Protecting you and your family at home and on the road.

From helping young individuals and couples just starting out to protecting the complex lives and lifestyles of families, we have the expertise and products that will make life feel a little safer. Our personal insurance professionals can help reduce your individual risk by helping you choose the right elements of coverage.

CHEAP VS. FULLY COVERED
Anyone can quote you the cheapest price.

What many people don’t realize is that cheap personal insurance often doesn’t fully cover you. When life’s unexpected surprises occur, it’s too late to learn that you’re carrying inadequate coverage. We’ll find out if gaps in your coverage exist, then put together the right elements of coverage.

AN INDEPENDENT AGENCY
We give you choices for the best rate and coverage.

As an independent agency, we have access to more than 30 insurance carriers. Once we learn about your coverage needs, we compare several carriers to give you the best combination of rate and coverage. When you contact certain insurance brands, they’ll only want to sell you their products – even if it’s not the best value for your particular need.

PERSONAL INSURANCE
A local insurance expert where and when you need them most.

We’re not a toll-free number with unknown people on the other line. We’re your neighbors. We’re a local call or short drive away for when you need us. And Horst provides every aspect of personal insurance you’ll need – today and in the future as your family and lifestyle change.

THE HORST VALUE
We’ve not only seen it all, we’ve helped families through it all.

Horst has been providing insurance and risk reduction services to individuals and families since 1917. When you select Horst Insurance, you get an experienced team of insurance professionals and 24/7 telephone customer service representatives. Learn more about our value here.

We provide Personal Insurance, including:

  • Homeowners
  • Condominium
  • Renters
  • Automobile
  • Boat
  • Motor Home
  • Travel Trailer
  • Motorcycle
  • Antique or Collector Automobile
  • Jewelry and Fine Articles Floaters
  • Personal Umbrella
  • Pet Insurance
  • Travel Health Insurance
  • VIP Personal Lines Program for High-Wealth Clients
  • Medicare Supplemental

Personal Coverage Carriers:

  • Acuity Insurance
  • AIG Private Group
  • Chubb Group
  • Donegal Insurance Group
  • The Hartford
  • Lititz Mutual Insurance Company
  • Nationwide Insurance
  • Nationwide Private Client
  • Progressive Insurance
  • Safeco Insurance
  • Selective Insurance
  • Travelers Insurance Company