Owner, MVP Insurance

Ohio personal insurance for Mahoning Valley families works best when one local agent handles your home, car, renters, motorcycle, boat, and life coverage together. MVP Insurance, an independent agency in New Springfield, compares policies from multiple carriers. That way you see real options side by side instead of one company's price.


Most people in Columbiana and Mahoning counties never think about their policies until something goes wrong: a hailstorm, a deer on Route 165, a basement that floods during the spring thaw. That is the moment you find out whether your coverage was built for your life or just pulled off a shelf. The pages linked below go deeper on each type of coverage, and this page ties them together.

Ohio Personal Insurance Solutions for Mahoning Valley Residents

MVP Insurance is a 100% independent agency, which means we work for you rather than for any single insurance carrier. Josh Medure and David Varrati founded the agency in 2008. Our local office sits at 13823 Grant St, New Springfield, OH 44443, close to the families we insure in Springfield Township, Canfield, Columbiana, and the surrounding area.


Independent agencies have become the way most Americans buy coverage. These agencies now place 62% of all property and casualty insurance in the U.S., largely because people want choice. A captive agent can only show you one company's products. We shop several carriers and bring you the options worth considering.


This page serves as the hub for our Ohio personal lines. From here you can reach detailed pages on homeowners and auto coverage. You can also get a feel for how we handle motorcycles, boats, renters, and life insurance. We use modern tools to make policy management easier, and our claims support is available 24/7, so a Saturday-night fender bender doesn't mean waiting until Monday.

David Varrati

By: David Varrati

Owner, MVP Insurance

MVP Insurance is a local, independent agency, licensed to serve individuals and businesses across Ohio and Pennsylvania.

We serve clients from our offices in New Springfield and Zelienople and throughout Northeast Ohio and Western Pennsylvania, working with multiple carriers to help homeowners, drivers, renters and condo owners, landlords, contractors, restaurant owners, shop owners, auto repair shops, professional offices and many other personal and commercial clients find coverage that fits.

Written By

David Varrati

Owner, MVP Insurance

Owner, MVP Insurance

On this page

Umbrella

An umbrella policy adds liability protection above the limits on your home and auto policies. One serious accident can cost more than those limits, and the umbrella is what stands between the claim and your savings.

Protecting Your Assets with Homeowners and Renters Insurance

Your home is probably worth more today than when you insured it. That is the main reason Mahoning Valley homeowners end up underinsured. Mahoning County home prices rose 14.2% year-over-year to a median sale price of $206,000as of September 2026. Rebuilding costs often climb even faster than sale prices.


Premiums have moved too. Statewide, the average annual cost to insure a $300,000 dwelling in Ohio ran roughly $2,049 to $2,118 as of August 2026. Rates rose about 4.6% between November 2025 and August 2026. Those are averages, though. Your roof age, claims history, and deductible choice can move your number significantly.


This is where an independent agent earns their keep. We compare multiple carriers for your property and look for differences that never show up in a price quote:


  • Water backup coverage:Standard policies usually exclude sump pump failures, a frequent and costly claim in older Valley basements.
  • Roof settlement terms: Some carriers pay actual cash value on older roofs, which can leave you short after wind damage.
  • Replacement cost on contents: Without it, a 6-year-old TV gets paid at a fraction of its replacement price.


Renters need protection too. A renters policy covers your belongings and personal liability, and it often costs less per month than a streaming bundle. Landlords' insurance protects their building, not your stuff. Our Ohio homeowners insurance pagewalks through coverage options in more detail.

Written By

David Varrati

Owner, MVP Insurance

Owner, MVP Insurance

On this page

Where you live

Your ZIP code sets the base for both home and auto: weather patterns, repair costs, traffic density and local claim history all feed into it. Distance to a fire station and hydrant matters for the home policy.

Where you live

Car, Motorcycle, and Boat Coverage for Ohio Drivers

Ohio requires liability insurance on cars and motorcycles. In our experience, though, the state minimum is rarely enough. Ohio's financial responsibility limits are 25/50/25. That means $25,000 per person for bodily injury, $50,000 per accident, and $25,000 for property damage. A single ER visit plus a totaled late-model SUV can blow through those numbers fast.


Motorcycles follow the same rule. Motorcycle insurance in Ohio is mandatory at the same 25/50/25 limits. Boats are different. The state doesn't impose a general liability requirement on recreational watercraft. However, lenders and some marinas or lakes may require coverage.

Vehicle Ohio Minimum Liability Limits Many Agents Suggest
Car 25/50/25 100/300/100 or higher
Motorcycle 25/50/25 100/300/100, plus guest passenger coverage
Boat/Watercraft No general state requirement $300,000+ liability; check lender and marina rules

The suggested limits above reflect common agent guidance, not legal requirements. Your right number depends on your assets and household. One gap we see often is drivers carrying high liability but skipping uninsured motorist coverage. If you're hit by someone with no insurance, that coverage is what pays your bills. Our Ohio car insurance guidebreaks down each coverage piece.

Written By

David Varrati

Owner, MVP Insurance

Owner, MVP Insurance

On this page

The Role of Umbrella and Life Insurance in a Comprehensive Plan

Securing Your Family Future with Life Insurance

Life insurance replaces your income if you die, so your family can keep the house, pay debts, and fund what comes next. At our New Springfield office, most conversations start with one question: how long does your family need protection? Your answer usually points to term or permanent coverage.


Term life covers a set period, typically 10, 20, or 30 years. It fits well when you need protection through a mortgage or until the kids finish school. It costs much less per dollar of coverage, so young families can buy a meaningful death benefit. Permanent life, such as whole life, lasts your entire lifetime and builds cash value. People often use it for estate planning, final expenses, or leaving a guaranteed amount to heirs.


A common mistake is relying only on group life insurance through work. That coverage usually equals one or two times your salary, and it often ends when you leave the job. We help you look at your mortgage balance, income, debts, and future costs like college. Then we compare carriers so the policy fits both your budget and your long-term goals. Some families combine the two: a large term policy for the busy years, and a smaller permanent policy that never expires.

Written By

David Varrati

Owner, MVP Insurance

Owner, MVP Insurance

On this page

04

Review, bind, and relax

Once you approve, we bind the policies, send your ID cards and set a reminder for next year's review.

Common Questions About Ohio Personal Insurance

Can I bundle home and auto insurance in Ohio? Yes. Most carriers offer a lower combined rate when you insure your home and vehicles together. We compare bundled and separate options, because bundling isn't always the lower-cost choice.


What's the difference between an independent agent and a captive agent? A captive agent sells one company's policies. An independent agent like MVP Insurance shops multiple carriers for you and works on your behalf, not the insurer's.


Do I need insurance on my motorcycle if I only ride in summer? Yes. Ohio requires motorcycle liability coverage. Ask about adjusting comprehensive-only coverage during winter storage instead of canceling the policy.


Who do I call when I need to file a claim? Call us. Our claims support runs 24/7, and having a local agent in your corner means someone helps you understand the process and follows up with the carrier.


Does homeowners insurance cover flooding? No, standard policies exclude flood damage. Flood coverage requires a separate policy, and water backup from a sump pump needs its own endorsement.


Is renters insurance worth it if I don't own much? Usually, yes. Replacing clothes, furniture, and electronics adds up quickly. The liability coverage also protects you if a guest is injured in your apartment.

Written By

David Varrati

Owner, MVP Insurance

Owner, MVP Insurance

On this page

The Role of Umbrella and Life Insurance in a Comprehensive Plan

Contact MVP Insurance in New Springfield

Good coverage in the Mahoning Valley comes down to a few things. Keep your home's insured value in line with today's rebuilding costs. Carry auto limits above the 25/50/25 floor. Pick life insurance that matches how long your family will depend on your income. Having someone compare multiple carriers for each piece makes all of it easier.


Stop by our New Springfield office at 13823 Grant St, New Springfield, OH 44443, or call (330) 707-9055. If you're across the line in Pennsylvania, our Zelienople office at 108 E Grandview Ave, Zelienople, PA 16063 can help at (724) 453-1122. MVP Insurance is licensed in Ohio (license #37714) and Pennsylvania (license #519263), NPN 10588293.


Ready to see how your current coverage stacks up? Start your quoteand we'll compare options from multiple carriers for your home, vehicles, and family. One conversation now can save you a costly surprise after your next claim.

MVP Insurance is a local, independent agency, licensed to serve individuals and businesses across Ohio and Pennsylvania.

We serve clients from our offices in New Springfield, Ohio and Zelienople, Pennsylvania and throughout Northeast Ohio and Western Pennsylvania, working with multiple carriers to help contractors, landlords and real estate investors, restaurants, retail shops, auto repair shops, professional offices and many other personal and commercial clients find coverage that fits.

Our Owners

Two friends who started an agency

Owner

Joshua Medure

I am a Penn State marketing graduate with more than ten years in insurance. My childhood friend David and I started MVP Insurance in Northeast Ohio because we wanted the people around us to have an agency that gives honest advice, real choices and someone who picks up the phone. I lead the agency’s insurance strategy, which means I read the policies so our clients do not have to. Away from the office, I coach youth football.

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About the Author

David Varrati

Owner, MVP Insurance

I started MVP Insurance with my childhood friend Josh because we wanted people in Northeast Ohio and Western Pennsylvania to have an agency that explains things plainly and picks up the phone. I studied Political Science at Slippery Rock University and have spent more than ten years helping families and individuals protect what matters to them. When I am not in the office, you will find me coaching youth sports.

Personal Insurance in Ohio & Pennsylvania

Coverage for your home, your car, and your family

Protect the everyday things that mean the most to you.

Homeowners Insurance

Your home is one of your most valuable assets. We compare carriers to protect the house, your belongings, and your liability.

Car Insurance

We proactively shop the market to find the best combination of coverage and price for every car in your driveway.

Renters Insurance

Own a condo or rent your home? We insure your unit, your belongings, and your personal liability at a fair rate.

Umbrella Insurance

Extra liability protection above your home and auto policies. Large coverage limits for a small added cost each year.

Life Insurance

Protect the people who rely on you most, so they can keep their home and lifestyle if the unexpected happens.

Flood Insurance

Standard home policies do not cover flooding. We help you add flood coverage through the NFIP or a private carrier before the water rises.

Business Insurance in Ohio & Pennsylvania

No matter how big or small your business, we protect it

Practical coverage for your people, your property, and the work you do.

General Liability

Protection when someone outside your business is hurt or their property is damaged because of your work or your premises.
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Business Owners Policy

One policy that bundles property and liability for small businesses. Simple, affordable protection for your building and contents.
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Professional Liability

Protection when a client says your advice or work caused them a loss. A staple of any solid commercial package.
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Commercial Property

Helping landlords and commercial real estate investors insure their buildings, habitational risks, and the rental income they produce.
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Workers Compensation

Protecting your employees is protecting your business. Medical bills and lost wages covered when someone gets hurt on the job.
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Commercial Auto

With a wide selection of commercial auto carriers, we find the right coverage for your trucks, vans, and drivers.
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Industries We Serve

Insurance built around the work you do

Every industry carries different risks. We know the coverage each one needs and shop the carriers that write it well.

Contractors Insurance

General contractors, remodelers, roofers, and trade crews. We cover the liability, tools, vehicles, and workers your jobs depend on.

Plumber Insurance

Water damage claims follow plumbers everywhere. We cover your liability, your tools, your van, and your crew, job after job.

Restaurant Insurance

Kitchens, bars, and cafes face fire, spoilage, and slip risks. We package property, liability, and liquor coverage in one plan.

5-Star Rated on Google

What our clients say

Our clients say it best. Here is what they share about working with Josh, Dave, and the MVP team.

Contractors & Tradesmen

General contractors, roofers, electricians and plumbers. We cover liability, tools, vehicles and crews so every job stays protected.

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Insurance Tips & News

Insurance tips for Ohio and Pennsylvania families and businesses

Practical ideas for protecting what matters to you.

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Insurance Questions, Answered

Questions our clients ask

A little clarity can make your next step easier.

  • What does an independent insurance agency do?

    An independent agency works with multiple insurance companies. We compare your options, explain the differences, and help you choose coverage that fits your needs.

  • Can MVP Insurance quote both my home and auto?

    Yes. We can compare home and auto insurance options together. We explain available discounts and check how the policies work together.

  • Do you insure businesses in Ohio and Pennsylvania?

    Yes. We help businesses in both states compare options for property, liability, employees, and commercial vehicles. The right policy depends on your work and the risks involved.

  • How do I import my current policy for a quote?

    Use our Canopy policy import link to share your current policy information. Our team can then review your existing coverage and compare options with you.

  • How do I report a claim or make a payment?

    Visit our Client Center for billing and claims information. You can also call either office for help finding the right carrier contact.

  • How often should I review my insurance?

    Review your coverage each year and after a major change, such as a move, new vehicle, or business expansion. Tell us what changed so we can help you check your protection.

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