What type of insurance can West Virginia consumers not obtain from admitted insurers?

In the context of West Virginia insurance, surplus lines insurance refers to coverage that is not available through admitted insurers. Admitted insurers are those that are licensed and regulated by the state, complying with specific standards and rates set forth by the state’s insurance department. They must also contribute to the state's guaranty fund, which protects policyholders in case of an insurer's insolvency.

Surplus lines insurance is typically utilized for insuring risks that are considered too high for standard insurers, or for specialty coverage that may not fit into typical insurance products. It usually involves non-admitted insurers, which are those not licensed in the state but legally allowed to provide insurance for specific types of risks when the required coverage is not available in the admitted market.

General liability insurance, auto insurance, and homeowners insurance are all standard lines of coverage generally offered by admitted insurers in West Virginia. These types of insurance are more common and meet the standard regulations, making them readily available through licensed companies. Thus, the option of surplus lines insurance specifically pertains to those consumers seeking coverage that isn't typically available through admitted insurers, making it the correct answer.