Independent Insurance Agency Serving Harrisburg, PA

Standard homeowners and renters insurance policies exclude flood damage entirely. Harrisburg has a documented flood history along the Susquehanna River. Significant flood events including the 1972 Tropical Storm Agnes flood caused major damage throughout the city. Neighborhoods in lower-lying areas of Harrisburg near the river or Paxton Creek may sit within FEMA Special Flood Hazard Areas. We evaluate your specific property's flood zone status and compare NFIP and private flood insurance options.

Auto insurance rates in Harrisburg vary based on driving record, vehicle, coverage level, and carrier. Pennsylvania average full-coverage auto rates run $1,600 to $2,200 per year, though Harrisburg-area rates may be above the state average due to urban traffic density and claim frequency. As an independent broker we compare 30 plus carriers to find the most competitive rate for your specific profile.

An independent insurance agency like Dragon Insurance represents multiple carriers and is not tied to any single company. When you call us, we compare quotes from Erie, Travelers, Nationwide, and 30 plus other carriers simultaneously and recommend the best combination of price and coverage for your situation. A captive agent at one company can only offer that company's products.

Most Harrisburg small businesses need at minimum a General Liability policy covering bodily injury and property damage claims. Many benefit from a Business Owner's Policy (BOP), which bundles general liability and commercial property at a lower combined cost. If you have employees, Workers Compensation is required by Pennsylvania law for most employers. Service businesses and government contractors often also need Professional Liability coverage.

Yes. Renters insurance covers your personal belongings against theft, fire, and other covered perils, provides liability protection if someone is injured in your rental, and includes additional living expense coverage if your unit becomes uninhabitable. The building itself is your landlord's responsibility. Harrisburg renters insurance typically costs $15 to $25 per month depending on coverage limits.

You can request a quote online at our quote portal or call our Camp Hill office at 717-229-5115. We are 15 minutes from downtown Harrisburg and compare rates from 30 plus carriers. We typically turn around quotes within one hour. Having your current declarations page, driver license numbers, and vehicle VIN ready speeds up the process significantly.

Yes. Our Camp Hill office serves all of Harrisburg and the surrounding Dauphin County communities including Steelton, Penbrook, Paxtang, Swatara Township, and Lower Paxton Township for personal and business insurance. We also serve Harrisburg clients who need coverage in multiple states.