Charleston has 47,421 residents in 21,116 households. We list 3 agencies for landlord insurance in Charleston. Here is what the local numbers say about the cover people here need.

Charleston at a glance

3landlord insurance agencies listed
36.7%of households rentRenters insurance
$203,300median home valueHome insurance
1957median year homes were builtRebuild cost calculator
12.4%of households have no carAuto insurance

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

Natural hazard risk in Kanawha County

FEMA rates the overall natural hazard risk in Kanawha County, where most Charleston agencies we list are located, as Relatively High compared with other U.S. counties. The hazards it rates highest:

Inland floodingRelatively High
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
LightningRelatively High
Fire and lightning are standard covered causes of loss on home policies.
Home insurance in Charleston
Strong windRelatively High
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 Charleston
Winter weatherRelatively High

Source: FEMA National Risk Index, December 2025 release. Ratings compare each county with all other U.S. counties.

Where Charleston agencies are

Charleston agencies we list sit in 2 ZIP codes, mostly in Kanawha County.

253022 agencies
253011 agency

Questions

Landlord insurance in Charleston

All insurance agencies in Charleston · Landlord insurance across West Virginia

Where can I find landlord insurance in Charleston?

Browse the agencies on this page, search by name, or pick the insurance you need in the filters to see only the agencies that offer it.

What does landlord insurance cover?

Covers a property you rent out, including loss of rental income.

Do I need flood insurance in Charleston?

FEMA's National Risk Index rates inland flooding risk in Kanawha County as Relatively High compared with other U.S. 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.

How do I choose an agency?

Call two or three. Ask which companies they can quote for you, how they handle claims, and who you will deal with after you buy. An independent agency can compare several insurers in one call.

For insurance agencies

Is your Charleston agency listed?

Claim your free listing to keep your details right, then add your logo, website and social profiles.

Claim your listing