Insights
Insurance, explained from a desk on Chocolate Avenue.
Practical coverage tips, what's actually moving rates, and notes on life in Hershey — written by the people who answer the phone here.
Coverage tips
Full tort vs. limited tort: the Pennsylvania auto choice most drivers skip past
Pennsylvania lets you trade a lower premium for a limited right to sue after a crash. Here is what that choice actually means on a Hershey commute.
August 26, 2026 · 5 min read
Coverage tips
Ice dams, frozen pipes, and the winter claims we see most in Central PA
A Central Pennsylvania winter is hard on rooflines and plumbing. A short autumn checklist prevents most of the claims we see in January.
August 12, 2026 · 4 min read
Insurance trends
Why your premium went up even though you never filed a claim
A clean record and a higher bill is the most common call we get. The reasons are mostly industry-wide — but a few of them are yours to adjust.
July 22, 2026 · 5 min read
Coverage tips
Umbrella insurance: who actually needs it, and who is being oversold
An umbrella policy sits above your home and auto liability. Whether it is worth it comes down to a handful of specific circumstances.
July 8, 2026 · 4 min read
Insurance trends
What a Hershey small business actually needs on day one
Landlords, venues, and clients will all ask for proof of coverage. Here is the short list of what they are asking for and why.
June 17, 2026 · 5 min read
Hershey life
A year in Hershey, and the coverage conversation each season brings
We work a block from Chocolate Avenue, so our calendar follows the town's. Each season brings its own set of questions to the office.
May 29, 2026 · 4 min read
Ready when you are
Questions after reading? We answer the phone.
Agency 1 is an independent agency in Hershey, Pennsylvania. A coverage review costs nothing.