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As an independent agency, we are here to help you find the right coverage.
Auto Insurance
Your vehicle can be a costly investment. Make sure you have the protection you need.
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Renters Insurance
We’ll design coverage to protect your personal property and your lifestyle while renting.
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Business Owners Insurance
We’ll design a coverage plan that protects your business from a variety of risks.
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General Liability Insurance
No matter the size and nature of your business, there are always uncertainties.
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St. Marys Insurance Agency, Inc. & Affiliates
80
years serving our clients
40
team members
8
office locations
For over 80 years, St. Marys Insurance Agency has been providing personalized insurance solutions from agents who truly care. We have since grown to eight office locations and are proud to offer the same level of customer service with a local touch.
We are an award-winning, independent insurance agency with one priority—you. Because we represent multiple insurance companies, we have access to a variety of coverage options to bring you the best value when it comes to price, policy, and service.
Agency Achievements
- F.W. Hirt Quality Agent Award
- Branch Elite Award
- 16 Total Elite Awards
- View even more of our awards
Insurance alone only gets you so far. That’s why having the right insurance advisor and advocate by your side is essential. By building a relationship with you, we are able to inform you about your unique risks while offering comprehensive insurance solutions to help protect you from the unexpected and plan for the predictable. Read more about us!
The Advantage of an Independent Agency Working for You
What makes our independent agency different?
- We represent multiple insurance companies.
- We are licensed insurance advisors.
- We are by your side every step of the way.
- We offer a wide variety of insurance solutions.
- We are there for you in your time of need.
Find Out How
Award-Winning
Over the years, we have been recognized for our dedicated customer service and our commitment to our clients.
View Our Awards
Clients Come First
We are committed to service and go the extra mile to exceed your expectations, no matter what you need.
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Experienced Agents
With over 40 experienced agents, we understand what it takes to bring you quality coverage.
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Visit Our Office
Contact one of our eight office locations for insurance solutions you can count on.
St. Marys Insurance Agency, Inc. & Affiliates + Erie Insurance
We strive to uphold Erie Insurance’s long-standing commitment to service.
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Real clients. Real reviews. Real coverage.
Check out our reviews and see why you should switch to St. Marys Insurance Agency, Inc. & Affiliates.
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”These guys have been helping me out with my business insurance needs for years and years.
Barb Peters
”I'm renewing because the rates remain low, and the service is unbelievable.
Brian Stauffer
”Super friendly and helpful, the best choice for the best rates!
Rachel Mateo
Interactive Graphic
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Get a glimpse of the risks you face and how your insurance can protect what matters most.
Providing for Your Family
Risk Factor
Raising a child is a rewarding and important life experience. It is also very expensive. The average cost of raising a child, born in 2013, to age 18 is more than $300,000. If you were to die tomorrow, would your spouse be able to provide food, clothes, daycare, and eventually college tuition for your child? In 2013, the average cost of tuition, fees, room and board for a private college was $41,412 per year.
Solution
Having life insurance could secure the future for your children if you have an untimely death. With a life insurance policy, there would be enough income to help pay for everything your child could need while growing up.
Mortgage Payments
Risk Factor
After your death, any outstanding debt and financial obligations do not disappear. Your home is probably the costliest and most significant property you own. A mortgage payment is a large burden for a widow or widower to carry.
Solution
A life insurance policy would allow your spouse or children to pay off your outstanding debts and spare them the stress of making monthly payments on the home and car(s).
Auto Payments
Risk Factor
Many families lease or finance their automobiles these days. If the primary earner in the family were to die, the family could be left with outstanding car payments for years to come.
Solution
A life insurance policy would allow your spouse or children to pay off your outstanding debts and spare them the stress of making monthly payments on your car(s).
Funeral Costs
Risk Factor
The average funeral costs about $10,000. That high price is for standard things, not unnecessary options or luxurious services. A death in the family is stressful enough; why add the hefty bill of a funeral to that stress?
Solution
A life insurance policy can easily cover the cost of a funeral. Your family will be able to think of you and have peace of mind without being burdened by funeral costs.
Protecting Your Retirement Savings
Risk Factor
Once you retire, you will be living off social security, and if you are lucky to have them, a pension or retirement fund, too. But what if the surviving spouse has been relying on you to fund retirement for the couple? Premature death of an earner can affect sources of retirement benefits such as Social Security benefits.
Solution
Life insurance can help support a surviving spouse during his or her retirement.
Protecting Your Small Business
Risk Factor
If you passed away, would your business suffer? There are many complications and financial issues that can arise due to the death of a business owner. Many people overlook this predicament.
Solution
A life insurance policy can keep a business moving along even during tough times, such as the loss of the business owner/partner. Key person life insurance is payable to the company and provides money for training and hiring of a new employee. A buy-sell agreement, funded by life insurance, allows the other partners in the business to buy the deceased’s share of the business, which will provide money for his or her family.
Spousal Support / Income Replacement
Risk Factor
Many people mistakenly think that they don’t need life insurance if they don’t have children or if their children are grown. However, your financial responsibilities fall to your family when you are gone.
Solution
Life insurance can replace the income you would usually bring in and help support your spouse or adult children. Keeping your loved ones living in the way they are accustomed to is an important thing to think about.
Life Insurance 101
Make sure you cover the unique risks you face with life insurance.
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