Pennsylvania Personal Insurance

Owner, MVP Insurance

Pennsylvania personal insurance works better when one independent agent compares several carriers for your home, car, umbrella, boat, motorcycle, and life coverage at once. Western Pennsylvania families get coordinated limits, fewer gaps between policies, and one local office to call. You don't have to repeat your story to five different companies.


That matters more than most people realize. The costly problems we see rarely come from a missing policy. They come from policies that don't talk to each other, like an umbrella that requires higher auto limits than you actually carry, or a boat left off everything. Getting the pieces to fit is the real work.

The Advantage of an Independent Agency for Pennsylvania Personal Insurance

An independent agency works for you, not for one insurance company. MVP Insurance was co-founded in 2008 by Josh Medure and David Varrati. It serves as a hub for Pennsylvania personal lines because it shops multiple carriers instead of steering every client toward a single company's products.


Here's why that matters in practice. A captive agent can only offer one carrier's pricing and underwriting rules. If that carrier dislikes your roof age or a teen driver's record, you're out of luck. An independent agent simply moves to another carrier that views your situation more favorably.


The market is shifting, too. State regulators report that approved Pennsylvania auto filings for 2026 reflect an average 0.5% rate decrease, and officials encouraged residents to check in with their agent to review coverage as things settle. When rates move, a broker who already compares carriers can spot the opening for you.

Local Service in Zelienople and New Springfield

The Zelienople office sits at 108 E Grandview Ave, the location formerly known as Griffin Insurance. Longtime Butler County residents may still recognize the building. A second office at 13823 Grant St in New Springfield, Ohio, serves families along the state line. Having people nearby who know Western Pennsylvania roads, weather, and rural properties makes a real difference when a claim gets complicated.

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, Car, and Umbrella Coverage

The strongest personal protection stacks three layers: homeowners, auto, and an umbrella on top. Your home and car policies handle everyday claims. The umbrella catches the lawsuit that blows past those limits.


Start with the foundation. Our guide to homeowners insurance in Pennsylvaniacovers dwelling replacement cost, ice-dam and frozen-pipe claims, and the sewer backup endorsement many families skip until the basement floods. On the auto side, the page on car insurance in Pennsylvaniaexplains limited versus full tort, a choice that affects your right to sue after an accident.


The most common mistake we see is buying state-minimum auto liability, then learning that umbrella carriers usually require higher underlying limits. Picture a winter pileup on Route 19 with multiple injured passengers. A $15,000 per-person limit disappears fast. Western Pennsylvania counties like Mercer tend to carry lower average auto premiums than the Philadelphia area. That often makes raising your limits more affordable than people expect, even with repair costs up roughly 45% over five years.

Comparison of Standard Coverage Limits in Pennsylvania

Coverage PA Minimum Common Recommendation
Auto bodily injury $15,000 / $30,000 $250,000 / $500,000
Auto property damage $5,000 $100,000
Medical benefits (auto) $5,000 $10,000 or more
Home personal liability None required $300,000 to $500,000
Umbrella None required $1 million or more

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

Specialized Protection for Boat, Motorcycle, and Life Insurance

Specialty lines and life coverage round out the plan. MVP Insurance handles boat, motorcycle, and life and health insurance alongside your core policies, so recreation and long-term security don't fall through the cracks.


Boats are the classic gap. Homeowners policies often cover only small watercraft, with low liability caps. Lake Arthur and the Allegheny draw plenty of weekend boaters, and the risk is real: Pennsylvania recorded 10 boating deaths in 2025, most involving people without life jackets. A standalone boat policy adds liability, on-water towing, and coverage for trailers and gear.


Motorcycles need their own policy as well. Riders should look closely at medical benefits, guest passenger liability, and coverage for custom parts, since a stock policy may only pay for factory equipment.


Life insurance protects everything else. About 6 million Pennsylvanians hold life policies averaging $148,000 in benefits, and the Senate designated September 2026 as Life Insurance Awareness Month. For a family with a mortgage and kids, that average often falls short. Comparing term options across carriers helps you size the benefit to real debts and income.

Written By

David Varrati

Owner, MVP Insurance

Owner, MVP Insurance

On this page

The Role of Umbrella and Life Insurance in a Comprehensive Plan

Life Insurance

Life coverage keeps a mortgage paid, funds college plans and gives a surviving spouse time to adjust. Term policies cover a set period at a lower cost, while permanent policies build cash value. The most frequent mistake we see is relying only on a group policy through work, which usually ends when the job does.

Frequently Asked Questions About Western Pennsylvania Coverage

These quick answers cover what new policyholders ask most.


Is it cheaper to use an independent insurance agent in PA? It's often more affordable because the agent compares several carriers for you. You see more options without making extra calls.


What is the minimum car insurance in Pennsylvania? Pennsylvania requires $15,000/$30,000 bodily injury, $5,000 property damage, and $5,000 medical benefits. Most families carry far more.


Do I need umbrella insurance? If you own a home, have teen drivers, or have savings to protect, an umbrella is worth pricing. It adds liability above your home and auto limits.


Does homeowners insurance cover my boat? Usually only small boats, and with limited coverage. Most owners need a separate boat policy.


Can I cancel a new life insurance policy in PA? Yes. Pennsylvania gives you a 10-day free look period, extended to 20 days when you're replacing a policy from another insurer.


Will a law cap my auto rate increases? In early 2026, the PA House Insurance Committee advanced HB 2078, which proposes capping annual increases at 5% for safe drivers. The bill had not become law as of this writing, so check its current status.

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.

Building a Coordinated Plan for Your Family

Good coverage isn't about owning more policies. It's about making the ones you have fit together, with auto limits that support your umbrella, a boat that isn't left exposed, and life coverage sized to your real obligations. One agent comparing multiple carriers can line all of that up and revisit it as rates change.


If you're ready to see how your current setup compares, start your quotewith MVP Insurance. You can reach the Zelienople office at (724) 453-1122 or New Springfield at (330) 707-9055. MVP Insurance is licensed in Pennsylvania (#519263) and Ohio (#37714), NPN 10588293.

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.

Covington office, Monday through Friday

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614 E. Boston St., Covington, LA 70433

58418 Tyler Drive, Slidell, LA 70461

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