Charleston Insurance Rates:

Charleston, WV home insurance is approximately $788 to $1,077, about $65-$89/month. Our exhaustive guide shows customers can save upto $373 by getting different quotes

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Read Charleston, West Virginia Homeowners Insurance Reviews & compare quotes to find the best & cheapest home insurance provider.

Charleston Home Owner Insurance Quotes | Write a Review | Rates & Quotes Analysis
Nationwide Insurance
Home Insurance Rate of $340/9 months for $100000-$125000 Coverage
Policy Holder Home Details :

Home Value : $130,000

2 Beds, 2 Bath 1260 sqft Rental Property Constructed In 1974 with Stone Flooring, Membrane Roof, Chainwall Foundation, Fiber-Cement Siding, Metal Frame Construction. Home Features Include Deadbolt Locks, FuseBox Electricals and Security by HomeOnly

About Policy Holder:

30 Years old Single Male who is Unemployed and has 2 Pets and is a Smoker

Additional Details :
  • 0-25% through paying our mortgage

  • 800-850 Credit Score

  • Seniors staying at home

  • Guests at home

Home Insurance Rate of $510/10 months for $200000-$250000 Coverage
Policy Holder Home Details :

Home Value : $180,000

4 Beds, 4 Bath 2010 sqft Rental Property Constructed In 1977 with Carpet over wood flooring, Asphalt Shingles Roof, Crawl Space Foundation, Stone Siding, Stucco Construction. Home Features Include Fireplace, Smoke Alarm, Indoor Sprinklers, Swimming Pool, Circuit Breaker Electricals and Security by Monitoring Company

About Policy Holder:

60 Years old Divorced Male who is Unemployed and has 2 Pets and is a Smoker

Additional Details :
  • 75-100% Mortgage Paid off

  • 700-749 Credit Score

  • Guests at home

Home Insurance Rate of $370/3 months for $400000-$500000 Coverage
Policy Holder Home Details :

Home Value : $360,000

5 Beds, 5 Baths 4250 sqft Seasonal Residence Constructed In 1975 with Carpet Flooring, Composition Roof, Slab Foundation, Wood siding, Wood Frame. Home Features Include Fire Extinguisher, Deadbolt Locks, Copper Water Pipes, Smoke Alarm, FuseBox Electricals and Security by HomeOnly

About Policy Holder:

62 Years old Single Female who is Unemployed and has More than 3 Pets at home and is a Smoker

Additional Details :
  • 50-75% Mortgage Paid off

  • 700-749 Credit Score

  • Seniors staying at home

Home Insurance Rate of $110/3 months for $100000-$125000 Coverage
Policy Holder Home Details :

Home Value : $95,000

3 Beds, 3 Bath 1270 sqft Vacation Property Constructed In 1988 with Hardwood Flooring, Tile Roof, Piers Foundation, Stone Siding, Stucco Construction. Home Features Include Deadbolt Locks, FuseBox Electricals and Security by Monitoring Company

About Policy Holder:

34 Years old Married Male who has a Part Time Job with household income of less than $25,000 and has No Pets and is a Smoker

Additional Details :
  • 0-25% through paying our mortgage

  • 550-599 Credit Score

  • Seniors staying at home

Home Insurance Rate of $340/6 months for $150000-$175000 Coverage
Policy Holder Home Details :

Home Value : $195,000

4 Beds, 4 Bath 2110 sqft Rental Property Constructed In 1947 with Linoleum, Slate Shingles Roof, Crawl Space Foundation, Brick siding, Metal Frame Construction. Home Features Include Deadbolt Locks, Fire Extinguisher, FuseBox Electricals and Security by Monitoring Company

About Policy Holder:

64 Years old Married Male who has a Part Time Job with household income of $25-50,000 and has 2 Pets and is a Non-Smoker

Additional Details :
  • 25-50% Mortgage Paid off

  • 550-599 Credit Score

Home Insurance Rate of $80/2 months for $100000-$125000 Coverage
Policy Holder Home Details :

Home Value : $140,000

2 Beds, 2 Bath 1470 sqft Seasonal Residence Constructed In 1946 with Wood Flooring, Wood Shake Roof, Chainwall Foundation, Stone Siding, Stucco Construction. Home Features Include Copper Water Pipes, Deadbolt Locks, Circuit Breaker Electricals and Security by HomeOnly

About Policy Holder:

68 Years old Married Male who is a Freelancer with household income of $75-$100,000 and has More than 3 Pets at home and is a Non-Smoker

Additional Details :
  • 75-100% Mortgage Paid off

  • 600-649 Credit Score

Home Insurance Rate of $90/5 months for $50000-$75000 Coverage
Policy Holder Home Details :

Home Value : $80,000

2 Beds, 2 Bath 1010 sqft Seasonal Residence Constructed In 1962 with Wood Flooring, Metal Roof, Chainwall Foundation, Vinyl siding, Stucco Construction. Home Features Include Central Air Conditioning, Smoke Alarm, Copper Water Pipes, Circuit Breaker Electricals and Security by HomeOnly

About Policy Holder:

48 Years old Divorced Female who has a Part Time Job with household income of less than $25,000 and has 3 Pets and is a Smoker

Additional Details :
  • 25-50% Mortgage Paid off

  • 600-649 Credit Score

  • Seniors staying at home

  • Guests at home

Home Insurance Rate of $480/4 months for $250000-$300000 Coverage
Policy Holder Home Details :

Home Value : $310,000

4 Beds, 4 Bath 3060 sqft Primary Residence Constructed In 1957 with Wood Flooring, Metal Roof, Crawl Space Foundation, Stucco siding, Stucco Construction. Home Features Include Swimming Pool, Fire Extinguisher, Smoke Alarm, Fireplace, Circuit Breaker Electricals and Security by HomeOnly

About Policy Holder:

50 Years old Divorced Male who is Unemployed and has 3 Pets and is a Non-Smoker

Additional Details :
  • 25-50% Mortgage Paid off

  • 700-749 Credit Score

  • Guests at home

Home Insurance Rate of $40/1 month for $100000-$125000 Coverage
Policy Holder Home Details :

Home Value : $120,000

3 Beds, 3 Baths 1220 sqft Vacation Property Constructed In 1952 with Stone Flooring, Asphalt Shingles Roof, Chainwall Foundation, Stone Siding, Stucco Construction. Home Features Include Fireplace, Indoor Sprinklers, Deadbolt Locks, Circuit Breaker Electricals and Security by HomeOnly

About Policy Holder:

66 Years old Single Female who is a Freelancer with household income of $25-50,000 and has No Pets and is a Smoker

Additional Details :
  • 75-100% Mortgage Paid off

  • 700-749 Credit Score

  • Seniors staying at home

Home Insurance Rate of $760/8 months for $200,000-$250,000 Coverage
Policy Holder Home Details :

Home Value : $235,000

4 Beds, 4 Baths 2610 sqft Rental Property Constructed In 1945 with Carpet Flooring, Metal Roof, Chainwall Foundation, Stucco siding, Wood Frame. Home Features Include Copper Water Pipes, Central Air Conditioning, Fire Extinguisher, Deadbolt Locks, FuseBox Electricals and Security by HomeOnly

About Policy Holder:

48 Years old Single Male who is Unemployed with household income of less than $25,000 and has More than 3 Pets and is a Non-Smoker

Additional Details :
  • 25-50% Mortgage Paid off

  • 600-649 Credit Score

  • Seniors staying at home

Charleston, WV Home Insurance by Zip Code

Zip Code Median Home Value Median Homeowners Insurance
25312 $87,800 $900
25314 $195,700 $990
25304 $174,200 $970
25301 $131,000 $930
25311 $101,100 $920

Charleston Rates & Quotes Analysis:

Charleston Area Estimated House Insurance
Chamnes Ln, Athens Ave, Callie Rd, Baird Dr, Hunt Ave, Co Rte 20, Hinton, Marburn Rd, Titan Dr, Wesley Dr$896
Francis Dr, Old US Hwy 60, Ehman Dr, Westview Dr, Tudor Rd, S St, Mud Lick Rd, 50th St SE, Penn Ave, Poplar St$923
Evergreen Dr, Capitol St, 72nd St SE, Ring Hollow Rd, Hazel Rd, Beacon Ln, Pickford Ct, Mount Alpha Rd, Beulah St, Rose Hill Dr$927
Woodvale Dr, Frog Creek, California Ave, Hunter Rd, Phyllis Dr, McGuffin Dr, Thornhill Ln, Kent St, Co Rte 119/73, Brookstone Rd$930
Lynnhaven Dr, Slacks Branch Rd, Lyndale Dr, Friendly Dr, McCormick St, Co Rte 73/7, Rummelbrown Dr, Quarrier St E, Jane St, Shelton Ave$933
E 5th St, Puckett Dr, Layman Ln, State Forest Connell Rd, Wilkie Dr, Rattlesnake Hollow Rd, Westminister Way, Forest Edge Ln, Potomac St, Aliff Dr$885
Dryden Rd, Biden Dr, Heavenly Dr, Davis Creek, Danner Rd, Viola Rd, 20th St SE, Cross Creek Rd, Claymont Rd, Brynwood Dr$908
Kingston Ct, Pittman Rd, Chandler Dr, King St, Mink Shoal Branch, Mountain Rd, Co Rte 46/3, Walden St, Branch Rd, Draper Dr$900
Columbia Ave, School St, Bare Ln, 4th St E, Floyd Dr, Upper Ridgeway Rd, Quail Pointe Dr, McDonald St, E Donnally Rd, Shellar Dr$898
Edgewood Dr, Young St, Clover Dr, Hermitage Rd, Somerlayton Rd, Kay Ln, Rustling Rd, Newton Rd, Glen Cove Dr, Kinser Rd$952

Insurance rates are influenced by a number of factors including:

  • Year Built: 5,035 Homes (18% of total) built between 1950 to 1959 in Charleston are paying home insurance between $1,755-$1,769 compared to Pinch (+$23), Teays Valley (+$70), Scott (+$20), South Charleston (-$51) and Dunbar (-$69).
  • Bedrooms: 9,401 3 bedrooms homes (36% of total homes ) in Charleston are paying about $979. Areas near to Charleston such as Pinch, Teays Valley, Scott are costlier by $14, $39, $12 respectively whereas South Charleston and Dunbar are more economical by $27, $29 respectively for similar homes.
  • Auto Insurance Bundling: 5,662 Households (39% of all households) in Charleston have 2 vehicles available and when it is bundled with home insurance you can save $186 in contrast with South Charleston ($181), Dunbar ($179), Rand ($175).
  • Senior Discounts: 8,014 seniors (more than 55 years) occupied housing units (56% of total) in Charleston get discounts between $139 to $142. The comparative concessions in proximate regions such as South Charleston, Dunbar and Rand are $136, $134 and $131 respectively.
  • New Homes discounts: New homes such as the 7,370 homes built between 2000 to 2009 in Charleston can save $186 and similar new home insurance discounts in nearby towns and cities like South Charleston, Dunbar and Rand are $181, $179 and $175 respectively.

Charleston Homeowners insurance Facts

  • Charleston, WV has 14,243 owner occupied houses which is 60.7% of all units whereas South Charleston, Dunbar and Rand have 68.02%, 66.18% and 63.67% respectively.
  • Charleston, WV homeowners yearly insurance price at $933 is 0.66% of the typical house value of $141,900 which is in contrast with 0.88% in South Charleston, 1.01% at Dunbar & 1.47% in Rand.
  • Homeowners in Charleston, WV pay 2.87% of their income ($30,000 to $34,999) in insurance whereas homeowners in South Charleston, Dunbar and Rand pay 2.79%, 2.76% and 2.7% respectively.
  • Charleston, WV’s insurance is 6.7% of monthly housing costs of $1,159/month, for owners with a mortgage compared to 7.84% in South Charleston, 8.26% at Dunbar & 9.19% in Rand. But, for households without a mortgage, insurance is 21.0% of costs ($370 in Charleston, WV) in contrast with 22.1% in South Charleston, 25.17% at Dunbar & 33.26% in Rand.

Charleston, WV Home Values & Insurance rates

For example, insurance for 1,095 Homes (8.0% of total homes ) valued between $300,000 to $399,999 in Charleston, WV is about $2,295. Rates in nearby areas in such as Pinch, Teays Valley, Scott are cheaper by $243, $588, $219 respectively while South Charleston and Dunbar are costlier by $761 and $1,239 respectively for similar homes.

Charleston, WV Home By Value Total Homes % of Total Average Homeowners Insurance
Less than $50,000 1,573 12.0% $158
$50,000 to $59,999 619 4.0% $335
$60,000 to $69,999 681 5.0% $419
$70,000 to $79,999 673 5.0% $485
$80,000 to $89,999 727 5.0% $550
$90,000 to $99,999 704 5.0% $615
$100,000 to $124,999 1,411 10.0% $718
$125,000 to $149,999 1,087 8.0% $895
$150,000 to $174,999 1,245 9.0% $1063
$175,000 to $199,999 933 7.0% $1231
$200,000 to $249,999 1,374 10.0% $1474
$250,000 to $299,999 943 7.0% $1810
$300,000 to $399,999 1,095 8.0% $2295

Renters Insurance in Charleston

  • Average Renters Insurance in Charleston :  $215($17/month)

  • Median Gross Rent in Charleston :  $625

  • Charleston Renters Insurance to Median Rent Ratio:  2.72%

  • Renter occupied housing units in Charleston :  9,240

Charleston Renters Insurance as a Percentage of Rent

Charleston Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
Less than $200 496 5.0% $353
$200 to $299 611 7.0% $803
$300 to $499 1,364 15.0% $1253
$500 to $749 3,405 39.0% $1928
$750 to $999 1,750 20.0% $2678
$1,000 to $1,499 799 9.0% $3803
$1,500 or more 180 2.0% $5453

Rent Affordability in Charleston:

Approximately 41.0% (3,807) of households are spending more than 35% of their income on gross rent in Charleston

Occupied units paying gross rent Total Households % of Total
Less than 15.0 percent 1,518 16.0%
15.0 to 19.9 percent 1,291 13.0%
20.0 to 24.9 percent 1,019 11.0%
25.0 to 29.9 percent 991 10.0%
30.0 to 34.9 percent 614 6.0%
35.0 percent or more 3,807 41.0%

Charleston Renters Insurance Discounts:

Charleston Renters Insurance Discounts by Number of Vehicles in Renter Occupied Housing Units

Number of Vehicles in Charleston, WV Number of Housing Units % of Total Renters Insurance Insurance Savings by Bundling Auto Insurance
1 vehicle available 4,543 49.0% $21.5
2 vehicles available 1,452 15.0% $32.25
3 or more vehicles available 311 3.0% $43.0

Protective device discount in Charleston Up to :  $32

Claims-free discount in Charleston Up to :  $43