Recreational Insurance in Martinsburg, WV – Quad State Insurance

Adventure Confidently with Recreational Insurance in West Virginia

From winding mountain trails to open lakes and scenic highways, West Virginia is built for adventure. Whether you’re cruising on your boat, exploring trails on your ATV, or traveling cross-country in your RV, Quad State Insurance provides the protection you need to enjoy every journey with confidence.



As your local independent insurance agency in Martinsburg and Kingwood, WV, we work with top carriers to offer affordable, comprehensive coverage for all your recreational vehicles.
At Quad State, we call it Insurance Made Simple. Service Made Better.

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Why Recreational Insurance Matters

Owning a recreational vehicle brings freedom — but it also comes with risks. Accidents, weather damage, and liability claims can lead to unexpected costs. Recreational insurance helps you protect your investment, your passengers, and your peace of mind.


With Quad State Insurance, you’ll have customized coverage designed for how and where you ride, drive, or sail in West Virginia.


Coverage can include:



  • Collision, theft, and storm damage protection
  • Liability coverage for injuries or property damage
  • Medical payments for you and your passengers
  • Comprehensive protection against fire, vandalism, or flooding
  • Towing and emergency roadside assistance

Our Recreational Insurance Options in WV and surrounding states

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Boat Insurance

Protect your watercraft from accidents, theft, or storm damage — whether you’re boating on Cheat Lake, Tygart Lake, or the Potomac River.


Learn more about Boat Insurance→

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RV & Motorhome Insurance

Your RV is your home on wheels. Get complete protection for your vehicle, belongings, and passengers — perfect for family trips through Berkeley County or cross-country adventures.


Learn more about RV Insurance→

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ATV & Off-Road Vehicle Insurance

From Preston County trails to Hatfield–McCoy adventures, we’ll help you stay protected on every ride with reliable ATV and UTV insurance.


Learn more about ATV Insurance→

Who Needs Recreational Vehicle Insurance?

If you own or operate any recreational vehicle, insurance is essential — especially in West Virginia, where outdoor lifestyles are part of everyday life. Our agents help:


  • Boat owners

  • ATV and UTV riders exploring

  • RV travelers and weekend campers

  • Families with multiple recreational vehicles

  • Seasonal residents with second homes and leisure property

Local Risks to Consider

West Virginia’s diverse landscapes bring both beauty and risk. Common hazards include:



  • Storm and wind damage on lakes and campgrounds

  • Flooding near rivers and low-lying areas

  • Trail accidents or property damage in off-road environments

  • Theft or vandalism of stored or parked vehicles

  • Winter weather risks like ice, snow, and falling debris

Recreational Insurance FAQs

  • Is recreational insurance required in West Virginia and surrounding states?

    Coverage requirements vary by vehicle type. For example, ATV insurance isn’t required by law but is highly recommended; boats and RVs often need coverage if financed or stored in marinas or parks.

  • Can I bundle my recreational insurance with home or auto?

    Yes! Bundling your recreational, auto, and home insurance policies in WV helps you save money and simplify your coverage.

  • Does recreational insurance cover passengers?

    Yes. Medical payments coverage can help pay for injuries to passengers in your ATV, RV, or boat.

  • Does it cover off-road or water accidents?

    Yes. Our policies include collision, liability, and comprehensive protection for accidents both on and off the road.

  • Do you offer bilingual support?

    Absolutely. Se habla español. Our bilingual team proudly serves West Virginia’s Spanish-speaking community.

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

At Quad State Insurance, we’re not just policy experts — we’re part of the community that loves the same adventures you do.

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Local Expertise – We understand West Virginia’s lakes, trails, and travel routes.

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Independent Advantage – We shop multiple carriers for the best rates and coverage options.

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Personal Service – Call and talk directly with a local agent — no call centers or phone trees.

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Bilingual Support – Se habla español. Serving clients in both English and Spanish.

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Trusted Choice® Member –  Recognized for client-first integrity and reliability.

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RECREATIONAL Insurance protection

Get the Right Recreational Insurance in Martinsburg, WV Today

Protect your adventures, your vehicles, and your peace of mind with Quad State Insurance. Our local agents in Martinsburg and Kingwood will help you compare boat, RV, and ATV insurance quotes across West Virginia WV and surrounding states— so you’re ready for the road, trail, or water ahead.