Average homeowners insurance cost in Huntington, West Virginia

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In Huntington, homeowners pay an average annual rate of $2,008 for a coverage level that includes $300,000 for dwelling, $100,000 for liability protection, and a $1,000 deductible, according to our data. This is $574 less than the national average of $2,582 .

Homeowners insurance premiums can vary significantly from one property to another. In Huntington, the cost of home insurance is influenced by several factors, including:

The size of your home
The age of your home
The amount of coverage you need
Where you live
Your credit score

Allstate is the cheapest homeowners insurance company in Huntington with an average annual premium of $1,394 per year.

This guide covers everything from available coverage options to companies with the cheapest homeowners insurance rates in Huntington. Keep reading to learn about the monthly cost of homeowners insurance in Huntington, the cost for different dwelling coverage levels, and which companies provide the most affordable home insurance in Huntington.

Key Takeaways

Homeowners insurance costs $2,008 per year in Huntington.
At $1,394 per year, Allstate offers the cheapest homeowners insurance in Huntington.
Your home insurance rates increase by $466 more annually if you increase your dwelling coverage from $200,000 to $300,000.

Average homeowners insurance cost per month

How much you pay for a homeowners insurance policy depends on the value of your home, your location, and the coverage options you select.

Homeowners in Huntington pay an average of $167 per month. It’s $10 more than the state average of $157 and $48 less than the national average for home insurance across the nation.

Average homeowners insurance cost for a $200,000 house

Homeowners insurance with $200,000 in dwelling coverage and $100,000 in liability protection costs about $1,542 per year in Huntington. Your rate can vary based on a number of factors, especially the risk of natural disasters in your area. Places more prone to floods, hurricanes, or tornadoes often face higher rebuilding costs, which leads to higher insurance premiums.

It is important to note that your insurance plan may not cover flood or hurricane damage. So, if you live in an area prone to flooding, consider buying flood insurance coverage.

Average homeowners insurance cost for a $300,000 house in Huntington

According to a rate analysis by Insure.com, homeowners in Huntington pay an average of $2,008 per year for a $300,000 house. These rates are for the coverage limits of $100,000 for liability protection and $1000 deductible.

If you increase your dwelling coverage from $200,000 to $300,000, you’ll have to pay $466 more a year for home insurance. It would be best to buy enough insurance to cover the full cost of rebuilding your home.

However, the amount of dwelling coverage you need may vary depending on the size of your home, its features, and the cost of living in your area.

Average homeowners insurance cost in Huntington by company

Among the carriers we analyzed, Allstate is the cheapest homeowners insurance company in Huntington. Its average annual rate for Huntington homeowners is $1,394 , while Automobile Club MI (AAA) ranks second.

Before picking a homeowners insurance policy, it’s a good idea to do a little homework on the company. To make it easier, our experts reviewed all the top insurers in Huntington and put together a list of the most affordable options. Below, you’ll find the average annual premiums for each provider in the area.

Home Insurance Company	Annual rate
Allstate	$1,394
Automobile Club MI (AAA)	$1,719
State Farm	$1,825
Erie Insurance	$1,946
Westfield Insurance	$2,727
Progressive	$3,276
Nationwide	$1,769
USAA*	$1,407

*USAA is only available to military community members and their families.

Bundling your home insurance with other policies, such as auto insurance, can result in substantial savings. Many insurers offer discounts to policyholders who combine multiple policies. It will help you lower your premiums and simplify policy management.

Natural disasters in West Virginia that can impact your home insurance

Living in West Virginia comes with the threat of natural disasters, which can cause significant damage to homes and property, often resulting in costly insurance claims. Understanding which natural disasters are most common in your area is essential when selecting a home insurance policy.

By knowing the specific risks in your region, you can make informed decisions about coverage limits, deductibles, and whether you need additional protection. That knowledge ensures you’re not left underinsured when disaster strikes and protects your financial well-being in the long run.

West Virginia is commonly affected by Landslide.

How home insurance protects you against natural disasters

Home insurance is an essential safeguard for your financial well-being, offering protection if you’re affected by a natural disaster. Natural disasters can lead to costly damage, but the right policy can help cover the cost of repairs, sparing you from major out-of-pocket costs. In many cases, home insurance also pays for temporary living expenses if you can’t live in your home.

However, not all natural disasters are covered under a standard home insurance policy. For example, flood and earthquake damage are excluded and require separate coverage. That’s why it’s so important to understand the specific natural disaster risks in your area. By doing so, you can choose a policy that truly protects your home – and your finances – from the threats that are most likely to affect you.

Pro tip: Review your policy annually

There’s little time to prepare for a natural disaster, and it’s too late to make changes once a storm is on the radar. Make sure your homeowners insurance includes coverage for the types of disasters common in your area. Standard policies don’t always cover everything, like flood damage, so double-check exclusions and consider add-ons if you need them.

Methodology

Insure.com, with the help of Quadrant Information Services, gathered data for homeowners insurance rates in Huntington for $300,000 dwelling coverage and $100,000 liability coverage with a $1000 deductible. The data presented are those with a good credit tier alignment.

Shivani Gite

Contributing Writer

Shivani Gite is a personal finance and insurance writer with a degree in journalism and mass communication. She is passionate about making insurance topics easy to understand for people and helping them make better financial decisions.