Get Quotes Contact Us Sign In
Website
Call
Smallwood-Small Insurance Roads may be full of twists and turns, but your insurance coverage & premiums shouldn't be! We'll find you the best protection at affordable rates. Whether you dwell ina dream home or a DIY labor of love, Smallwood and Small takes your domestic aspirations to heart. We've been supporting residents of the Eastern Panhandle with quality homeowners insurance for over 30 years.

Strategic solutions to your small business needs. Our employee benefit program and commercial products ensure that your company - and your team - are safe, supported, and suited for success.
Services
Be safe this New Year's Eve. Smallwood and Small Insurance was founded in 1981 by James W. Smallwood and C. H. "Jack" Small. Today, our team consists of agents who strive to continue their legacy. Our mission is to help protect our customers with all their insurance needs.
Our experts customize your policy at great rates-without compromising the coverage you deserve. Contact Smallwood and Small Insurance for policy quotes on the best affordable and reliable auto insurance in West Virginia, Virginia, and Maryland. Collision covers your car when you drive it into something (i.e. a tree, another car, a fence, etc.).
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. Home means many things to many people. Whether you dwell in a dream home, a DIY labor of love, or our renting to save up for a house, you've invested in your American dream, and it's our duty to protect it.
Live for today, but plan for tomorrow. Life and disability insurance give some peace of mind and fortitude to your loved ones' futures. Protect your legacy and ensure your loved ones are taken care of - especially if you're injured on the job or if you pass unexpectedly. Life and disability insurance are simple, economical ways to plan ahead while enjoying the now.
Reviews (17)
Write a Review
Edward Wilson
May 12, 2022
I have been insured with Erie through Smallwood & Small for more than 20 years. Their customer support is outstanding. My current agent contact, Tanya, is efficient, polite, and professional. I can't imagine meeting our insurance needs through any other agency.
Brian Masemer
Apr 12, 2022
Diamond Maldonado at Smallwood and Small has done a great job for my wife and I. We really appreciate her prompt and courteous service. She's a professional.
Connie Neewbraugh
Nov 24, 2021
Smallwood & Small Insurance has always gone the extra mile to provide outstanding customer service. Beth has been my insurance agent for many years and she is always just a phone call away. Customer service, coverage, and value you will not find a better agency!
Christy Mangold
Nov 02, 2021
We transferred to this company when we bought our house 3 years ago. Trust me we shopped around and could not beat the prices they gave us. my car insurance being full coverage alone went down $100. Not to mention the deals we got on homeowners insurance. We have always been treated like we have been with them a lot longer then 3 years and their receptionist is amazingly polite and gets you to where you need to be immediately!
Kenny Leonard
Aug 27, 2021
Smallwood & Small has handled all of my insurance needs from Commercial Auto to General Liability. I couldn't be more pleased with the relationship that is plus 20 years. They are very knowledgeable and very professional. Highly Recommend
Gwenn Powers
Jul 28, 2021
Samllwood and Small has been so helpful with all of my insurance needs. I have referred many people to them because they offer such great service. As a writer at a body shop I know how important it is to choose the right insurance carrier. They offer Erie insurance and it is hands down the best insurance company!
Moses Greenberg
Jul 27, 2021
Simply the best insurance company in Martinsburg. Smallwood & Small is a first class, very reliable & professional local insurance company. I have been a satisfied customer for over 20 years and they have always exceeded my customer service expectations (through multiple vehicle deer collisions to hail roof damage over the years). I very highly recommend Smallwood & Small for both home and auto insurance savings & service!
Rebecca Rohn
May 05, 2021
I'm from the Eastern Panhandle and have always had Smallwood & Small for my car insurance. For the past couple of years, I've been living in Morgantown, but maintained my insurance through them. Recently, I bought a house in Morgantown and, while they usually don't insure houses this far out of their area, they worked diligently with me to make sure that I had affordable homeowners insurance. Katie Gay has worked so hard with me and has been a wealth of information through this whole process.

Her and the folks at Smallwood & Small have always done right by me! She even sent my roommate (who is also insured through them) a get well soon card after she contracted COVID. She's super professional and an all around great person!
Robin Hitzel
Apr 21, 2021
They saved me about half of what I was paying in premiums with my previous insurance company, with the same coverage on both auto and home. My agent, Katie Gay, made the transition very easy, all over the phone. Katie is so pleasant and patient, and such a pleasure to work with. My only regret is, having done everything over the phone, I haven't had the pleasure of meeting this wonderful lady in person.
Bill Scott
Apr 05, 2021
Almost half the cost for home owners insurance on my new place with bundling my auto with their office. The car insurance is almost the same as state farm who I've been with for years. Katie Gay is kind, responsive, and provides great customer service. She even activated my policy when their office was closed so that on the day I closed my auto. insurance took effect and I could cancel my existing policy!

I like that their policies are for 12 months instead of six like most so you know your rate won't change for at least a minimum of a year. You can auto pay over twelve months or be billed for nine months pay a little bit more but not pay insurance then for 3 months since you pay your total premium when manually billed in a 9 month period! Looking forward to my journey with Erie. They also provide life insurance!
Jennifer Stanley
Mar 20, 2021
My husband recently had an accident on his way home from work. The police were not able to get there and they told him to just exchange information. I called Katie and she walked me through what to do and she followed up with us that night, the next morning to check on him and then a few days after that to see if she could be of assistance. Her commitment and follow through was wonderful!

The service we received from Katie and Smallwood and Small was outstanding! We would definitely recommended Smallwood and Small Insurance. Thank you Katie for providing great customer service!
Denise Penwell Miller
Feb 17, 2021
I was able to switch homeowners, auto and motorcycle insurances to Erie and save ALOT of money. They are great! Melody explained everything and was so pleasant to talk to. She was wonderful.
Jason Place
Feb 14, 2021
Smallwood & Small has been my auto and home insurance agent for over 25 years and the best compliment I can provide is I refer them to all of my real estate clients and family, they are the best!
Tessa Dutko
Feb 07, 2021
I called and spent 5 minutes on the phone and my car insurance rates were cut in half! I had been with Allstate for years and called other places like Geico, Liberty Mutual, State Farm, etc. All of them offered similar rates so I was sure that was the best rate I could get. I took a chance and called Smallwood & Small and I couldn't believe how much I had been overpaying for years.
Susan Woodward
Dec 22, 2020
Always great rates, fast service and very friendly. Would not go any where else but Smallwood-Small. Thanks to the girls who are always there to help me. Beth and Tanya
Howard S.
Jun 13, 2020
We had initially inquired with this agency about both auto and homeowners insurance and had decided to only pursue homeowners with them. When it came time to lock in, they wanted to hassle us about the age of our roof, which theoretically still has 4 years of scheduled life left and 3 experts have looked at it and can't cite any deficiencies besides being dated.

Then they wanted to give us a 10K deductible. Gee, I wonder if their office can substantiate that every WV insured's roof isn't over 30 years old? We've never had any agency or insurer cite anything about the circumstantial age of any roof we've owned. They even have Melody Ward (their employee) giving feedback on here boasting their feedback. I say AVOID this agency!
Sarah Rose
Nov 09, 2018
I've been with this insurance co. for over 7 years now. My grandfather, and stepfather both used them for business / car / home insurance. If you go in person to talk, they will work with you on prices (car insurance). They are a smaller company so it helps if you have a referral, as sometimes they are selective about who is chosen. I really like my agent, she is very patient with my questions, and is always honest about what is actually on my policy. I will say the sign up process is a bit longer than other call-in agencies, but i feel its is worth it!