A Message from Todd
October is here, and across Erie and Northwestern Pennsylvania, the signs of fall are beginning to show. The leaves are starting to change, football season is in full swing, and before long, another beautiful Erie autumn will be all around us.
Changing seasons are a good reminder that life has seasons, too. Kids grow up, families change, careers evolve, homes and businesses take on new meaning, and plans for the future become plans for today. Sometimes those changes happen gradually, and sometimes they seem to arrive all at once.
That’s one reason our team believes insurance and financial services should be about more than simply having a policy. Whether it’s auto, home, life, or business insurance—or planning for the years ahead—our job is to understand what matters to you and help you protect what you’ve worked hard to build.
So, as the leaves begin to turn and we settle into another fall here in Erie, take a little time to enjoy the season—and maybe think about the season of life you’re in, too.
From all of us at Todd M. Powers Insurance Agency, thank you for allowing our State Farm team to be part of it.
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!
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 – Fall & Winter 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.
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 fall a good time to review my insurance coverage? Fall is a helpful time to review your coverage before winter weather and holiday travel arrive. If you’ve purchased a home, added a driver, changed your commute, or experienced a family milestone, our Erie office can help you review your auto, home, renters, and life insurance.
Does homeowners insurance cover winter storm damage in Erie? Homeowners insurance may cover certain damage caused by wind, the weight of snow or ice, and some types of sudden water damage. Coverage depends on the cause of the damage and your policy’s terms, limits, deductibles, and exclusions. Our office can help you understand how your coverage applies to winter weather concerns.
What home maintenance should I complete before winter in Northwest Pennsylvania? Before freezing temperatures arrive, clear leaves from gutters and downspouts, check your roof for damage, have your heating system serviced, and protect exposed pipes. Addressing drainage issues and damaged tree limbs may also help prepare your home for snow and ice.
Should I review my auto insurance before winter driving begins? Fall is a good time to review your liability limits, deductibles, and optional coverages before snowy and icy roads become a concern. Our office can explain collision, comprehensive, and emergency road service coverage so you understand your options before winter travel.
I’m buying a home this fall or winter. When should I arrange homeowners insurance? Contact our office during the homebuying process so we can help coordinate your policy’s effective date with your closing and lender requirements. We help homebuyers throughout Erie and Northwest Pennsylvania explore coverage for their new homes.
Is renters insurance important during fall and winter in Erie? Renters insurance may help protect your belongings against covered losses and provide liability coverage if you’re legally responsible for someone else’s injury or property damage. Our office can help you review coverage for your apartment or rental home as colder weather arrives.
What insurance should college students or LECOM students review before winter break? Students living off campus can use winter break planning as a reminder to review renters insurance and any auto coverage needs. If you’re leaving your rental for an extended period or changing where your vehicle is kept, contact our office to discuss your plans and any policy updates.
How much auto insurance is required in Pennsylvania? For a standard personal auto policy, Pennsylvania generally requires at least $15,000 in bodily injury liability per person, $30,000 per accident, $5,000 in property damage liability, and $5,000 in medical benefits. Higher limits and additional coverages are available. Our office can explain the requirements and help you explore options for your needs.
How often should I review my insurance coverage? An annual review is a useful starting point, along with reviews after major life changes such as moving, buying a home, adding a driver, getting married, welcoming a child, or approaching retirement. Fall offers an opportunity to check in before winter weather and the holiday season.
