Warning: "continue" targeting switch is equivalent to "break". Did you mean to use "continue 2"? in /nfs/c05/h01/mnt/76630/domains/smallwoodandsmall.com/html/wp-includes/pomo/plural-forms.php on line 210
Home Insurance In Martinsburg, West Virginia | Smallwood and Small
Your Total Insurance Solution

Contact Us | 304-263-3361

Erie insurance Policy Holders


Home Insurance In Martinsburg, West Virginia

You’ve invested in your American dream, and it’s our duty to protect it. Whether you own or rent your home, our insurance solutions preserve your abode and your adored possessions.

Quick Quote


Home Sweet Savings

Every policy we write, like every home we cover, is uniquely designed to your specifications. Unlike big-box providers, our policies are sized to your budget, your usage and your life.

Homeowners’ Insurance

Whether you dwell in a dream home or a DIY labor of love, Smallwood and Small takes your domestic aspirations to heart. As your neighbors and friends, our agents treat your home—and your policy—as if it was their own. Taking into account the age, value and upgrades within your home, we protect your assets and your abode.

Homeowners’ Liability Protection

While wind and fire damage, theft and vandalism coverage are customary components of standard policies, liability coverage protects you over and above your traditional policy. Liability policies protect you if someone is injured in an accident at your home or experiences property damage resulting from your negligence. Liability policies can cover you against claims or lawsuits related to such incidents. Fortify your future; explore your options today.

Renters’ Insurance

Your rent may cover your heat and utilities, but it doesn’t cover your personal possessions. Renters’ insurance delivers peace of mind if disaster strikes. Policies cover:

  • Your valuables in the event of damage or theft
  • Injuries sustained in your rental home and associated medical expenses
  • Additional living expenses if your rental becomes uninhabitable

Rent your home, own your future; request a quote today.

Mobile/Manufactured Home Insurance

Mobile or manufactured homes are built for easy living, but the going gets tough without the proper coverage. Our policies cover:

  • The structure of your home and outbuildings (shed or detached garage)
  • Your personal effects
  • Loss resulting from theft or vandalism
  • Wind, hail or fire damage
  • Personal liability protection

Get a quote today.

Boat Insurance

Take to the waters worry-free! Our specialized coverage protects your sailboat, fishing boat, houseboat or yacht from bow to stern. This comprehensive coverage protects against many types of losses. It covers:

  • Physical loss of—or damage to—your boat’s equipment, accessories, outboard motor or trailer
  • Liability protection for bodily injury or property damage
  • Medical payments coverage in the event of bodily injury
  • Extras such as repairs, emergency towing and replacement of personal effects

Sail securely and save—contact Smallwood and Small for a customized policy today.

Seasonal/Vacation Property Insurance

Whether you favor seaside cottages or rustic retreats, our seasonal property coverages help you savor the simple life. Even if you don’t have your primary home insured with us, we’ll tailor a policy to your use and to your budget. Our comprehensive property policies provide for accidental damage, liability and loss at your seasonal or secondary property. Relax and leave the rest to us—contact Smallwood and Small for a quote today.

Investment Property Insurance

In today’s economy, many people are capitalizing on market conditions by purchasing investment properties. Our specialized coverage protects your investment, your wallet and your sanity. Our coverage protects your asset in the event of theft, vandalism or disaster. And Erie Secure Home® guarantees the replacement cost of your home, covering it in full if it’s damaged or destroyed. Explore your options today.

Flood Insurance

Rain, hurricanes and high river flows can cause major economic woes. Given that traditional homeowners’ policies will not cover property damages resulting from flooding, flood insurance offers essential protection from the elements. For over 30 years, Smallwood and Small has advised homeowners on their flood risk levels and established appropriate coverages for their homes. Keep your finances afloat; contact us today.


Smallwood and Small in the Spotlight:

We were named a 2013 Erie Insurance Elite Award Winner for Personal Lines out of 2200 agencies nationwide!


We’re Networked for Net Savings

Our neighborhood agency is nationally networked for your safety, stability and savings. Our strategic partnership with the Mountain State Agency Alliance yields customers unparalleled access to top-rated carriers, including:

Erie Insurance
The Hartford
Liberty Mutual
National General
State Auto

We’re Solution Savvy.



Multi-policy discounts offer sensible savings.



Our agents know what’s essential—and what’s excessive.



We’re light on the lingo. We explain your options clearly.

Facebook Twitter LinkedIn Yelp