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About Us

We are a family-owned independent insurance agency serving the needs of our community since 1925.

Established in 1925 by William Karschner, our agency has been a family-owned business for four generations. We are the largest writers of auto, homeowners, and business insurance in Potter and Tioga Counties. We represent a carefully selected group of financially sound, reputable insurance companies, and we strive to place you with the company offering the best coverage at a competitive price. We are committed to a high standard of excellence in all that we do, and to establishing a solid relationship of mutual trust and service. We do not work for an insurance company, we work for you. Stop in at one of our four conveniently located offices for a no cost, no obligation review of your insurance, and experience first-hand our personal and professional service. On 8/1/2021, William R Karschner & Sons acquired Logan Branch Insurance, which is our Bellefonte office.

An Independent Advantage

We are Independent Agents in Wellsboro, 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. William R Karschner & Sons 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, 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, you want an advocate who will properly assess the risks you face and give you an objective analysis of the marketplace, because it's up to you to make the final choice.