Personal Insurance 

We offer affordable personal insurance in WV and nearby states. From protecting your home and car to safeguarding your family’s future, our local team makes insurance simple, clear, and personal.

Our Personal Insurance Options

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Home Insurance in wv

Protect your house and everything inside it from storms, fire, theft, and more. We’ll help you find the right homeowners insurance tailored to West Virginia risks.

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Auto Insurance in wv

Stay confident on the road with coverage for accidents, liability, and uninsured drivers. Our auto insurance options keep West Virginia drivers protected at every turn.

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Pet Insurance in vw

With customizable policies, we’ll help you find affordable pet insurance that gives you peace of mind and ensures your pets receive the best possible care.

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Renters Insurance in vw

Your landlord’s policy doesn’t cover your belongings. Our renters insurance protects personal property, liability, and living expenses if disaster strikes.

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Condo Insurance in wv

Condo association coverage won’t protect your unit’s interior or belongings. Our condo insurance policies cover what matters most inside your home.

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Second Home Insurance in wv

Second homes face unique risks. We provide tailored mobile home coverage to safeguard your property, belongings, and financial security.

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Motorcycle Insurance in wv

Ride with peace of mind. Our motorcycle insurance policies protect you, your bike, and your passengers across West Virginia roads.

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Boat Insurance in wv

We help boat owners stay protected with coverage for liability, storm damage, theft, and more.

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Umbrella Insurance in wv

Add an extra layer of liability protection beyond your home, auto, or business policies. Umbrella insurance ensures your assets are secure when basic coverage isn’t enough.

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Recreational Insurance in wv

Protect your fun — from RVs and campers to ATVs and jet skis. Recreational insurance covers the vehicles that make West Virginia living exciting.

Why Choose Quad State Insurance Agency?

We Work for You-Not the Insurance Companies

As a local independent insurance agency, we put your needs first. That means we shop multiple top-rated carriers to find the right coverage at the best price — giving you options, flexibility, and peace of mind.

FAQs

  • Is Quad State Insurance an independent agency?

    Yes. Quad State Insurance is a local independent insurance agency serving West Virginia. That means we’re not tied to one carrier — we work with multiple top-rated companies to compare coverage and pricing, ensuring you get the best protection for your needs.

  • Where are your offices located?

    We have offices in Martinsburg and Kingwood, West Virginia, proudly serving surrounding communities including Charles Town, Shepherdstown, Berkeley County, and Preston County. We also assist clients across the entire state through phone, email, and virtual consultations.

  • What types of insurance does Quad State offer?

    We provide a full range of personal and commercial insurance solutions, including home, auto, farm, business, flood, and recreational vehicle insurance. As a Trusted Choice® agency, we’re dedicated to helping West Virginia families, farmers, and small businesses find coverage that fits their lifestyle.

  • Do you offer bilingual service?

    Yes — Se habla español. Our bilingual agents are here to serve both English and Spanish-speaking clients across West Virginia. We believe clear communication helps every customer make confident insurance decisions.

Protect What Matters Most

Whether you need home, auto, farm, or business insurance, Quad State Insurance is here to help. Proudly serving Martinsburg, Kingwood, and communities across West Virginia with trusted, bilingual service.