates compared to other companies?
- Coverage options: Does the insurer have a good mix of coverage options?
- Customer service: Are customers usually satisfied with the service they receive?
Affordability: Finding cheap renters insurance in West Virginia
The average cost of renters insurance in West Virginia is $19 per month, but we found a significant range in prices across insurers. The cheapest insurer, Allstate, costs only $15 per month on average, but the most expensive, Liberty Mutual, costs $23. Allstate is 35% cheaper, and switching would save you about $60 per year.
% difference from average
Our selected levels of coverage were:
- Personal property coverage: $30,000
- Liability coverage: $100,000
- Medical payments coverage: $1,000
- Deductible: $500
- Loss of use: $0
Coverage options: Comparing renters insurance policies and benefits
Everyone needs different coverage from their renters insurance policy, so we recommend insurers that have a lot of coverage options available. Here are a few key coverage options to look out for, if you need them:
- Replacement cost coverage: Pays for the full cost to replace a destroyed or stolen item, without considering depreciation.
- Valuable items coverage: Increases coverage for high-value items like jewelry, musical instruments or electronics, which may have limited or no coverage under a standard policy.
- Extended liability: Increases liability coverage limits beyond what is typically available.
- Identity theft coverage: Pays for costs associated with having your identity stolen, such as legal fees or lost wages.
In addition, all the companies we looked at offered all the following basic coverages. If an insurer you're considering doesn't offer these, we recommend going with a different company.
- Personal property coverage: Pays to repair or replace property that's stolen or damaged due to a covered peril.
- Additional living expenses: Pays for a hotel or other temporary living expense if your home is uninhabitable due to a covered claim.
- Liability coverage: Pays for financial damages you're responsible for, such as if your dog damages someone's rug.
- Medical payments coverage: Pays for medical expenses others incur as a result of injuries they receive at your home, regardless of who is at fault. Pays out before liability coverage.
Customer service: Evaluating insurer quality in service and claims
Strong customer service is essential when choosing a renters insurance company. It means you'll be paid promptly after you file a claim, and have your questions answered while you're buying a policy.
To evaluate customer service, we consider three main sources: the NAIC's complaint index, J.D. Power's consumer satisfaction survey ratings and AM Best's financial strength ratio (FSR).
NAIC complaint index
J.D. Power rating
AM Best FSR
- NAIC complaint index: This number compares the number of complaints an insurer has received with its size. A smaller number indicates fewer complaints, and the national average score is 1.00.
- J.D. Power rating: This score out of five is based on a national survey of renters insurance customers asking how satisfied they are with their insurer.
- AM Best FSR: This letter grade evaluates the overall financial health of an insurer. Grades range from A++ to D, and a better grade means that the insurer has a better ability to pay out claims, even in times of high claim demand or a negative economic climate.
West Virginia renters insurance: Costs by city
Where you live is one of the major factors that influence renters insurance costs. The size of your city, how susceptible it is to natural disasters and how much crime there is can all impact rates in your city.
Here's a city-by-city breakdown of the cost of renters insurance in West Virginia.
% difference from state average
Renters insurance costs also vary by state; to see how West Virginia rates compare to other states, see our national comparison of renters insurance costs.
We collected sample insurance rates from four top renters insurance companies in West Virginia across 25 major cities. All quotes are for our sample renter profile of a 30-year-old man who lives alone and has not made any recent renters insurance claims.
He's protected himself with $30,000 of personal property coverage with a $500 deductible, plus $100,000 of liability protection.