Renters Insurance in Martinsburg, VW – Quad State Insurance

Affordable Renters Insurance in Martinsburg, WV – Protection for What Matters Most

At Quad State Insurance, we know your home is more than four walls — it’s where your life happens. Whether you rent an apartment in Martinsburg, a townhouse in Kingwood, or a student rental near Shepherdstown, renters insurance protects your belongings and your peace of mind from the unexpected.



As your local independent insurance agency, we compare top carriers to get you affordable, dependable coverage. At Quad State Insurance, we call it Insurance Made Simple. Service Made Better.

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Why Renters Insurance Matters

Your landlord’s policy covers the building — but not your belongings. Renters insurance in West Virginia protects you against loss or damage to your personal property, and provides liability protection if someone is injured in your home. With renters insurance in Martinsburg, WV, you’re covered for:


  • Fire, smoke, or water damage to your personal items
  • Theft or vandalism of your belongings
  • Liability if a guest is injured in your rental
  • Additional living expenses if you’re displaced by a covered loss

What Our Renters Insurance Covers

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Personal Property Coverage

Covers your furniture, electronics, clothing, and valuables if they’re damaged or stolen.

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Liability Protection

Protects you financially if someone is injured in your rental or you accidentally damage their property.

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Medical Payments to Others

Pays for minor medical bills if a guest is hurt in your home, regardless of fault.

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Loss of Use Coverage

Covers hotel stays, meals, and other living expenses if you’re temporarily displaced by a covered event.

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Optional Flood or Earthquake Coverage

Add extra protection for natural disasters not covered in standard renters policies.

Customize Your Renters Policy

We make it easy to personalize your renters insurance with affordable add-ons like:



  • Replacement Cost Coverage – Replaces lost or damaged items at today’s prices.

  • Scheduled Property Coverage – Adds protection for high-value items like jewelry or instruments.

  • Identity Theft Protection – Covers costs if your identity or accounts are compromised.

  • Pet Liability Coverage – Protects against damages or injuries caused by your pets.

Who Needs Renters Insurance in Martinsburg, WV?

Renters insurance isn’t just for apartments — it’s for anyone leasing a home or property in West Virginia. Our agents help:


  • Apartment and townhouse renters in Martinsburg, Kingwood, and Morgantown

  • College students living off-campus near Shepherd University

  • Families leasing single-family homes

  • Renters with pets or valuable belongings

  • Military members or contractors renting short-term housing
Local Risks to Consider in West Virginia
  • Storm and wind damage to rental properties in Berkeley and Preston Counties

  • Water damage or pipe bursts during freezing winters

  • Theft and vandalism in high-traffic apartment complexes

  • Liability claims from pet-related or guest injuries

Renters Insurance FAQs

  • Is renters insurance required in West Virginia?

    It’s not required by state law, but many landlords require proof of renters insurance before you move in.

  • Does renters insurance cover my roommate’s belongings?

    No. Each renter needs their own policy to ensure their belongings are protected.

  • Can I bundle renters and auto insurance in WV?

    Yes! Bundling renters and auto insurance can help you save money and simplify your coverage.

  • Does renters insurance cover flood damage?

    Flooding isn’t covered in standard renters policies, but we can add flood coverage for high-risk areas in WV.

  • How much renters insurance do I need?

    That depends on the value of your belongings and your budget. Our agents will help you find the perfect balance of protection and price.

Why Choose Quad State Insurance for Renters Insurance in WV

At Quad State Insurance, we’re more than just your insurance agents — we’re your neighbors.

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Local Knowledge –  We understand the housing markets and renter needs in Martinsburg, Kingwood, and across West Virginia.

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Independent Advantage –  We shop multiple carriers for the best combination of coverage and price.

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Personal Service – When you call, you’ll talk to a local agent — not a call center.

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Bilingual Support – Se habla español. Our bilingual team proudly serves 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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renters Insurance protection

Get the Right Renters Insurance in Martinsburg, WV Today

Protect your belongings, your peace of mind, and your future with Quad State Insurance. Our local agents will help you compare renters insurance quotes in Martinsburg, WV, and beyond — so you’re covered wherever you call home.