Condo Insurance in Martinsburg, WV – Quad State Insurance

Comprehensive Condo Insurance in WV and surrounding states – Protection for Your Home and Peace of Mind

At Quad State Insurance, we understand that your condo isn’t just a place to live — it’s your home and your investment. Whether you own a downtown Martinsburg condo or a unit in a growing community near Kingwood or Charles Town, we’ll help you find the right coverage for your space, your belongings, and your lifestyle.



As your local independent agency, we shop multiple carriers to find affordable, dependable protection. At Quad State Insurance, we call it Insurance Made Simple. Service Made Better.

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Why Condo Insurance Matters

Condo insurance helps protect what your condo association doesn’t. While your HOA typically covers the building’s exterior and common areas, you’re responsible for your unit’s interior, your personal belongings, and your liability. With condo insurance in Martinsburg, WV, you’ll be protected from:


  • Fire, theft, and storm damage inside your unit
  • Liability claims if someone is injured in your condo
  • Water damage from burst pipes or appliance leaks
  • Temporary living expenses if your unit becomes uninhabitable

What Our Condo Insurance Covers

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Dwelling Coverage

Protects the interior of your condo, including walls, flooring, fixtures, and built-ins, from fire, theft, or storm damage.

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Personal Property Coverage

Covers your furniture, electronics, clothing, and valuables against damage or theft.

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Loss of Use Coverage

Pays for temporary housing and living expenses if your condo becomes uninhabitable due to a covered loss.

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Liability Protection

Covers legal expenses and damages if someone is injured in your condo or you accidentally damage someone else’s property.

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Medical Payments Coverage

Provides quick coverage for minor injuries to guests, regardless of fault.

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Loss Assessment Coverage

Helps pay your share of special assessments imposed by your condo association after a covered loss to shared property.

Customize Your Condo Coverage

We make it easy to enhance your condo insurance policy with flexible add-ons like:



  • Water Backup Coverage – Protects against sewer or drain backups.

  • Replacement Cost Coverage – Ensures you’re reimbursed for the full cost to replace damaged items.

  • Scheduled Personal Property – Covers high-value items like jewelry or collectibles.

  • Identity Theft Protection – Monitors and helps restore your identity if stolen.

Who Needs Condo Insurance?

Every condo owner should have coverage that goes beyond their HOA’s master policy. Our agents help:


  • Condo owners in Martinsburg, Kingwood, and surrounding WV communities

  • Retirees or downsizers protecting a second or seasonal condo

  • Investors renting out condo units in West Virginia

  • Families or professionals looking for affordable, flexible coverage
Local Risks to Consider
  • Storm and hail damage common in Berkeley and Preston Counties

  • Frozen pipes or water leaks during harsh WV winters

  • Theft or vandalism in shared condominium complexes

  • Flooding or sewer backup risks in low-lying areas near Martinsburg

Condo Insurance FAQs

  • Is condo insurance required in West Virginia?

    It’s not required by state law, but most lenders and HOAs require proof of coverage. It’s also essential for protecting your investment.

  • Does my HOA cover my condo unit?

    Typically, the HOA’s master policy only covers the building’s exterior and shared spaces. You’re responsible for everything inside your unit.

  • Can I bundle my condo and auto insurance in WV?

    Yes! Many West Virginia residents save by bundling condo and auto insurance for discounted rates and simplified coverage.

  • Does condo insurance cover water damage?

    Yes, most policies cover water damage from burst pipes or appliance leaks. We recommend adding water backup coverage for extra protection.

  • Do you offer flood insurance for condos in WV?

    Yes, we offer separate flood insurance policies to protect condos in flood-prone areas.

Why Choose Quad State Insurance for Condo Insurance in WV and Surrounding States

At Quad State Insurance, we go beyond policies — we provide local knowledge and personal care that fits your life and community.

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Local Knowledge – We understand the housing trends, weather, and risks unique to West Virginia.

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Independent Advantage – We compare multiple carriers for better pricing and coverage options.

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Personal Service – Speak directly with a Martinsburg or Kingwood agent — no call centers, just real people who care.

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Bilingual Support – Se habla español. Our bilingual agents proudly serve clients in both English and Spanish.

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Trusted Choice® Member – Recognized for integrity, accountability, and client-first service.

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CONDO Insurance protection

Get the Right Condo Insurance in Martinsburg, WV Today

Protect your condo, your belongings, and your peace of mind with Quad State Insurance. Our local agents will help you compare condo insurance quotes in Martinsburg, WV, and beyond — so you can enjoy confidence knowing you’re fully covered.