Homeowners Insurance

Homeowners Insurance That Feels Like Home

Your home isn’t just four walls and a roof—it’s where life happens. From snowy mornings in Shepherdstown to cookouts on your back porch, your home deserves protection that reflects its value and your lifestyle.



At Insurance Outfitters®, we build custom homeowners policies that go beyond the basics. Whether you’re a first-time buyer or managing multiple properties, we’ll walk you through your options and help you secure coverage that fits just right.

What We Cover

  • Primary Residences
  • Vacation & Secondary Homes
  • Historic & High-Value Homes
  • Condos & Townhouses
  • Rental Properties (Landlord Policies)

What Your Policy Can Include

  • Dwelling & structural coverage
  • Liability protection
  • Personal belongings
  • Medical payments
  • Loss of use
  • Add-ons like water backup, equipment breakdown, and more
A black and white icon of a house with a key on top of it.

Why It Matters

With rising rebuild costs, unexpected weather, and evolving risks, your policy shouldn’t be a set-it-and-forget-it document. We’ll help you keep your coverage current—and your peace of mind intact.

Let's Connect

Ready to Safeguard Your Space?

Let’s talk about your home and what it needs. You’ll get clear options, honest advice, and support when it counts.