Renters Insurance West Virginia

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In 2013, the average estimated cost of renters insurance in West Virginia was $222 a year and the homeowners insurance is $930 a year. Therefore, renters insurance is cheaper than most people realize.

Comparing Renters and Owners Insurance in 2013 in West Virginia

In 2012, there were 11291 burglaries reported in West Virginia. The landlord's policy does not cover renter's damages like burglary, and to protect oneself from events like burglary, fire and similar disasters renters insurance is critical.

Renters Insurance Coverage Types:

Actual cash value policy:
The Actual cash value policy covers the depreciated value of loss. For example, a Laptop bought for $890 might be worth only $450 in six months, and that is all one is going to get for it.

Replacement Coverage Policy in West Virginia:

Estimated Renters Insurance for Different House Types in West Virginia

House Type Median Rent Estimated Renters Insurance
Single Fam $1,000 $230
Duplex $750 $172
Two Bed $750 $172
Three Bed $1,000 $230
Four Bed $1,300 $299

Deductibles in West Virginia:

Choosing a $500 deductible over a $250 deductible in West Virginia can save average of $24.42 on insurance premium.