Ezell & Skipper Insurance Agencies, DBA Dansby Evans Skipper Insurance
118 S Mulberry Ave, Butler, AL 36904
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Butler households and business owners trust local agents to navigate carrier appetite shifts, underwriting requirements, and the claims process.
Compare local agents, coverage options, and specialties to find the right fit for your insurance needs.
118 S Mulberry Ave, Butler, AL 36904
View this agency's profile to learn more about their services.
Learn about insurance coverage options specific to Butler residents.
Butler, PA drivers face unique insurance choices. Learn about Pennsylvania's choice no-fault system, 15/30/5 minimums, limited vs full tort, and how PA-8 access impacts rates.
Pennsylvania requires 15/30/5 liability coverage (meaning $15,000 per person for bodily injury, $30,000 per accident, and $5,000 for property damage) plus $5,000 in Personal Injury Protection (PIP). These minimums apply statewide and haven't changed for 2025-2026. However, most insurance agents recommend higher limits to adequately protect your assets in the event of a serious accident.
Butler County homeowners pay an average of $967 per year for a standard homeowners insurance policy, which is significantly lower than Pennsylvania's state average of $1,911 annually. That works out to about $80 per month. Your actual rate will depend on your home's age, size, construction type, and the coverage limits you choose.
Pennsylvania doesn't require flood insurance by law, but your mortgage lender will require it if your home is in a high-risk flood zone. Even if you're not required to have it, flood insurance can be a smart purchase since standard homeowners policies don't cover flood damage. Given Butler's proximity to waterways like Connoquenessing Creek, it's worth discussing flood risk with a local agent.
PIP, also called First Party Benefits in Pennsylvania, covers your medical expenses and lost wages after an auto accident regardless of who was at fault. The minimum required is $5,000, but this covers expenses for you and your passengers. Because Pennsylvania is a no-fault state, your own insurance pays these benefits first, which means you can get medical treatment faster without waiting for liability to be determined.
Both options have merit, but local agents in Butler offer significant advantages. They understand regional risks, weather patterns, and local factors that affect your rates. They can also shop multiple carriers for you, help with claims, and provide personalized advice. Butler has several established local agencies on Main Street with deep roots in the community, including Mitchell Insurance which has been serving residents since 1849.
The most effective strategy is bundling your home and auto insurance with the same carrier, which typically saves 15-25%. Also ask about good driver discounts, safety feature discounts, low-mileage discounts if you drive less than 7,500 miles per year, and good student discounts for young drivers. Installing a monitored security system can reduce your home insurance premium, and raising your deductibles (if you can afford a higher out-of-pocket cost) will lower your monthly payments.
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