
David Downey
Agency Owner
Grew up in Wellsville, graduated from Northern York High School, and moved back to the area to raise his own family. Habla español.
Dillsburg · York County, PA
Auto, home, life and business coverage from a local four-person team with 25 years of experience.
Let us know who sent you and share a few details — we'll reach out with a quote.
Coverage

Cars, trucks, and every driver in your household.

Homeowners coverage for the place you actually live in.

On-the-water coverage for boats and personal watercraft.

Coverage built around the people who depend on you.

Coverage for riding season and the off-season.

Protection for your belongings and your liability in a rental.

Protection for ATVs, UTVs, and off-road machines.

Coverage for rental properties and short-term stays.

Commercial coverage tailored to your operation.

Protection that fits condo ownership and your unit.
Coverage that helps pay the vet bills when your pet is hurt or sick.

Most home and renters policies exclude e-bikes. We write stand-alone coverage.

Home and business policies don't cover rising water. Flood coverage does.
Why choose us
25 yrs
Decades of experience behind every policy review.
4
Phone, text, email or in person — someone who knows you.
Yearly
We keep your protection current as life changes.
4.8★
Across Google, Allstate.com, Yelp and Facebook. Habla español.

Real people, real help
Phone, text, email or in person — the same four people who set up your policy are the ones who answer when something happens.
(717) 432-1361About the agency
With 25 years in the insurance business, the agency combines experience with the personal service of a local, four-person team. Whether by phone, text, email or in person, customers can always reach someone who knows them and is ready to help. The team takes the time to understand each customer, build long-term relationships and conduct annual insurance checkups to keep their protection current as life changes.
The agency helps protect modern and classic automobiles, homes and properties of all types, as well as motorcycles, eBikes, RVs, boats, ATVs and golf carts, plus health and life insurance for the people customers love.
Its dedicated small-business team serves the types of businesses found along Main Streets throughout the area — small restaurants, coffee shops, retailers, accounting and law firms, electricians, plumbers, home builders, and other local trades.
The agency is equally committed to serving the community, supporting local Dillsburg events, Wildheart Ministries in Allison Hill and Junior Achievement programs in area schools.
More about the agency and teamWhat we protect
Where we work
Based on US-15 in Dillsburg, with customers across York, Cumberland, Dauphin and Adams counties.
Who you'll talk to
Call the agency and you reach one of these four — not a call center queue.

Agency Owner
Grew up in Wellsville, graduated from Northern York High School, and moved back to the area to raise his own family. Habla español.

Chief of Customer Experience (CCX)
Works with customers on policy questions, coverage reviews, and everyday service.

Customer Service Manager
Helps customers through claims and finding repair shops when something goes wrong.

Insurance Agent
Jon has called Camp Hill home for more than 15 years after growing up outside Chicago. Outside of work, he enjoys hiking, fishing, woodworking, and collecting unique bourbons.


Visit us
The office sits right on US-15 in Dillsburg. Bring your current policy, your questions, or just your kids — the lobby aquarium usually keeps them busy while we talk coverage.
Monday–Friday, 9:00 AM – 6:00 PM
Customer reviews
389 total reviews
“I recently got into a car accident and put a claim in on the app. Daniel from the agency contacted me letting me know he saw I put a claim in and if there was anything he could do to help let him know. He literally answered my calls and questions all day long, helped me find a car repair shop in the good hands network that can help me before the new year. This has been the smoothest insurance experience and they are so nice, helpful and patient with the stresses of a wrecked car. Thank you so much, I'm grateful I switched to your agency!!!”
“David took the time to listen to my situation and offered a recommendation that actually made sense for me. He ended up finding me more coverage at a lower price than what I had before, but what stood out most was how easy the whole process was. There was no sales pressure at all, just a straightforward conversation. I waited until my policy was about to expire to get a quote, which turned out to be a mistake. I could have done this sooner and let David’s office take care of canceling my old policy and requesting the refund. It’s nice working with a local agent who’s responsive and genuinely helpful, instead of being passed around a call center. David is just a solid, trustworthy guy who does things the right way. Well deserved five stars.”
“Our car was badly sprayed with yellow line paint. David helped with the claim process as my husband was hospitalized and I was preoccupied. The process was seamless snd the results from Major’s Select body shop was excellent. Great experience at a very stressful time.”
Call the Dillsburg office, book a time, or request a free estimate — a local team member handles it from there.