Todd M. Powers

A Message from Todd

This time of year we can't help but feel the effects of this long, hard, very cold winter. This challenging season can test our patience and resilience, but it also offers an opportunity to find strength and hope amidst the cold.

During this season, it’s important to remember that even the coldest and darkest times eventually give way to warmth and light. Whether through small acts of kindness, moments of reflection, or connection with those around us, we can find comfort and encouragement to keep moving forward.

From everyone at the agency, thank you for trusting us with your insurance needs. We remain committed to supporting you through every season, and we look forward to warmer days ahead.

Wishing you warmth, positivity, and good health, as we begin the transition to spring.

With heartfelt thanks,

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 personal relationship people and we make it easy and convenient. You can expect honest, friendly, personal attention delivered by knowledgeable pro's in a fresh, modern office environment; or virtually using the latest technology.

• Relocating to Erie or Northwest PA? Let Us Make it Easy

• Serving our customers throughout Pennsylvania and Ohio

• Approaching Retirement? Make the Transition with Confidence - I Can Help You Plan

• We Love Our LECOM Connection & Understand Your Unique Needs

• Auto Insurance and Home Insurance Bundles Made Fresh Daily

• Buying a Home? Call Us First

• Renters Insurance, one easy call or apply online

• Life Insurance and Health Plans For Your Ever Changing Needs

• Let's Review Options for Your Retirement Plan

• Professional, Friendly, Caring, Personal Attention

• Committed to listening and understanding above all else

When I'm not in the office you will find me enjoying life with my family and our friends. I'm a relationship guy so I'm fulfilled by sharing experiences that create life-long memories. Travel, adventure, a campfire, good meal, cocktail hour - anything that brings us closer together or creates a story to tell - that's where you will find me. I also have a strong desire to 'pay-it-forward' and dedicate time and resources to organizations that are important to me and my family. You are just as likely to see me coaching on the sideline of a local youth sports team as you are to find me on the executive committee of several local non-profit organizations.

Next, about the string of initials after my name, I love to learn and enjoy the challenge of finding new and better ways to apply my knowledge to help the people around me. In addition to those professional designations I hold multiple professional licenses I use in my practice as well. My customers deserve high level service and leading with knowledge and experience makes the difference.

Most simply put, I strive to provide remarkable care for my employees and my customers, ensuring that they are on the right track to realize their personal, professional, and financial goals.

We are truly thankful to serve the insurance, financial service, and retirement plan preparation needs for our customers in Erie, Millcreek, Frontier, Fairview, Girard, Wesleyville, Harborcreek, McKean, Waterford, Edinboro and throughout Pennsylvania since December 1, 1999. We are here to help, come see for yourself - call, click, text or visit today.

Frequently Asked Questions – Insurance in Erie & Northwest PA

Why is spring a good time to review my insurance coverage? Spring often brings home improvements, travel plans, and changing routines. It can be helpful to review your auto, home, and life insurance coverage to see if your current plans still match your needs.

Does homeowners insurance cover storm damage from spring weather? Spring storms in Northwest Pennsylvania can include heavy rain, wind, and hail. Many homeowners plans may cover sudden storm damage, such as roof or siding damage. Coverage details vary, so it may help to review your plan with our office.

What should homeowners check after winter in Erie County? After a long winter, it is a good idea to inspect roofs, gutters, sump pumps, and outdoor areas around your home. Seasonal maintenance can help reduce the chance of water damage during spring rain.

Does auto insurance change when I start driving more in the spring? Many people begin driving more frequently in the spring for travel, commuting, or weekend trips. If your driving habits have changed or you added a vehicle or driver, it may be a good time to review your auto insurance options.

I am buying a home this spring. When should I set up home insurance? It is helpful to set up home insurance before closing on your property. Our office works with homebuyers throughout Erie and Northwest Pennsylvania to coordinate coverage before move-in day.

Is renters insurance important for apartments in Erie? Renters insurance can help cover personal belongings and may provide liability protection if someone is injured in your apartment or rental home. Many renters choose this coverage to help protect their belongings.

What insurance should college students or LECOM students consider? Students who rent apartments or live off campus may want to consider renters insurance for personal belongings. Auto insurance may also be important if a vehicle is kept on campus or used regularly.

What insurance considerations should I review before retiring? Before retiring, many people review their life insurance coverage and discuss financial services conversations related to income needs and long-term goals.

How much auto insurance is required in Pennsylvania? Pennsylvania requires minimum liability coverage for drivers, but some drivers choose higher limits depending on their situation. Our office can walk through the options and explain what each coverage may include.

How often should I review my insurance plans? Many customers find it helpful to review their plans once a year or after major life events such as moving, buying a home, adding a driver, starting a family, or approaching retirement.