Personal Insurance for Protecting You at Home and on the Road

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

Home & Auto Insurance

Cheap v. Fully Covered: There is a difference.

Home insurance and car insurance are two of the most common policies in the personal insurance industry, and often people are looking for a small bottom line. But what many people don’t realize is that cheap personal insurance – like insurance for your home or personal vehicle – often doesn’t fully cover you or your personal property. When life’s unexpected surprises occur, it’s too late to learn that you’re carrying inadequate coverage. What looks good on paper might actually be leaving out important line items on your policy that the average person might not even know to look for. At Horst Insurance, our first approach to your personal, home, or auto insurance is to listen to who you are and what you need from your coverage. Then, we’ll look to see if there are gaps in your current coverage, and put together the right policy elements to make sure you’re properly covered.

An Independent Agency’s Value

We give you choices for the best rate and coverage.

Hunting for personal insurance on your own means trying to decipher which products you need and who covers you best. Insurance companies will want to sell their specific products – even if it’s not the best value for your particular needs. As an independent agency, we have access to more than 30 insurance carriers represented across the nation. We get to know your coverage needs, and then we do the detailed work of comparing several carriers to give you the best combination of rate and coverage.

Personal Insurance in PA

Local insurance experts 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 can manage all of your personal insurance needs – today and in the future as your family and lifestyle changes.

The Horst Value

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

Horst Insurance has been providing personal insurance to individuals and families since 1917, which means we’ve helped protect people through some significant health, economic, and political events. When you select a regional independent agency like Horst Insurance, you get an experienced team of professionals who understand your needs and your community. Our knowledgeable telephone customer service representatives are available 24/7, ready to be there when you need us most. 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
  • Travel Health Insurance
  • VIP Personal Lines Program for High-Wealth Clients
  • Medicare Supplemental

Personal Coverage Carriers:

  • Acuity Insurance
  • Chubb Group
  • The Cincinnati Insurance Companies
  • Donegal Insurance Group
  • The Hartford
  • Lititz Mutual Insurance Company
  • National General Insurance
  • Nationwide Insurance
  • Nationwide Private Client
  • Progressive Insurance
  • Safeco Insurance
  • Selective Insurance
  • Travelers Insurance Company