Renters Insurance in West Virginia: Get the Best Rates!

We’re not shy about saying the mountain state is absolutely almost heaven. The state’s motto is “Montani Semper Liberi”, which means, “A mountaineer is always free.” And free they are – the hills that crescent West Virginia signifies the spirit of autonomy and personal reliability that all West Virginians share. It’s such a great place to raise a family, and we feel lucky our home state of Ohio is such a close neighbor.

At Insurance Geek, we love working with West Virginians to provide the best possible renters insurance at affordable rates. Though the rents are mostly decreasing throughout the state of West Virginia over time and the state itself is subject to many young people moving away, the families that continue to live in the state sustain the rental market. It’s important that you and your family are protected, and we also want to make sure to protect our college students at universities like WVU, Marshall University, and West Virginia State.

Do I have to have Renters Insurance in West Virginia?

Regardless of the state law mandating that renters must hold insurance, any landlord or property owner can decide you need to have renters insurance before you sign a lease. It’s just a good investment to make sure that if there’s an accident or an emergency, you’re completely covered.

Landlords in West Virginia typically ask you to have at least $10-20k in insurance coverage total, and we recommend much more than this in the case of medical liability. If someone is injured in your home, and you’re liable, the costs to you can be astronomical – so it makes sense to work with us to get the right protection so you’re not left out of pocket with major costs to recoup. We run quotes every day and can help you get the best protection possible.

Even in the event that your rental property owner or landlord doesn’t require renters insurance, it’s a lot more affordable than you might think. Typical policies can cost less than most folks’ coffee habits or restaurant meals monthly, which makes it a worthwhile investment to make sure your property is protected.

How much will my premiums be?

A lot goes into how we calculate your premiums. Primarily, we look at your location and materials that your home is constructed from. Newer homes are likely to be more in line with modern building and safety codes, so it just makes sense the premiums would be lower if you’re living in a newer home. Whether you live in the suburbs or in an inner-city metro also matters, and it matters if there is a business on or near the premises where you rent. The closer you are to the inner-city and the closer you are to a business where there is a possibility of theft, the higher your premiums will be.

If you have recent rental claims or a lower credit score, this could also negatively impact the amount of premium you will pay. Living far away from the nearest firehouse or from a stable source of water can increase your premiums, and you can offset increases by working with your landlord to ensure that your property has safety features such as burglar alarms or even perimeter cameras or fences.

Here are some of the major cities in West Virginia we cover. Check with us, and we’ll run a quote for your specific West Virginia city.

  • Charleston
  • Huntington
  • Parkersburg
  • Wheeling
  • Morgantown

What will be covered?

Winters in West Virginia can be super brutal. In an area like southern West Virginia’s New River Gorge, power lines and power grids can be hidden deep in wintry canyons that make it difficult for electric repair.

West Virginia is also no stranger to catastrophic thunderstorms and tornadoes. Typically, mountain ranges stop severe weather from getting to a tornadic point, though the state has been known to see some supercell activity that results in damaging twisters.

Even in rural towns, high crime areas can be present in West Virginia. If you live in an area where criminal activity or theft is high, you will pay more in your premiums, even if you’re located in a rural area. Make sure to check with us about how to save on premiums, and we can help offset some of the costs with a bundle or other discounts.

How much coverage do I need?

It’s a good idea to talk to us about the rental insurance coverage limits for the specific carrier you’re looking at most favorably. Coverage limits to vary from carrier to carrier and from state to state, so we can work with you to help make sure you are protected no matter how your property is damaged. 

Also, make sure to talk to us about replacement cost vs. actual cash value when it comes to your renters insurance policy so we can help you understand the best ways to recover or repurchase property after a loss.

Are there discounts for me?

You’ve likely seen TV commercials about bundling. Carriers absolutely love it when you bundle, and they want you to get as many insurance lines from them as possible so they can do more business with you and can rely on you as a loyal customer. The more lines you open, the more your savings generally increase. You can also save by paying your policy in full before it even starts. Check with us for other ways to save.

How easy is it to get insured?

There’s just something about West Virginia. We love the state, and we love working with our renters they are to get them the best possible policies at rates they can afford. The more we are able to provide top-of-the-line insurance quotes to our customers, the more they will keep coming back to work with us on additional policies – and repeat business where we work with the same families over and over again is so meaningful to us.

We can insure the vast majority of West Virginians who come to us, even if they have prior claims. We love to get you connected with the best possible West Virginia renters insurance we can find you, and just filling out our form one simple time will generate a variety of quotes.