Frequently Asked Questions – Quad State Insurance

Yes. Renters insurance protects your personal belongings from fire, theft, and other risks. It also includes liability coverage if someone is injured in your rental unit. Landlords insure the building, but not your possessions — renters insurance makes sure you’re covered.

Absolutely. Many clients in Martinsburg and Kingwood save money by bundling home and auto insurance with Quad State. Bundling also makes managing your policies easier.

Auto liability insurance covers damages and injuries you cause to others. Full coverage includes liability plus protection for your own vehicle (collision and comprehensive), so you’re covered in more situations like accidents, theft, or storm damage.

While Quad State specializes in auto, home, farm, and business insurance, we can connect you with trusted life insurance providers if you need coverage.

It’s not legally required for all businesses, but most contracts, landlords, and clients require proof of general liability coverage. It’s one of the most important policies for protecting your business from lawsuits.

General liability covers physical risks (like customer injuries or property damage). Professional liability (E&O insurance) protects service-based businesses from claims of mistakes, negligence, or bad advice.

Yes. West Virginia law requires most employers with even one employee to carry workers’ compensation insurance to protect employees from workplace injuries.

Yes. Quad State provides  label="" type="page" href="/commercial-insurance" data-runtime-url="/commercial-insurance">commercial auto insurance in WV for single vehicles, fleets, and work trucks used by contractors, farms, and small businesses.

Yes. Standard homeowners or business policies don’t cover many of the unique risks farmers face. Farm insurance is designed to protect your dwelling, barns, machinery, crops, livestock, and liability exposures.

We insure a wide range of operations, including crop farms, dairy farms, livestock operations, and family farms across West Virginia. We also provide coverage for hobby farms and part-time farmers.

Yes. Many farm owners policies combine farm dwelling coverage with personal belongings protection, plus liability coverage for accidents on your property.

Yes. Tractors, combines, and other essential machinery can be protected against theft, fire, and accidental damage.

Yes. Many farmers save money by bundling farm insurance with personal-insurance, commercial policies, or umbrella coverage.

Yes. Se habla español. Our Martinsburg team includes bilingual agents who can serve Spanish-speaking clients.

Most quotes are turned around within 24–48 hours. Uploading your current policy declarations page helps us provide a faster and more accurate quote.

Quad State represents Farmers & Mechanics Mutual of WV along with multiple national and regional carriers like Progressive, GEICO, and Liberty Mutual — giving you more options and competitive rates.

Yes. You can pay online directly through your carrier. Visit our Pay Your Bill page for carrier payment links.

Most carriers accept Visa, Mastercard, Discover, debit card, and check. Payment options vary by carrier.

For billing questions, you can call your carrier directly (their billing department is listed on your statement), or you can contact our Martinsburg or Kingwood offices. Our agents are happy to help review your account and guide you through payment options.