Seasonal Home Insurance

Quad State Insurance Agency

Protecting your vacation property year-round with our seasonal home insurance plans.

We offer customizable policies tailored to your specific requirements. Are you planning on a vacation at your seasonal 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, we understand that your seasonal home is more than just a vacation retreat – it’s a valuable investment that deserves proper protection. Whether you own a cozy cabin in the mountains, a beachside getaway, or a lakeside cottage, comprehensive seasonal home insurance policies are designed to safeguard your property against the unique risks that come with owning a second home.

Log cabin in woods with seasonal home insurance from Quad State Insurance Agency.

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What is Seasonal Home Insurance for?


Customized Coverage:

We offer customized seasonal home insurance coverage tailored to your specific property and needs. These policies are designed to protect your vacation home, its contents, and other structures on the premises, such as sheds or garages. With Quad State Insurance, you can have peace of mind knowing that your seasonal home is fully protected against risks like fire, theft, vandalism, and natural disasters.

Year-Round Protection:

Your seasonal home may be vacant for extended periods, making it more susceptible to risks like break-ins, water damage, or weather-related incidents. Seasonal home insurance provides year-round protection, even when your property is unoccupied.

Extended Liability Coverage:

Accidents can happen, even on vacation. Seasonal home policies include extended liability coverage to protect you in case someone gets injured on your property or if you’re held responsible for property damage. With Quad State’s insurance partners, you can rest easy knowing that you’re financially protected against potential lawsuits or medical expenses that may arise.

Additional Options:

We understand that each seasonal home is unique. From coverage for detached structures, boathouses, or docks to protection for personal belongings or liability during short-term rentals, flexible options allow you to customize your policy to safeguard what matters most to you.

Competitive Rates:

We believe that quality insurance should be accessible and affordable. At Quad State Insurance, we offer competitive rates on seasonal home policies without compromising on coverage. Our team will work closely with you to find the right policy that fits your budget while providing the necessary protection for your vacation property.

Don’t leave your vacation property vulnerable to risks and uncertainties. Safeguard your investment with comprehensive seasonal insurance. Contact us today to discuss your unique insurance needs and receive a personalized quote. Trust us to protect your seasonal home, so you can focus on creating lasting memories in your cherished retreat.

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!