Steve Drasher - State Farm Insurance Agent

Steve Drasher, State Farm Insurance Agent is an insurance agency located at 224 W Main St in Kutztown, Pennsylvania. The office operates as an independently owned agency contracted to represent State Farm Mutual Automobile Insurance Company and its affiliates, which means the team sells, services and supports State Farm policies exclusively while running the local office as a small business rooted in Berks County. Clients can reach the office by phone at 610-683-9900 or through the agency website, which supports online quoting and policy questions.

The agency sits on West Main Street in the borough of Kutztown, the commercial spine of a town of roughly 5,000 residents located between Reading and Allentown along the Route 222 corridor. The address places the office within walking distance of Kutztown University and the borough's downtown business district, and within a short drive of the surrounding agricultural townships of Maxatawny, Richmond, Greenwich and Longswamp. In practice, the office serves policyholders across eastern Berks County and into neighboring Lehigh and Schuylkill counties, including Fleetwood, Topton, Lyons, Bowers, Krumsville, Hamburg, Bally, Macungie and the wider Allentown and Reading suburbs.

Lines of Insurance Offered

As a State Farm agency, the office handles the full range of personal and small commercial products available through the carrier in Pennsylvania. Typical coverage requests include:

• Auto insurance, including liability, collision, comprehensive, uninsured and underinsured motorist coverage, medical benefits options specific to Pennsylvania law, rental reimbursement and roadside assistance
• Motorcycle, ATV, boat, camper and recreational vehicle coverage, along with classic and antique vehicle policies
• Homeowners insurance for single family homes, along with condo unit owner and manufactured home policies
• Renters insurance, a common need in a university town where many residents lease apartments or houses off campus
• Personal articles policies for jewelry, cameras, musical instruments, sporting equipment and other valuables
• Rental dwelling and landlord coverage for property owners
• Personal liability umbrella policies that extend liability limits beyond those on an auto or home policy
• Life insurance, including term, whole life and universal life products
• Health related products such as supplemental health, Medicare supplement and disability income insurance
• Small business insurance, including business owners policies, commercial auto, contractor coverage, workers compensation and liability protection for local trades, shops, farms and professional practices
• Banking and financial products distributed through State Farm affiliates and partners, along with annuities and mutual funds offered by licensed representatives

Coverage availability, eligibility and pricing vary by product and by applicant, and some financial products are offered only by team members holding the appropriate securities or insurance licenses. Prospective clients can confirm what applies to their situation when they contact the office.

Choosing Pennsylvania Auto Coverage

Pennsylvania drivers face a set of coverage decisions that do not exist in most other states, which is one reason a local agency conversation can be useful. Drivers must choose between limited tort and full tort, a selection that determines whether they retain the right to sue for pain and suffering after certain accidents. They also select first party benefits levels for medical expenses, income loss and related costs, and they decide whether to add and stack uninsured and underinsured motorist coverage across multiple vehicles. Because these elections affect both premium and what a claim will actually pay, agency staff generally walk new clients through each option rather than simply matching the limits on a prior policy.

How the Office Operates

The agency runs as a staffed local office rather than a call center, with licensed team members handling quotes, endorsements, billing questions, claim reporting and policy reviews. Routine service work can typically be completed over the phone, by email or electronically, so many clients finish a quote and sign documents without needing an in person appointment. Those who prefer to meet face to face can arrange a visit at the Main Street office.

Claims are filed through State Farm's national claim system, which is available around the clock by phone and through the State Farm mobile app. The local office's role during a claim is usually to help a policyholder understand what their policy covers, confirm deductibles, coordinate with adjusters and answer questions as the file moves forward. Policyholders can also use the app and online account tools for ID cards, payments, document storage and vehicle glass or towing requests.

Periodic Policy Reviews

The agency offers no cost insurance and account reviews, a service State Farm agencies commonly provide to confirm that existing coverage still matches a household's circumstances. Reviews tend to matter most after a life change: buying or selling a home, adding a teen driver, having a child, getting married, starting a business, paying off a vehicle, remodeling a property, retiring or moving. Reviews also give staff an opportunity to check that applicable discounts are in place, such as multi policy, multi vehicle, safe driver, defensive driving course, good student, telematics based programs, alarm and protective device credits, and new home or new vehicle discounts.

Practical Information

• Address: 224 W Main St, Kutztown, PA 19530
• Phone: 610-683-9900
• Website: stevedrasher.com, with quoting tools for auto, home, renters, life and business coverage
• Business type: insurance agency representing State Farm and its affiliates
• Accessibility: the property includes a wheelchair accessible parking lot
• Language and licensing: all staff who quote or bind coverage hold Pennsylvania insurance licenses

Callers are encouraged to have a few details handy when requesting a quote. For auto coverage that generally means the vehicle identification number, current mileage, driver license numbers for everyone in the household and the declarations page from an existing policy. For homeowners or renters coverage, useful details include the year the home was built, square footage, construction type, roof age, heating system, any recent updates, and an estimate of the value of personal belongings. Business owners should be ready to describe operations, annual revenue, payroll, vehicles and any professional licenses.

Local Context

Kutztown's insurance needs reflect a mix of college rentals, older borough housing stock, farms and rural properties, commuter drivers using Route 222 and Interstate 78, and a base of family owned businesses along Main Street. A locally staffed agency in that setting tends to handle a wide spread of requests in a single week, from a student's first renters policy to farm outbuildings, contractor liability and multigenerational family auto accounts. The Drasher office has served the area for many years and works with households that have kept their policies in place through moves, new vehicles, home purchases and changes in family size.

Anyone considering a quote, a coverage change or a review of current policies can contact the office directly by phone, stop in during business hours or start the process online.