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About Us

Erie, Pennsylvania Insurance AgentR.H. Rutkowski Insurance was founded in 1968 by my father, Robert “Spider” Rutkowski. We chose to continue the family business, not only for tardition and personal sentiment, but more importantly, due to the ERIE’s outstanding reputation. Our daily focus is to demonstrate the “Golden Rule” and practice ERIE’s philosophy.

Prior to becoming the President of R.H. Rutkowski Insurance, Inc., I worked under the direction of my father for six years. Harry’s (my husband) insurance experience began in 1983 at the Erie Insurance Home Office as an adjustor and personal lines underwriter. We are licensed in Property/Casualty, Life and Annuities for PA, OH, VA, MD and TN.

Our staff also includes our two sons, Michael and Patrick, and Cassandra who are ready to lend a had to assist our policyholders. They are all licensed in Property/Casualty and Life.

When H.O. Hirt and O.G. Crawford decided to start an insurance exchange in 1925, they wanted to base it on “simple common sense, mixed with just plain decency.” They turned to the “Golden Rule as a guiding principle: Do unto others as you would have them do unto you.” The two entrepreneurs spent months drumming up support for the Erie Insurance Exchange, with nothing but the axiom and a business plan scribbled on a 10 cent tablet. On April 10, 1925, their fundraising concluded and over 80 years of service and innovation began.

An Independent Advantage

We are Independent Agents in Erie, Pennsylvania, free to choose the best carrier for your insurance needs. We do not work for an insurance company; we work for you. We work on your side when you have a loss and follow through to see that you get fair, prompt payment and service. R. H. Rutkowski Insurance Inc. represents a carefully selected group of financially strong, reputable insurance companies, therefore, we are able to offer you the best coverage at the most competitive price.

What is an Independent Insurance Agent?

When you decide to buy a car, you wouldn’t purchase the first one you see. What if one day the automobile industry decided to make only one type of car, one make and one model. You wouldn’t have a choice!

The same situation holds true for insurance. You need insurance to drive a car, to purchase a house, to protect your family’s financial future and to run a small business. But if there was only one insurance company that offered only one type of insurance, car insurance, home insurance or businessowner policy — you wouldn’t have a choice. The only solution would be going to that one company.

With an independent insurance agent, you have choices. Independent agents are not tied to any one insurance company. One of the advantages of using an independent agent is that he or she works to satisfy your needs. You are using an expert for an important financial decision.

An independent agent has several companies that he or she can approach to get you the best coverage at the best price. And your independent agent will know the companies with the most efficient claims departments to recover your losses as quickly as possible.

When you buy insurance, whether it’s for your home, your car or your business, you want an advocate who will properly assess the risks you face and give you an objective analysis of the marketplace, it’s up to you to make the final choice.