Todd M. Powers

A Message from Todd

As August begins and summer starts to transition into back-to-school season, we can all feel it—the mix of excitement and nerves that comes with new schedules, new classrooms, and new routines. For many families, it’s a time of big change: packing lunches, buying supplies, adjusting mornings, and stepping into a year that feels both hopeful and a little uncertain.

In these moments, it helps to remember that growth takes courage. Whether your child is heading into a first classroom, moving to a new grade, or facing the challenges of a brand-new school year, you’re not alone. Behind every backpack and bus stop is a parent and family trying hard—learning the “new normal” and finding ways to feel confident even when things feel unknown.

This month, we’re reminded that strength isn’t always loud. Sometimes it looks like patience at the kitchen table, encouragement before the first day, and trusting that your effort matters. And just like Independence Day celebrates the freedom to choose and stand for what’s right, back-to-school is about choosing to show up—for your family, for your future, and for each other.

So as you welcome this new season—filled with early mornings, calendar updates, and moments that may feel overwhelming—may you also find steady confidence in the values that carry you through: faith, love, resilience, and community support.

From all of us at the agency, thank you for trusting us with your insurance and financial needs. We’re honored to support you and your family through every chapter—especially the ones that begin with anticipation and change.

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.

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 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.