Average homeowners insurance cost in Huntington, WV

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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 Insure.com’s rate analysis. 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:

Size of your home
Age of your home
Amount of coverage required
Location
Your credit score

It’s crucial to compare quotes from multiple insurers to ensure you get the best homeowners insurance policy. This allows you to find the coverage that meets your specific needs.

Read this guide to discover the monthly homeowners insurance cost in Huntington, explore the insurance costs for different dwelling coverage, and find out which companies offer affordable home insurance in Huntington.

Key takeaways

In Huntington, homeowners insurance costs $2,008 annually.
Allstate offers the most affordable homeowners insurance in Huntington with an average annual premium of $1,394.
If you increase your dwelling coverage from $200,000 to $300,000, your annual home insurance premium will be $466 higher.

Average homeowners insurance cost in Huntington per month

According to Insure.com’s rate analysis, residents of Huntington pay an average of $167 per month for homeowners insurance. This is $10 more than the state average of $157 and $48 less than the national average for home insurance across the United States. The cost of your homeowners insurance policy in Huntington can vary depending on your location, property value, and selected coverage options.

Average homeowners insurance cost for a $200,000 house in Huntington

In Huntington, WV, homeowners pay an average of $1,542 annually for a $200,000 home. The annual cost of home insurance is influenced by factors such as the risk of natural disasters in your area.

Regions more susceptible to natural disasters, such as floods, hurricanes, or tornadoes, typically face higher rebuilding costs, leading to increased insurance premiums. It is important to understand that standard insurance policies might not cover damages caused by floods or hurricanes. If you live in a flood-prone area, it is advisable to purchase flood insurance.

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

Based on a rate analysis conducted by Insure.com, Huntington residents pay an average of $2,008 per year to insure a home for coverage limits of $300,000 dwelling, $100,000 liability with a $1,000 deductible. If you plan to increase your dwelling coverage from $200,000 to $300,000, you must pay an additional $466 per year for home insurance.

Buying adequate insurance to cover the entire expense of rebuilding your home is best advisable. However, the amount of dwelling coverage you need may vary depending on your home’s size, amenities, and the cost of living in your area.

Average homeowners insurance cost in Huntington by company

After evaluating several carriers, Allstate is the least expensive homeowners insurance provider in Huntington. It’s average annual rate for homeowners in Huntington is $1,394.

Automobile Club MI (AAA) holds the second position, while Nationwide secures the third spot with an average annual home insurance rate of $1,769.

Researching the insurance company is crucial before selecting a homeowners insurance policy. Our experts have analyzed all insurance providers in Huntington and compiled a list of the cheapest home insurance providers. Below, you’ll find the home insurance companies in Huntington and their average annual premiums.

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

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 $1,000 deductible. The data presented are those with a good credit tier alignment.