Huntington Insurance Rates:

Huntington, WV homeowners insurance is approximately $760 to $1,030, about $63-$85/month. Our exhaustive guide indicates shoppers can save as much as $358 by comparing multiple quotes. Enter your zipcode below and click “GO” to get multiple free quotes.

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What Does it Cost to Insure Your Home in Huntington, WV

Homeowners in Huntington, WV pay an average of $667 for home insurance. However, the cost of your policy will vary based on a number of factors including coverage type and deductible amount as well as age of property or materials used to build it.Below is the summary of average home insurance costs available to Huntington Homeowners based on the deductible and other variables.


Homeowners are given discounts when they opt for higher deductibles which translates into cheaper monthly payments and affordable premiums over time. A high deductible policy is an easy way to benefit more while saving money. Huntington homeowners paying a high deductible of $2500 can avail of home insurance for $479.Homeowners receive insurance for $509 and $561, respectively, on deductibles $2000 and $1500.

The average cost of house insurance is directly proportional to the age of the home. Newly constructed Huntington homes can avail lower insurance of $534 since newly built homes have a lesser threat of damage. As a result, home insurance companies offer substantial discounts to newly constructed homes. An older housing means higher rates since houses are more prone to damage and as a result, those with homes over 40 or 50 years old have to pay an average of $684-$692 per on their premiums.

Construction type is an important factor in the cost of homeowners insurance. The more resistant your house to damage, the less expensive homeowners insurance will be for you. For instance, if a person lives in Huntington and has fire-resistant construction on their roof they can benefit from average rates at $594 per year.Insurance companies in Huntington offer home insurance for $634 for homes built with Masonry and Brick. Homes constructed with superior and hail resistant roofs attract a higher amount $607 and $654 respectively.

Apart from all these factors, homeowners can avail cheap home insurance costs from insurance companies based on the security features and senior citizens residing in the households. Senior occupied houses in Huntington can also avail discounts on home insurance.

Huntington, WV Homeowners Insurance By Home Value

Huntington, WV Home Value Total Homes % of Total Average Huntington, WV Homeowners Insurance
Less than $50,000 2,181 19.0% $259
$50,000 to $59,999 861 7.0% $545
$60,000 to $69,999 977 8.0% $671
$70,000 to $79,999 1,088 9.0% $778
$80,000 to $89,999 842 7.0% $886
$90,000 to $99,999 887 8.0% $984
$100,000 to $124,999 1,135 10.0% $1145
$125,000 to $149,999 812 7.0% $1432
$150,000 to $174,999 634 5.0% $1691
$175,000 to $199,999 383 3.0% $1951
$200,000 to $249,999 565 5.0% $2344
$250,000 to $299,999 247 2.0% $2872
$300,000 to $399,999 369 3.0% $3642

Top Home Insurance Agents Near Huntington, WV

Home Insurance Company Near Huntington, WV Homeowners Insurance Agency Near Huntington, WV Address
NA Kinder's Insurance Agency 215 S 4Th St, Ironton, OH, 45638
Liberty Mutual Independent Assured Partners Of West Virginia Dba Commercial Insurance. 340 Maccorkle Ave Se #200, CHARLESTON, WV, 25314
Travelers Mountain State Agency Alliance Llc 888 OAKWOOD RD STE 100, CHARLESTON, WV, 25314
Allstate Tresa L. Davis-Weir 4848 Maccorkle Ave SW, South Charleston, WV, 25309
Liberty Mutual Independent Wesbanco Insurance Services Inc 14621 State Route 93, JACKSON, OH, 45640

Huntington, WV Home Insurance Agents for Top Companies

Cost Of Homeowners Insurance By Street Near Huntington, WV

Streets in Huntington Area Homeowners Insurance Cost
Old State Hwy 75, Vinson Rd, Buena Vista Dr, Trailside Acres, Skyview Rd, Coal Branch Rd, Handley Rd, Co Hwy 52/1, Devon Rd, Big Sandy River Rd$908
Valley Ct, Skyview Dr, Hubbards Hts, Ray Rd, Florence St, Co Hwy 11, Camden Rd, Pine Grove Ln, Madison Ln, 46 1/2 St W$906
Crescent Dr, Indiana St, Docks Creek Rd, Augusta Dr, Co Hwy 60/1, Hubbards Branch Rd, Park Ave, Co Hwy 7/15, James River Rd, Co Hwy 7/13$904
Auburn Rd, Brittany Dr, Right Fork Hutchinson Branch, Dundale Ave, Waverly Rd, Oak Ln, Warren Rd, Left Fork Bobs Branch, Old Spring Valley Rd, Chase St$912
Hearth Pl, Jo-Lin Dr, US Rte 60, US Rte 60, Michigan St, Co Hwy 7/16, 33rd St W, Hubbards Branch Rd, Plymale Branch Rd, Smith Branch Rd$904

Huntington, WV Home Insurance Savings For Senior Occupied Homes

PlaceSavings For Senior Occupied Homes
Huntington$133 to $136

Huntington, WV Auto & Homeowners Insurance Bundling Discounts

Place 1 Car Bundle Savings On Insurance 2 Car Bundle Savings On Insurance 3 Car Bundle Savings On Insurance
Chesapeake village, Ohio $85 $113 $170
Proctorville village, Ohio $85 $113 $170
Westmoreland district, Wayne County, West Virginia $112 $149 $224

Huntington, WV Area Home Insurance as a % of Housing Cost

PlaceHome insurance as a % of housing cost for homes with mortgageHome insurance as a % of housing cost for homes without mortgage
Huntington, WV8.3%23.4%

Huntington Renters Insurance as a Percentage of Rent

Huntington Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
Less than $200 431 4.0% $376
$200 to $299 725 7.0% $826
$300 to $499 2,155 22.0% $1276
$500 to $749 3,507 36.0% $1951
$750 to $999 1,814 18.0% $2701
$1,000 to $1,499 869 8.0% $3826
$1,500 or more 183 1.0% $5476

Huntington, WV Home Insurance Costs With Deductible Scenario

Low DeductibleHigh Deductible
Yearly Huntington Homeowner Insurance Premium Example $400$200
Out of Pocket Expense During Claim$900$1,900
Total Home Insurance Premium for 8 years + Out of Pocket Expense for Claim $4,100$3,500
Net Savings to Huntington Home Owner from High Deductible Plan $600

Huntington, WV Home Insurance Costs With Home Replacement Value Scenarios

Scenario Huntington, WV Home Replacement Value MORE than Home Value Huntington, WV Home Replacement Value LESS than Home Value
Replacement Value $87,500 $57,000
Insurance Premium based on Replacement Value $500 $325
Risk Exposure from Under Insuring Coverage Unnecessary Home Insurance Coverage of $19,000 Risk Exposure from Under Insuring Coverage is $11,500
Premium Impact Insurance cheaper by $75/year Insurance costlier by $100/year

Example Huntington Homeowners Insurance Comparison Table to Compare The Cheapest Quotes

Insurance Company AllstateState FarmAmica Mutual Insurance Company
Monthly Premium 414643
Year Built 195119481961
Home Details 3 Beds, 1 Baths4 Beds, 2 Baths5 Beds, 3 Baths
Coverage Amount $75000-$100000$175000-$200000$125000-$150000
Deductible $500 Deductible$5000 to $10,000 Deductible$2500-$5000 Deductible

Sample Home Insurance Rates for Huntington, WV from Consumer Reviews & Surveys

Year Built Home Value Roof Type Sqft Number of Bedrooms Deductible Premium Premium Months Siding Type Smoker/Non Smoker
1949 190,000 Shingles Roof 3,050 5 $500- $1000 Deductible 460 6 Stucco siding No
1949 165,000 Membrane Roof 2,340 3 $2500-$5000 Deductible 620 10 Stone Siding yes
1949 160,000 Slate Shingles Roof 2,900 4 $5000 to $10,000 Deductible 400 10 Stucco siding yes
1952 175,000 Slate Shingles Roof 3,210 4 $500- $1000 Deductible 600 7 Brick siding yes
1970 165,000 Composition Roof 2,210 3 $1000-$2500 Deductible 70 2 Fiber-Cement Siding yes
1972 115,000 Slate Shingles Roof 1,770 3 $500 Deductible 260 4 Stone Siding No
1950 320,000 Shingles Roof 4,850 5 > $10,000 Deductible 160 2 Vinyl siding No
1972 130,000 Composition Roof 1,680 2 $500 Deductible 520 8 Brick siding yes
1959 65,000 Slate Shingles Roof 1,290 3 $1000-$2500 Deductible 190 10 Stone Siding yes
1971 125,000 Shingles Roof 2,120 4 $1000-$2500 Deductible 40 1 Brick siding yes
1977 295,000 Asphalt Shingles Roof 4,930 5 > $10,000 Deductible 370 6 Stone Siding yes
1947 100,000 Tile Roof 1,700 2 $2500-$5000 Deductible 350 12 Brick siding yes
1946 105,000 Composition Roof 1,330 2 $1000-$2500 Deductible 160 4 Brick siding yes
1971 90,000 Tile Roof 1,480 3 $1000-$2500 Deductible 30 1 Stone Siding No
1970 275,000 Composition Roof 4,860 5 > $10,000 Deductible 340 6 Brick siding yes
1977 50,000 Shingles Roof 970 2 $500- $1000 Deductible 30 2 Vinyl siding yes
1945 150,000 Tile Roof 2,070 5 $500- $1000 Deductible 290 6 Vinyl siding yes
1976 95,000 Asphalt Shingles Roof 1,850 3 $500- $1000 Deductible 150 3 Fiber-Cement Siding No
1953 195,000 Tile Roof 3,080 4 $2500-$5000 Deductible 660 8 Stucco siding No
1950 110,000 Metal Roof 1,650 4 $500- $1000 Deductible 260 4 Fiber-Cement Siding yes
1966 135,000 Asphalt Shingles Roof 2,210 5 $500 Deductible 180 4 Stucco siding No
1968 70,000 Composition Roof 930 2 $2500-$5000 Deductible 160 8 Fiber-Cement Siding yes
1943 125,000 Metal Roof 1,690 2 $500- $1000 Deductible 740 12 Fiber-Cement Siding yes
1970 125,000 Asphalt Shingles Roof 2,040 3 $500- $1000 Deductible 190 5 Stucco siding yes
1950 165,000 Wood Shake Roof 2,160 3 $2500-$5000 Deductible 440 12 Vinyl siding yes
1952 185,000 Membrane Roof 2,780 4 $5000 to $10,000 Deductible 320 6 Brick siding yes
1954 90,000 Composition Roof 1,680 2 $1000-$2500 Deductible 90 3 Stone Siding No
1976 300,000 Composition Roof 4,220 5 $2500-$5000 Deductible 430 3 Fiber-Cement Siding No
1956 90,000 Wood Shake Roof 1,470 3 $500- $1000 Deductible 100 3 Stucco siding No
1959 120,000 Composition Roof 1,670 3 $2500-$5000 Deductible 270 7 Vinyl siding yes
1956 315,000 Wood Shake Roof 4,110 5 $2500-$5000 Deductible 420 5 Stucco siding yes
1948 100,000 Tile Roof 1,960 4 $500 Deductible 110 2 Fiber-Cement Siding No
1951 50,000 Wood Shake Roof 1,000 2 $500 Deductible 50 2 Wood siding yes
1942 70,000 Tile Roof 1,130 2 $2500-$5000 Deductible 150 10 Vinyl siding No

Latest Home Insurance Reviews

Safeco Insurance
We would definitely recommend this company. We have had a great experience with Safeco and have been with them for over 10 years.
State Farm
Our premiums are very affordable. We're paying about $275 month for Our home, RV, 2 Cars, Umbrella Insurance, and maybe a couple of other add ons that I can't think of at the moment.
Liberty Mutual
Other home insurance companies rates are very high without providing much of benefits. Also, the process to sign up is great and easy to use.
I would recommend them because they are always there for me nad anytime I call my agent picks up the phone. I have never had any issues.
Farmer's Insurance
If you are looking for a company that is available at most hours and can be thorough and helpful at all times this is where to look. They are quite knowledgeable and open to accommodating my needs.
State Farm
I would recommend this insurance company to others whom want peace of mind and do not mind paying a little more premiums. In times of emergency you want someone who has experience to be behind you.
The reason I chose Geico was because the premium and deductible were a better value than it's competitors. I have not had to file a claim as of yet, but I know that if I did that the deductible would not greatly affect my finances.
I think the offerings are roughly the same but they may have some clauses to cover more unusual events than some other insurers.
My husband and I have both have a really great experience with Geico when it comes to customer service. They are always quick to answer when calling in, everyone is always friendly.
State Farm
I would say that they are about the same as others in their offerings. While I don't know all of their offerings, I think they are about average.
State Farm
State Farm has always had low premiums and higher deductibles. They are more affordable and cheaper than most other insurance companies for someone like me who only works part time right now.
Liberty Mutual
So far so good. At this time I would rate them a 5. There is clear communication, the agent knows what my policy does and does not cover, and what my deductible is. There seems to be a genuine concern for the customer.
allstate has really good customer service at least as long as ive been with them.
State Farm
Statefarm gave me a better deal on insurance bundles than any other company I spoke to and they worked with me to get the best price! Which is a big deal for me.
I would rate my home insurance offerings as poor or number 2 because they only have a few set plans and not much flexibility on billing due date changes or coverage selections.
State Farm
State farm offers a lot of different insurance and this is their downfall. we actually got a plan that was explained to us it worked similar to a savings account, offering a certain amount of insurance when there is an accident, and money for when you need to take money out. so, if the plan cost one hundred a month you are covered at an eighty dollar amount and that twenty is placed into an expense fund. sounds great when it's explained, and we got it for a year; however soon after they stopped offering it, and when we needed our extra money the equivalent of approx. one thousand dollars, we were told we had to close the account to get the money, and could only receive around two hundred. this type of thing made me realize that they're not trained fast enough, fully enough, or have too much to offer that we as customers need to be diligent in our insurance choices. point 1: made us feel lied to point 2: made us lose trust and confidence in them point 3: too many choices can often make you feel like you have no choices at all"
Erie Insurance
When I first bought my own, I was clueless about what I needed or what I should have my broker was amazing
Erie Insurance
The company's website is very easy to navigate. There is not much clutter, and it is rather simple. Everything you need to know is mostly presented on the first screen, with everything else only being a single click away. Information can be viewed or downloaded.
They only contact me when documents are ready or a bill is due, which is exactly what I want, I don't need tips or solicitations.
They are very friendly, have easy to use website and are quick to update new information. They remind you when things are ready to be changed or printed.
Erie Insurance
I would recommend the company because of the customer service offered.
State Farm
I would recommend if you have multiple things to bundle, as that is when you seem to get the biggest discounts. Also, if you have dogs that are on the aggressive list.
Erie Insurance
They work easily with our mortgage company. It was just easier to sign up with them, we did not price shop or look at different options when purchasing home insurance

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