Frequently Asked Questions

Pacelli Insurance offers a full range of personal and commercial insurance products: auto, homeowners, renters, life, farm, business, commercial auto, commercial general liability, commercial property, workers’ compensation, power sports, pet insurance, and annuities. We work with leading carriers including Nationwide, Progressive, Travelers, Liberty Mutual, and more to match you with the best coverage at the best possible price.

Our agency is based in Saint Marys, Pennsylvania and proudly serves residents and businesses throughout Elk County, including Ridgway and Johnsonburg. Call us at 814-781-3888 or request a quote online.

As an independent insurance agency, Pacelli Insurance represents multiple carriers and can shop your coverage across dozens of companies to find the best rate and coverage combination for you. A captive agent works exclusively for one insurance company and can only offer that company’s products. Working with an independent agent means broader choice, unbiased advice, and the flexibility to switch carriers if your situation changes — without losing your trusted relationship with your agent.

We work with a wide network of top-rated carriers including Nationwide, Progressive, Travelers, Liberty Mutual, Foremost, Kemper, National General, Safeco, Grange, Bristol West, Plymouth Rock, State Auto, and many others. This diverse carrier portfolio lets us compare rates and find the most competitive options for your specific situation. View all our carriers.

Getting a free quote is quick and easy. You can request a quote online, call us at 814-781-3888, or schedule an in-person appointment at our Saint Marys office. Our agents will review your needs and present coverage options tailored to your budget.

Your auto insurance rate in Pennsylvania is shaped by several factors:

• Driving record and claims history
• Vehicle make, model, year, and safety features
• Your age and years of driving experience
• Annual mileage
• Coverage types and deductible levels you choose
• Credit history
• Where your vehicle is garaged
• Multi-policy or multi-vehicle bundling

Our agents can help identify all available discounts to reduce your premium.

Yes. We offer power sports insurance for motorcycles, ATVs, dirt bikes, snowmobiles, boats, and other recreational vehicles. Standard auto insurance does not cover these vehicles, so a dedicated policy is needed to protect your investment. Contact us for a quote on your recreational vehicles.

Homeowners insurance is not mandated by Pennsylvania law, but if you carry a mortgage, your lender will require it as a condition of the loan. Even if your home is paid off, a homeowners policy is strongly recommended — it protects your dwelling, personal belongings, and personal liability if someone is injured on your property. A standard policy covers perils such as fire, wind, theft, and vandalism. Learn more about homeowners coverage.

Renters insurance covers your personal belongings against theft, fire, vandalism, and other covered perils. It also includes personal liability coverage if someone is injured in your rental. The building itself is your landlord’s responsibility. Renters insurance is very affordable — often $15–$30 per month — and some landlords require it as part of your lease. It’s one of the most cost-effective policies available.

Inflation drives up the cost of building materials and labor, which means a policy set years ago may no longer cover the full cost to rebuild your home today. We recommend reviewing your coverage limits annually to ensure you’re not underinsured. Our agents can help align your dwelling coverage with current replacement costs. Read our full guide on inflation and insurance.

We offer a full suite of commercial coverage for businesses of all sizes:

• Commercial General Liability
• Commercial Property Insurance
• Commercial Auto Insurance
• Workers’ Compensation Insurance
• Business Owner’s Policies (BOP)

Our agents will assess your business’s unique risks and tailor the right coverage plan.

Yes. Our farm insurance policies are tailored for agricultural operations throughout Pennsylvania. Coverage can include farmhouses and outbuildings, farm equipment and machinery, livestock, crops, and farm liability. We understand the unique risks farmers face and can help protect your livelihood with the right coverage.

We work with multiple carriers to offer life insurance options designed to protect your family:

• Term Life Insurance — Coverage for a specific period (10, 20, or 30 years); typically the most affordable option.
• Whole Life Insurance — Permanent coverage that builds cash value over time.
• Universal Life Insurance — Flexible coverage with investment components.

We also offer annuities for retirement income planning. Our agents can help determine the right type and amount for your family’s needs. Explore life insurance options.

If you’ve experienced a covered loss, contact Pacelli Insurance Agency as soon as possible at 814-781-3888. We act as your first point of contact and will guide you through every step. Before calling, if it’s safe to do so:

• Photograph the scene and any damage
• Exchange information with any other parties involved
• Obtain a police report if applicable

We will stand beside you throughout the process and help ensure you receive a fair, prompt payment. Read our full claims guide.

Yes. Our Payments & Carriers page links you directly to your carrier’s payment portal for quick and easy online bill payment. If you need assistance, call our office at 814-781-3888 and we’ll be happy to help.