Farm Mutual · West Virginia · Since 1923
Coverage as steady as these hills
Home and farm insurance written right here in West Virginia — protected by neighbors you know and a family-run company that’s looked after the Mountain State for over a hundred years.
Pay My Bill
Pay your premium securely online in about a minute.
Find an Agent
Talk with a local agent near you across West Virginia.
Our Coverage
See what we protect for your home, farm, and family.
Neighbors protecting neighbors
A small-town company, built for West Virginia
We’re a mutual company, which means we’re owned by our policyholders — not outside shareholders. The family behind W.Va. Insurance Company have farmed this ground themselves, so we know what’s at stake when weather rolls over a ridge. It’s our land too.
For over a century our roots have been right here in Ritchie County. We’ve grown into a larger company while keeping the small-town feel that’s defined us since 1923 — and our future is here, too.
What we protect
Coverage for the way you live here
From the farmhouse to the back forty, our policies are written for real West Virginia homes and farms.
Homeowners
Protection for your house, outbuildings, and belongings — plus liability that follows your family wherever life takes you.
Farm & Ranch
Barns, equipment, livestock, and the land you work — built by people who have farmed West Virginia ground.
Property & Liability
Dwellings, rentals, and personal property, with liability coverage to keep a bad day from becoming a hardship.
The easy part
Pay your bill online, anytime
No login to remember and no trip to the post office. Pay securely from your phone or computer in about a minute — day or night.
🔒 Secure payment · Prefer to pay by phone? Call 304-643-2772
The mutual difference
Why our policyholders stay for generations
Owned by our members
As a mutual, your policy makes you an owner. Decisions are made for policyholders — never outside shareholders.
Agents who know you
Our coverage is sold by local agents across West Virginia — neighbors who can talk through your farm or home in plain language.
Claims close to home
When something goes wrong, you reach real people at the home office in Harrisville — not a call center three states away.
Steady since 1923
A century of careful underwriting and the same family stewardship means we will be here when you need us most.
The company in Harrisville, 1960.
Our story
A century of looking after our neighbors
A group of local folks founded W.Va. Insurance Company on February 11, 1923, to protect one another’s homes and farms. We grew from a small office on Main Street in Harrisville to the company we are today — never stopping being a small-town company, run by the same family for generations.
1923
Founded in Harrisville
100+
Years protecting WV
Statewide
Local agent network
Ready to talk?
Insurance through someone you know
Our policies are written through independent local agents who live and work right here in West Virginia. Find the one nearest you, or call the home office and we’ll point you in the right direction.