Todd M. Powers

A Message from Todd

September has arrived, and with it comes one of those special times of year when two seasons seem to overlap. The kids are back in school, football is back on our weekends, and we’re holding on to the last few weeks of summer while knowing that fall in Northwestern Pennsylvania isn’t far away.

For families, this time of year brings a return to routine—school buses in the morning, practices and activities in the afternoon, homework at the kitchen table, and weekends that somehow fill up faster than we expect. After the more relaxed pace of summer, September has a way of reminding us just how quickly life moves.

It’s also a good reminder to appreciate the moments in between. One more evening outside. One more weekend at the lake. Friday night football under the lights. A Saturday or Sunday spent cheering on your favorite team. And maybe, if we’re lucky, a few more beautiful Erie sunsets before the leaves begin to change.

At our agency, we know that life is made up of seasons like these. Families grow, kids head off to school and college, homes and businesses change, and the things we’ve worked hard to build evolve right along with us. That’s why we believe insurance should be about more than policies—it should be about helping you protect the people, places, and future that matter most to you.

As we head into fall, I hope you find some time to enjoy these final days of summer, settle into the new school-year rhythm, cheer a little too loudly for your team, and appreciate the people you get to share it all with.

From all of us at Todd M. Powers Insurance Agency, thank you for the confidence you place in our team. We’re grateful for the opportunity to serve our customers and our community and to be here for you through every season of life.

With appreciation,

Todd

ABOUT THE AGENCY

We pride ourselves on being a valuable resource and providing easy to understand insurance and financial service options for our customers and the community we serve. People tell us they love doing business with us because we are people-pleasers and problem solvers and prioritize high-level personalized service, which seems to be a bit of a rarity these days.

You can expect honest, friendly, personal attention delivered by knowledgeable, experienced pro's. Whether you visit us in person at our office, online, or virtually using the latest technology, we strive to be the perfect modern-day blend of Human + Digital to be here when you need us.

See for yourself - read our reviews and see what our customers say about us.

Why Customers Choose Us

• Friendly, high-level personal service

• Honest conversations and clear explanations

• Knowledgeable, experienced team members

• Convenient Human + Digital options to serve you

• Committed to listening and understanding above all else

Relocating to Erie or Northwest Pennsylvania?

Moving to Erie, Millcreek, Harborcreek, Fairview, Girard, Waterford, Edinboro, or another Northwest Pennsylvania or Northern Ohio community? Let us make it easy. We enjoy helping individuals and families relocating throughout Pennsylvania and Ohio make are known to make the transition as smooth as possible.

We Love Our LECOM Connection

We appreciate our strong connection with the LECOM community and understand the insurance needs of students, faculty, healthcare professionals, and their families. Whether you're moving into an apartment, relocating for school, or beginning a new career, we're here to help.

Thinking about Retirement?

Am I on the right path? Will I have enough? When can I retire? Let's build a personalized plan that coordinates all your assets, answers these questions, and gives you financial clarity. Whether you're just getting started or retirement is right around the corner, I can help you plan so you can retire with confidence.

Buying a Home?

Buying a home is exciting, and choosing home insurance is an important step that happens right after your offer is accepted. As a leading agency, our office works with homebuyers throughout Erie, Northwest Pennsylvania, and Ohio to help make the process simple and easy for the homebuyer, realtor, and lender. Call us first!

Late Summer & Back to School Insurance

As families prepare for a new school year, many life changes can affect insurance needs. Teen drivers may be getting their licenses, college students may be moving into apartments, and families may be purchasing vehicles or relocating before classes begin.

Our office is happy to help you review options for:

• Laptop coverage for accidental damage, breakdown, or theft

• Renters Insurance for apartments and off-campus housing

• Taking a car to school? Auto Insurance for new and experienced drivers

• Life Insurance to hedge school loans

• Financial Services conversations for changing life stages

If your household has experienced changes this summer, we'd love the opportunity to review your coverage and answer your questions.

Life Insurance for All Stages of Your Life

Life insurance can help you prepare for the unexpected and provide financial support for the people who matter most. Todd M. Powers State Farm in Erie, PA can help you explore life insurance options based on your needs, goals, and budget. Whether you're starting a family, planning for the future, or reviewing your current coverage, contact our office to discuss a policy that fits your situation.

About Todd

When I'm not in the office, you'll usually find me spending time with my family and friends. I'm a relationship person at heart, and I enjoy creating memories through travel, outdoor adventures, campfires, sharing a good meal, and spending quality time with the people who matter most.

Giving back is also an important part of my life. I enjoy supporting organizations that make a difference in our community and dedicating time to causes that are meaningful to my family. You may see me coaching a local youth sports team, volunteering in the community, or serving on the executive committee of several local nonprofit organizations.

People often ask about the initials after my name. I simply enjoy learning and finding new ways to better serve the people around me. Along with my professional designations and licenses, I believe continuing to learn allows me to provide knowledgeable guidance and meaningful conversations for the customers we serve.

Most importantly, I strive to provide remarkable care for both my team and our customers while helping them stay focused on their personal, professional, and long-term goals.

Since December 1, 1999, we've proudly served the insurance and financial services needs of customers throughout Erie, Millcreek, Frontier, Fairview, Girard, Wesleyville, Harborcreek, McKean, Waterford, Edinboro, Pennsylvania, and Ohio.

We'd love the opportunity to get to know you. Call, text, click, or stop by our office today.

Frequently Asked Questions – Insurance in Erie & Northwest Pennsylvania

Why should I consider life insurance? Life insurance can help provide financial support to your loved ones after your death, including help with everyday expenses, debts, education costs, and other financial needs.

What types of life insurance does State Farm offer? State Farm offers several life insurance options, including term, whole, and UL policies. Todd M. Powers can help you understand the differences and explore which option may be right for you.

How much life insurance coverage do I need? The right amount depends on factors such as your income, debts, family responsibilities, and long-term goals. Our Erie office can help you review your needs and available coverage options.

How can I get a life insurance quote in Erie, PA? Contact Todd M. Powers State Farm to discuss your life insurance needs and get started with a personalized quote.

Why is late summer a good time to review my insurance coverage?

Late summer often brings changing routines, new drivers, college moves, home purchases, and travel. Reviewing your auto, home, renters, and life insurance before the school year begins may help ensure your coverage still matches your needs.

Does homeowners insurance cover summer storm damage?

Summer weather in Northwest Pennsylvania can bring heavy rain, wind, and strong storms. Many homeowners insurance plans may provide coverage for sudden storm damage. Coverage varies, so our office is happy to review your current coverage with you.

What home maintenance should homeowners complete before fall?

Late summer is a good time to inspect your roof, gutters, siding, trees, and drainage around your home before fall weather arrives. Seasonal maintenance may help reduce the chance of weather-related damage.

Should I review my auto insurance before adding a teen driver?

Adding a newly licensed driver or purchasing another vehicle is a common reason to review your auto insurance. Our office is happy to explain your coverage options and answer your questions.

I'm buying a home before school starts. When should I set up home insurance?

It's helpful to arrange home insurance before closing on your new home. We work with homebuyers throughout Erie and Northwest Pennsylvania to coordinate coverage before move-in day.

Is renters insurance important for apartments in Erie?

Renters insurance may help protect personal belongings and may provide liability coverage if someone is injured in your apartment or rental home. Many renters choose this coverage to help protect what matters most.

What insurance should college students or LECOM students consider?

Students living off campus often ask about renters insurance for personal belongings and auto insurance if they're bringing a vehicle to school. Our office enjoys helping students and families explore their options.

How much auto insurance is required in Pennsylvania?

Pennsylvania requires minimum liability coverage for drivers, although many people choose different coverage options based on their individual needs. Our office can explain the available options and answer your questions.

How often should I review my insurance coverage?

Many customers choose to review their insurance once a year or after major life events, including moving, purchasing a home, adding a driver, sending a student to college, starting a family, or approaching retirement.