Best Renters Insurance West Virginia / Compare Costs & Coverage In WV

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Location is the #1 factor in determining the cost of your renter’s insurance

So it makes a lot of sense for you to search Best Renters Insurance West Virginia if you need a policy. 

However, a West Virginia Renters Insurance search can take a lot of time and leave you frustrated with unanswered questions. 

But, it doesn’t have to be that way. 

Finding cheap WV Renters Insurance can be a simple process that can be completed online today in just a few minutes. 

We’ll review everything you need to know about the cost and coverage's and where to get the best Renters Insurance in West Virginia online.

Update: 2021 West Virginia Renters Insurance Review

Wild, wonderful, and with a low cost of living -- what’s not to love about West Virginia? The question of getting WV renters insurance comes up a lot amongst new time renters. As a new renter, questions arise about whether or not renters insurance is needed, whether or not your landlord is allowed to require it, and what is covered.

The long and short of it is this: in WV, you are not required to have renters insurance. This is good news for many potential renters, but it’s important to think hard about whether or not you’ll want insurance. 

WV renters insurance will cover your personal property in the case of accidental damage in a way that your landlord’s insurance will not. WV renters insurance also protects you on the off chance you accidentally damage your landlord’s property or someone is injured at your premises.

What Factors Determine a West Virginia Renters Insurance Rate?

The biggest factor in determining your WV renters insurance rate is your location. In Wheeling or Charleston, your rate is simply going to be higher as the cost of living gets higher. 

Another factor that makes city living more expensive from a WV renters insurance point of view, which is security. If your building has less security than what your insurance deems is optimal, or if your building is in an area with a higher crime rate, your renters' insurance can go up.

In WV, credit also matters. The better your credit, the more forgiving the insurance rate.

Can A Landlord In West Virginia Require Renters Insurance? 

It doesn’t matter if you live in Huntington, Charleston, or Parkersburg, landlords can be a pain. 

A question we are often asked by soon to be tenants, is, ‘Can a landlord in ?West Virginia require renters insurance?’

The simple answer is Yes. 

If WV renters insurance is included as a requirement in your lease, you must comply with those terms and buy rental coverage. 

This isn’t necessarily a WV thing because the answer to, ‘Is renters insurance required in West Virginia?’ It is the exact opposite. 

No, West Virginia does not require renters insurance, but with 5% of people in West Virginia renting, it makes a lot of sense to protect your self and your stuff. 

A good place to start would be by determining What Is Renters Insurance And Why Do I Need It.

FREE Renters Insurance Quotes - WV - Cities

Location is the biggest factor in determining the cost of your renters insurance.  You can save money by getting a quote from an insurance company near you. 

Select Your City Below

What Is The Best Renters Insurance In West Virginia?

It is estimated that the State of West Virginia has over 86,422 renters, and every one of them should be looking for the best renters insurance in WV

WV has the best renters insurance options offered by multiple, well known, and respected insurance companies. 

It doesn’t matter if you are in Huntington or Charleston to get the best WV renters insurance you will want to get the right coverage.

Several factors go into finding the best renters insurance in West Virginia that will affect your policy. 

Your past insurance history, desired coverage amounts, the location of the rental, and this one may come as a bit of a surprise, but your credit score may also be considered.

You can learn more about the process in our article, How To Get Renters Insurance

Which Companies Offer Renters Insurance In West Virginia?

What Does Renters Insurance Cover In West Virginia

Many WV residents in Parkersburg and Morgantown mistakenly believe that their Landlord’s insurance protects their personal items. 

This is not the case and is the reason you need to know, ‘What does renters insurance cover in West Virginia.’

WV Renters Insurance covers personal loss due to fire, theft, or vandalism. 

A West Virginia Renters Insurance policy will also cover your liability if a guest is injured on-premises or you damage the Landlord’s property. 

A Renters Insurance West Virginia policy does not cover your personal possessions that may break by accident or normal wear or tear. 

Get a much more complete answer to in our article,  What Does Renters Insurance Cover.

Coverage Type

What It Should Cover...

Personal Property

This coverage is for your personal stuff, clothes, electronics, furniture, etc. Should cover up to policy limits.


This will cover you if you accidentally damage your Landlords property or a guest is injured and it is your fault.

Additional Living Expenses

If your place is damaged so bad you can't stay, you will be reimbursed for things like hotel bills.

Recommended Amount Of Renters Insurance In West Virginia?

It is difficult to recommend the amount of West Virginia renters insurance you may need.

This is because the factors that go into deciding on your coverage amounts are particular to each individual. 

Location plays a significant factor in the recommended amount of renters insurance in West Virginia

This is because if you live in Huntington, Charleston, or Parkersburg, you may need more or less based on the value of the property you are renting. 

The bottom line is you should probably buy as much insurance as you can comfortably afford based on the value of your personal possessions. 

We get a lot more in-depth in helping you make this decision in our article How Much Renters Insurance Do I Need.

How Much Is Renters Insurance In West Virginia

The cost of renters insurance in WV depends primarily on your coverage's and the location of your rental. 

Answering the question of, ‘How much is renters insurance in West Virginia’ would be difficult without knowing your personal situation and preferences. 

However, renters insurance West Virginia costs on an average annual basis of $188.00

The average cost of renters insurance in West Virginia monthly is $15.67, which is very affordable. 

Keep in mind to determine how much is renters insurance in WV your rental location could make these average costs much higher or lower.

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Cheapest Renters Insurance WV

It would help if you didn’t live in places like Huntington, Charleston, and Morgantown to get the cheapest renters insurance in West Virginia

Location plays a huge role if you want to get cheap renters insurance WV

That means places like Parkersburg and Parkersburg may be cheaper because the property values should be less. 

Two other factors will help you get the cheap renter’s insurance West Virginia, which includes your insurance claim history and your credit score. 

If you are living in a relatively cheap property with no rental claims and a good credit score, expect the cheapest renters insurance in WV.

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