Independent Insurance Broker in Hummelstown, PA

Pennsylvania requires minimum liability coverage of 15/30/5: $15,000 bodily injury per person, $30,000 per accident, and $5,000 property damage, plus $5,000 in First Party Benefits. PA is a choice no-fault state, meaning drivers choose between limited tort and full tort coverage. We recommend reviewing your limits annually, especially if your income or assets have changed.

Pennsylvania homeowners average around $1,278 a year for $300,000 in dwelling coverage, according to Bankrate's 2026 data, though your actual rate depends on home age, roof condition, deductible, and coverage limits. As an independent broker we compare 30+ carriers to find your best rate for a Hummelstown-area home.

Hummelstown sits minutes from Hershey, and many local businesses serve seasonal tourism traffic: restaurants, short-term rentals, and retail shops. Most need at minimum General Liability coverage, and a Business Owner's Policy (BOP) often bundles that with commercial property at a lower combined cost. If you rent out a property to Hersheypark visitors, our short-term rental insurance guide covers the Airbnb and VRBO coverage gap specifically. We help you identify the right combination for your business.

Most Hummelstown small businesses need at minimum General Liability coverage. 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 from your very first employee. We help you identify the right combination for your industry.

Call 717-229-5115, visit our Camp Hill office at 1525 Cedar Cliff Drive, or submit the online quote form. We compare rates from 30+ carriers and typically deliver quotes within one hour. Having your current policy and vehicle VIN ready speeds up the process.