Homeowners Insurance

Quad State Insurance Agency

Protect Your Home and Peace of Mind with Reliable Homeowners Insurance in Martinsburg, WV

We offer customizable policies tailored to your specific requirements. Are you a home owner, or planning on purchasing a home? We have options to suit your circumstances. Our experienced agents specialize in ensuring you have the right coverage. We provide the best pricing in Martinsburg, WV, and surrounding areas, including Kingwood, WV, and Morgantown, WV.

Why Quad State?

Welcome to Quad State Insurance, your trusted source for comprehensive and affordable homeowners insurance. We understand that your home is one of your most valuable assets, and protecting it against unexpected risks and damages is a top priority. With our help and the carriers we represent, you can have peace of mind knowing that your investment is safeguarded.

Blue house with white trim with homeowners insurance from Quad State Insurance Agency.

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Your Home Is Important, Make Sure It’s Protected

You have to ask yourself…

What would happen if a disaster struck your home tomorrow? Are you confident you’re properly covered for damages and total loss? How much would you pay out of pocket for repairs?

Our homeowners insurance policies are designed to protect your home, and personal belongings, and provide liability coverage. We offer coverage for damages caused by fire, theft, vandalism, natural disasters, and more. Whether you own a house, or condominium, or rent an apartment, we have tailored solutions to meet your unique needs.

What is Home Insurance for?


Home insurance covers the common hazards that most homeowners face. When a loss occurs, insurance is there to help cover what you’ve lost.

Insurance also covers personal liability exposures, to protect your assets if you’re responsible for damages or injuries to others.

For instance, if someone slips and falls in your home or is injured somewhere on your property, you can be held responsible. Liability coverage is there to protect you.

You could also potentially need insurance to protect you from having to pay for:


  • Fire, windstorm, lightning, and hail damage
  • Dog bite liability 
  • Trampoline or swimming pool liability
  • Sinkholes
  • Flood damage
  • Sewer or septic backups
  • Replacement cost for personal property
  • Loss from theft or vandalism

When you see an independent insurance agent like us you have the chance to explore all your options for insurance and protect the things that are most important to you.

Little-known facts about Homeowners Insurance

There are many things about insuring a home that most consumers aren’t aware of. We are here to make sure you avoid potential problem areas, including:

  • Most policies will not cover sewer backup unless you purchase a special endorsement
  • Damages caused by surface water or water that flows below the surface of the ground aren’t usually covered
  • A standard homeowners policy typically does not include Flood Insurance
  • A standard homeowners policy only covers jewelry up to set limits if the loss resulted from one of the perils named on the policy
  • Many policies default to actual cash value, which means if you purchased a widescreen TV and home theater system for $1,000, it may now only be worth $450, so that’s all you’ll receive on the claim. Personal property replacement cost insurance pays out the total replacement value of your possessions, not their market value, in the event of a claim.

IMPORTANT: You can combine your Home and Auto policies (and others) for even more savings

Types of homes we can insure:

  • Frame houses
  • CBS homes (Concrete Block Structure)
  • Manufactured homes
  • Mobile homes on acreage
  • Condos
  • Townhouses
  • Secondary homes
  • Homes you rent to others
  • Seasonal resident homes
  • Vacant homes
  • … And more!

How We're Different

Most insurance products are similar in price and function. Insurance providers vary when it comes to structuring a policy tailored to you.

After all, there’s no such thing as a one-size-fits-all insurance policy when it comes to your policy. Quad State Insurance will help get it right for you!