Recommended elite-level agency with higher expertise to match insurance coverage. Recommended Local Agency
Mountain State Insurance Agency, Inc.
  • Business
  • Home
  • Auto

Mountain State Insurance Agency, Inc.

Independent Insurance Agent in Charleston, WV

About us

Relationships Built on Trust.

At Mountain State Insurance, we specialize in meeting the personal insurance needs of professionals and their families in the greater Charleston Area for over 100 years.

We are proud to provide homeowners , auto, and small business insurance, as well as financial services products and employee benefits to businesses and individuals throughout our region. We work to proactively develop a clear understanding of our clients' and prospective clients' needs, and to provide the practical solutions to meet those needs.

We focus on industries and specialties where we have valuable and appropriate expertise and resources. In so doing, we go about our business with uncompromising integrity, ethics, passion, professionalism and competence.

Call us today at (304)720-2000 or visit our website at to learn more about what Mountain State can offer you!

Like and follow us on Facebook and Instagram @MountainStateInsurance to keep up with news and events!

Personal and Commercial Lines insurance professionals

Ask me about these types of insurance...

Having the right car insurance is so important, even more important is understanding all the ins and outs of your coverage to help protect you.

Request an automobile insurance quote

An independent insurance agent will make sure that your business is covered in the event of a catastrophe or sudden loss.

Request a business insurance quote

Get multiple quotes on your homeowners insurance with one phone call. Let an independent agent shop for you.

Request a homeowners insurance quote

If a data breach does happen, it's a wise decision to have a cyber liability insurance policy to help your company stay secure.

Request a cyber liability quote

An independent insurance agent will walk you through top umbrella policy options to make sure you have the proper coverage to tackle above and beyond claims.

Request an umbrella insurance quote

Restaurant insurance is a combo platter of coverage that protects your customers, employees, property and inventory.

Request a restaurant insurance quote

Why choose Mountain State Insurance Agency, Inc.

States we serve

  • Kentucky
  • Ohio
  • Pennsylvania
  • West Virginia

Our insurance coverages

Personal insurance coverage

  • ATV
  • Automobile
  • Boat
  • Builders Risk / Construction
  • Collectible Auto
  • Condo
  • Earthquake
  • Farm
  • Flood
  • Health
  • Home
  • Identity Fraud
  • Landlord
  • Mobile Home
  • Motorcycle
  • Other
  • Personal Watercraft
  • Pet
  • RV / Motorhome
  • Renters
  • Short-Term / Sharing
  • Snowmobile
  • Special Event
  • Travel Trailer
  • Umbrella
  • Vacant Land
  • Valuable Items

Business insurance coverage

  • Bonds
  • Builders Risk
  • Business Owners Package (BOP)
  • Business Vehicle
  • Contractors Equipment
  • Cyber Liability
  • Directors & Officers
  • Employment Practices Liability
  • Errors & Omissions
  • General Liability
  • Inland Marine
  • Other
  • Professional Liability
  • Property
  • Umbrella / Excess
  • Workers' Compensation

Industries we serve

  • Accommodation and Food Services
  • Administrative and Support and Waste Management and Remediation Services
  • Agriculture, Forestry, Fishing and Hunting
  • Arts, Entertainment, and Recreation
  • Construction
  • Educational Services
  • Finance and Insurance
  • Health Care and Social Assistance
  • Information
  • Management of Companies and Enterprises
  • Manufacturing - Food / Beverage / Textiles / Apparel / Leather
  • Manufacturing - Metal / Machinery / Computer / Electrical / Transportation / Furniture
  • Manufacturing - Wood / Paper / Paper / Mining / Plastics
  • Mining, Quarrying, and Oil and Gas Extraction
  • Professional, Scientific, and Technical Services
  • Public Administration
  • Real Estate and Rental and Leasing
  • Retail - Sporting Goods / Hobby / Music / General / Misc.
  • Retail - Vehicle / Home / Furniture / Building / Garden / Food / Health / Gas / Clothing
  • Transportation - Air / Rail / Water / Truck / Transit / Ground / Pipeline / Scenic
  • Transportation and Warehousing
  • Utilities
  • Wholesale Trade

Recommended insurance company partners

Other companies we work with:

Chubb, Cincinnati Insurance Company, Oxford Life Insurance Company, RPS, Vindati

Mountain State Insurance Agency, Inc. Team

Matthew Kerns - Agent
Matthew Kerns
(304) 341-1204
  • CIC
Ross Johnson - President
Ross Johnson
  • CIC
Patrick Kee
Patrick Kee
Brady Campbell - Producer
Brady Campbell
  • CIC
  • CLCS
Kimberly Brown
Kimberly Brown

Mountain State Insurance Agency, Inc. Reviews

Average based on 13 reviews Leave a review

Customer Reviews

May 26, 2021

As an electrical contractor, the NCCI classification system provides several classifications for our payroll to be assigned to, according to the specific type of work being performed. When Mountain State Insurance reviewed our last payroll audit they identified errors, disputed the audit for us, and obtained a 59% reduction in our audit premium.

May 26, 2021

I'm impressed by the fact that the folks at Mountain State have gone to great lengths to truly understand my business. It's refreshing to work with an insurance agent who recognizes the intricacies of the oil and gas industry and can offer targeted solutions to our specific needs. This has paid great dividends in tailoring a cost-effective, yet comprehensive, insurance program for my company.

September 22, 2020

I spoke with Ella to get a quote for my moms home. Ella was prompt in her reply, very professional and friendly. She followed up as promised and provided excellent customer service. I would highly recommend this business for your insurance needs.

September 22, 2020

August 3, 2020

Full service insurance agency. Meets all of our commercial policy needs with very responsive service.

July 29, 2020

Great to deal with. Ella does a great job, and answers my questions day or night.

July 22, 2020

Matt kerns is my direct agent. Mountain state Insurance is a great company to work with. I couldn't be happier with their service.

July 20, 2020

We shopped around looking for an insurance company that could handle our auto, home, and personal liability insurance. Changing to Mountain State Insurance was an excellent decision for all our insurance needs!

July 1, 2020

I have been a customer for years, my agent is amazing and gets things done in a very timely manner. I appreciate the excellent service that I have always received, there is none better! Highly recommend.

June 11, 2020

I appreciate the quick response and the follow thru with Mountain State in any claim that we have had. They see the claim thru and give you the added support when you need it. Great group of folks!!!


Mountain State Insurance Agency, Inc.

Relationships Built on Trust.

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