Best Home And Auto Insurance Companies In West Virginia

West Virginia residents can choose from a variety of insurance companies for their home and auto insurance needs. The best companies for an auto and home insurance bundle in West Virginia are State Farm, Nationwide, and USAA, with MoneyGeek scores of 85, 78, and N/A out of 100, respectively. State Farm also offers the cheapest bundle option at $2,027 per year. Other insurance companies in West Virginia include Allstate, Erie, Amica, and The Hartford Insurance.

State Farm: Cheapest option for bundling home and auto insurance in WV

State Farm is the cheapest option for bundling home and auto insurance in West Virginia. With a MoneyGeek score of 85 out of 100, State Farm is the best company for bundling insurance in the state. Its bundle costs an average of $2,027 per year, which is around 23% more affordable than purchasing car insurance and homeowners insurance separately.

State Farm offers a bundle discount of around 23%, lowering the average annual premium to $2,027 and saving customers a whopping $596 on average. State Farm also offers typical add-on coverages like rental car and/or travel reimbursement. That pays for car rental expenses up to a chosen limit and travel expenses up to $500. Additionally, it covers up to $500 in repayment of the deductible for a covered accident in a rental vehicle.

State Farm also offers strong customer service. The company gets fewer complaints than an average company its size, according to the NAIC. It's also one of the best-rated companies in J.D. Power's customer satisfaction survey.

State Farm's average rate is a savings of more than $750 per year off the state average overall. The company's homeowners insurance policies cost an average of $1,050 per year for $350,000 of dwelling coverage. That's $753 per year cheaper than the average price in West Virginia, which is $1,803 per year.

State Farm also has multiple opportunities for customers to save money. You can earn a discount for insuring multiple cars, safe driving, and having airbags and an anti-theft system. Additionally, you may qualify for the company's new home, home renovation, and protective device discounts.

State Farm's biggest downside is that you'll have fewer ways to customize or adjust your policy than with other companies. You might not be able to get replacement cost coverage, which pays to replace your belongings with newer items. You also can't buy a policy entirely online, which some homeowners may not like.

Nationwide: Runner-up for best auto and home insurance in WV

Nationwide is a highly reputable insurance company that offers auto and home insurance in West Virginia. It has a MoneyGeek score of 78 out of 100, which makes it the runner-up for the best auto and home insurance in the state.

Auto Insurance

Nationwide offers comprehensive auto insurance in West Virginia, which can protect you in the event of an accident or unexpected incident. Their auto insurance includes features such as:

• On Your Side® Claims Service: Choose a repair shop from their network and get a written guarantee on the repairs for as long as you own your vehicle.
• Discounts: Nationwide offers various discounts to help lower your auto insurance rates, such as safe driving, student, and anti-theft device discounts.
• On Your Side® Review: Enjoy a free consultation with a Nationwide agent to ensure you're getting the protection you need at a price that's right for you.
• Roadside Assistance: Nationwide offers roadside assistance services such as towing and jump-starting your vehicle.
• SmartRide: Save money on your auto insurance with usage-based insurance.

Home Insurance

Nationwide also provides reliable home insurance in West Virginia, offering protection for your home and belongings. Their home insurance includes:

• Brand New Belongings: Repair or replace your covered possessions, regardless of their age or condition.
• Flexible Coverage Options: Choose from various coverage options to suit your needs, including protection against theft, fire, lawsuits, weather damage, and other covered losses.
• Better Roof Replacement Coverage: This optional coverage allows you to use stronger and safer roofing materials if your roof is damaged by a covered loss.
• Discounts: Nationwide offers bundling discounts when you combine your home and auto insurance, saving you up to 20%.
• On Your Side® Review: A free annual consultation and insurance assessment to help you adjust your deductible, determine the right coverage options, and identify any discounts you may qualify for.

Nationwide combines above-average customer service with affordable rates, making it an excellent choice for those seeking a balance of quality and affordability. They offer unique optional coverages, such as identity theft protection for auto insurance and better roof replacement coverage for homeowners insurance. Additionally, their website and mobile app provide convenient features for managing your policy, filing and tracking claims, and accessing proof of insurance.

USAA: Best option for military members

When it comes to finding the best insurance coverage for your home and auto in West Virginia, there are several factors to consider. One option that stands out, especially for military members and their families, is USAA. Here's why USAA is the ideal choice for those who have served or are currently serving our country.

USAA: The Best Option for Military Members in West Virginia

USAA, or the United Services Automobile Association, has a long and renowned history of serving U.S. military members and their families with top-notch insurance services. Their dedication to those who serve makes them an excellent choice for military personnel in West Virginia looking for comprehensive home and auto insurance coverage.

One of the key advantages of choosing USAA is their specialized understanding of the unique needs and challenges faced by military families. They recognize that military life often involves frequent moves, deployments, and unique housing situations. As such, they offer flexible policies that can adapt to these circumstances. For example, USAA provides coverage for military members who may be temporarily stationed elsewhere, ensuring continuous protection regardless of location.

Their auto insurance policies are equally impressive, offering standard coverage options such as collision, comprehensive, liability, and more. Unique to USAA, however, are features like their "Military Installation Discount," which provides savings for garaging your vehicle on a military base, and their "Storage Discount" for when your vehicle is stored during deployment. These discounts, along with their competitive rates, make them a financially prudent choice.

USAA also shines when it comes to claims handling. They have a streamlined process that is efficient and responsive, with a strong focus on customer satisfaction. Their renowned customer service extends to their home insurance offerings as well. USAA home insurance policies typically cover military uniforms in the event of loss or damage, and they also provide flexible coverage for military members who rent out their homes while on deployment or assignment.

In addition to their insurance services, USAA offers a range of financial products tailored to military members, such as loans, credit cards, and investment advice. This comprehensive approach to financial services makes them a one-stop shop for military families looking to secure their financial future. Their strong financial standing and reputation for reliability mean that policyholders can have peace of mind knowing that their claims will be handled promptly and fairly.

In conclusion, USAA is an outstanding choice for military members and their families in West Virginia seeking home and auto insurance. Their deep understanding of the military lifestyle, competitive rates, specialized coverage options, and exceptional customer service set them apart from other insurance providers. For those who have dedicated their lives to serving our country, USAA is a trusted partner that can provide the protection and peace of mind they deserve.

Erie: Offers guaranteed replacement cost coverage

Erie Insurance is one of the best home insurance companies in West Virginia. It offers guaranteed replacement cost coverage, which means that in the event of a total loss, Erie will pay to rebuild your home with materials of like-kind and quality without limiting the amount to the policy declarations. This is significant because the cost of rebuilding a home can be much higher than its market value, especially in today's housing market, where US home prices have increased by 42% in the last three years.

With Erie's guaranteed replacement cost coverage, you won't have to worry about depreciation deductions or having to pay out of pocket to cover the difference between your insurance payout and the actual cost of rebuilding. This coverage is ideal for those seeking peace of mind and comprehensive protection for their homes.

In addition to guaranteed replacement cost coverage, Erie also offers competitive pricing, a variety of discounts, and reliable claims service. The company has been in business for over 90 years and has a network of local agents who can provide personalized service and help you choose the coverage that best suits your needs.

Erie Insurance also offers auto, business, boat, and life insurance, as well as annuities. Their services are available in West Virginia and 11 other states, plus the District of Columbia.

When choosing a home insurance company, it's essential to consider not only the cost but also the level of coverage and the quality of service provided. Erie Insurance stands out in West Virginia for its guaranteed replacement cost coverage, providing customers with the assurance that their homes will be fully protected in the event of a disaster.

Allstate: Tied for best home insurance company overall

If you're looking for insurance coverage for your home and auto in West Virginia, you've got a number of options to choose from. Several insurance companies offer comprehensive packages to cover all your needs. One of the most prominent and highly-rated companies operating in the state is Allstate.

Allstate is a well-known and trusted insurance provider across the US, and it's easy to see why. With a strong financial backing and a wide range of coverage options, Allstate is an excellent choice for those seeking home insurance in West Virginia. They offer standard coverage options, including dwelling, other structures, personal property, loss of use, and personal liability coverage. Additionally, Allstate provides optional add-ons, such as ordinance or law insurance, which covers the cost of rebuilding your home to current building codes, and water backup coverage, which protects against damage from sewer and drain backups.

One of the standout features of Allstate is their claims process. They offer 24/7 claims service, with a promise to start the process within 24 hours of being notified. You can file a claim online, over the phone, or through the user-friendly mobile app. Allstate also provides a range of resources to help you through the claims process, including a claims checklist and guidance on what to do after an incident.

Allstate also shines when it comes to discounts. They offer a variety of ways to save on your premium, including discounts for new homeowners, those who are claim-free, and customers who bundle their home and auto insurance. You can also save by installing protective devices, being mortgage-free, or being a member of certain organizations. Allstate's 'Welcome Mat' program is also beneficial for those who are moving, offering a discount and a range of resources to make the transition easier.

While Allstate doesn't offer as many endorsements as some other providers, they do have some unique options. In addition to the previously mentioned ordinance or law coverage and water backup coverage, Allstate provides identity theft restoration coverage and electronic data recovery coverage. The latter covers the cost of restoring lost data on your devices, which is a relatively rare but valuable endorsement.

Overall, Allstate is an excellent choice for home insurance in West Virginia. With a strong financial backing, a smooth claims process, and a range of discounts, they offer a comprehensive package that provides great value for money. Their optional endorsements also provide that extra peace of mind, ensuring your home is fully protected. It's no wonder they are consistently rated as one of the best insurance providers in the industry.

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