Health Insurance Agencies in West Virginia

West Virginia at a glance

• 11health insurance agencies listed
• 25.1%of households rentRenters insurance
• $162,600median home valueHome insurance
• 1976median year homes were builtRebuild cost calculator
• 8%of households have no carAuto insurance
• 13.6%of homes are mobile homesMobile home insurance

Population and housing figures: U.S. Census Bureau, American Community Survey 2020-2024 5-year estimates. Agency count: our listings.

Natural hazard risk across West Virginia

How many of West Virginia’s 55 counties FEMA rates Relatively High or Very High for each hazard, compared with other U.S. counties.

• Strong wind2 of 55 counties

  Some insurers exclude windstorm and hail from the main home policy or set a separate deductible for them. Ask the agent which applies.

  Home insurance in West Virginia
• Lightning2 of 55 counties

  Fire and lightning are standard covered causes of loss on home policies.

  Home insurance in West Virginia
• Inland flooding1 of 55 counties

  Most home and renters policies do not cover flood damage. Flood cover is a separate policy, from the National Flood Insurance Program or a private insurer, and an NFIP policy usually starts 30 days after you buy it.

  Flood insurance in every state
• Winter weather1 of 55 counties
• Ice storm1 of 55 counties

Source: FEMA National Risk Index, December 2025 release.

Car insurance rules in West Virginia

West Virginia requires drivers to carry at least $25,000 of bodily injury liability per person, $50,000 per accident and $25,000 of property damage liability, often written 25/50/25. It also requires uninsured motorist coverage ($25,000 per person, $50,000 per accident) and uninsured motorist property damage coverage ($25,000).

These are legal minimums, not a recommendation: a serious crash can cost far more, and anything above your limits is yours to pay.

Auto insurance in West VirginiaHow much liability cover do you need?

Source: wvinsurance.gov. Checked 2026-10-24.