Seasonal Home Insurance in Martinsburg, WV – Quad State Insurance

Protect Your Vacation Property with Seasonal Home Insurance  in WV and surrounding states

Your vacation home is more than a getaway — it’s an investment in your lifestyle and your family’s future. At Quad State Insurance, we provide reliable seasonal home insurance in Martinsburg, WV, with coverage for cabins, cottages, and secondary homes across Kingwood, Morgantown, Berkeley County, and throughout West Virginia.


As an independent agency, we shop multiple carriers so you always get the best protection for your seasonal or vacation home at the best value.

Two white houses with lake view, backed by green trees and a mountain.
People sitting on a couch looking at a phone, with a boy, and girl beside them.

Why Seasonal Home Insurance Matters

Seasonal and vacation homes face unique risks compared to primary residences. From long periods of vacancy to location-specific hazards, having seasonal home insurance in WV means you’re protected against:


  • Fire, storm, and hail damage
  • Theft, vandalism, or burglary while vacant
  • Frozen pipes and water damage during winter months
  • Liability risks if guests are injured on your property
  • Losses not typically covered by standard home insurance

What Our Seasonal Home Insurance Covers

Shield icon with a person inside.

Customized Coverage

Tailored protection for vacation homes, cabins, cottages, and secondary residences.

House icon with shield depicting weather protection.

Year-Round Protection

Coverage for seasonal risks in West Virginia, including winter storm damage, flooding, and heavy rain.

A stick figure kicking a shield with a checkmark, symbolizing safety.

Extended Liability Coverage

Protection if renters, visitors, or guests are injured at your property.

Black plus sign in a black circle.

Medical Payments

Helps pay medical bills for you and your passenger.

Shield protecting a coin with a dollar sign.

Additional Coverage Options

Options like flood insurance in WV, umbrella liability, and protection for sheds, docks, and outbuildings.

A TV on a cabinet with a small plant to its right. Black and white illustration.

Personal Belongings

Covers furniture, appliances, and valuables stored in your seasonal home.

Who Needs Seasonal Home Insurance?

This coverage is essential for anyone who owns a secondary or vacation property in West Virginia, including:


  • Families with a lakeside or mountain cabin in Preston or Berkeley County

  • Homeowners with riverfront cottages or seasonal vacation houses

  • Landlords renting out cabins or cottages part of the year

  • Snowbirds leaving homes vacant during winter months

  • Owners of hunting cabins, weekend retreats, or rural secondary homes
Local Risks to Consider:
  • Increased risk of theft and vandalism when vacation homes sit vacant for long periods.

  • Frozen pipes and ice damage during WV’s harsh winter months.

  • Storm damage from heavy rains, hail, and high winds common in Berkeley and Preston Counties.

  • Higher fire risk in remote seasonal cabins with limited access to fire services.

  • Liability risks if renters, guests, or family members are injured on the property.

FAQs – Seasonal Home Insurance in West Virginia

  • Is seasonal home insurance required in West Virginia and surrounding states?

    Not by law, but most lenders, HOAs, and rental agreements require coverage for secondary residences.

  • Does seasonal home insurance cost more than regular home insurance?

    Yes. Seasonal homes often cost more to insure due to vacancy risks, but as an independent agency, we compare multiple carriers to find affordable options.

  • Can I bundle seasonal home insurance with auto or primary home coverage?

    Absolutely. Many homeowners save money by bundling seasonal home insurance with auto or primary home insurance in Martinsburg, WV.

  • Do you insure cabins, cottages, and vacation rentals?

    Yes. We cover cabins, cottages, rental vacation homes, and seasonal properties across West Virginia.

Why Choose Quad State Insurance for Seasonal Home Insurance in WV

A group of people with three stars on a white background.

Local Knowledge – We understand the unique risks of West Virginia’s seasonal homes, from mountain snow to flood-prone areas.

A black and white icon of a ribbon with a check mark in the middle.

Independent Advantage – We represent multiple top-rated carriers for better pricing and tailored options.

A black and white icon of an umbrella and a shield with a cross on it.

Personal Service  – Speak directly with agents in Martinsburg or Kingwood — no call centers.

A black and white icon of a shield with a check mark on it.

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

Keys in a door lock, wooden door ajar, blurred green background.
Protect Your SEASONAL HOME with Confidence

Get the Right Seasonal Home Insurance in WV Today

Don’t leave your vacation property unprotected. Quad State Insurance provides seasonal home insurance in Martinsburg, Kingwood, and Morgantown, WV, designed to safeguard your retreat year-round.