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Humphrey Insurance Agency

Available. Reliable. Versatile.

Maintaining our traditional insurance roots, but with a modern touch to enable us to meet our clients expectations.

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Humphrey Insurance Agency

85+ years of dedication to personalized insurance and service.

An agency that represents your needs.

Originally established in 1935 by Ralph L. Humphrey and later by his son, we’ve been committed to working up to the highest standards to provide Ashtabula, OH, and beyond with top-quality insurance and friendly, personalized service. Our new owner, Tony Cusati, brings his years of insurance experience to the rest of our team to continue bringing you the coverage and service you’ve come to know and trust. We look forward to serving you, whether you’ve been with us for years or are getting insurance for the first time.

A team that’s happy to help you.

We’re all about putting a face to the name when it comes to your insurance. Because with us, we work with you to help you find coverage that meets your needs while making the process simple. Get to know our wonderful team of insurance professionals who are here to guide you in your insurance journey.

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The Humphrey Building

Learn about the historic building we’ve been operating from for 55+ years.

  • The Humphrey Building was originally built in 1916 by the prominent Griswold family.
  • Humphrey Insurance Agency purchased the building in 1966.
  • There used to be a rose garden where the parking lot is now.
  • The wood paneling and trim is different on all three floors.
  • We offer tours of the Humphrey Building when you stop by as a client or to get a quote.

The Solution to Your Insurance Needs

Providing a variety of personal insurance and business insurance solutions is what Humphrey Insurance Agency does best.

Personal Insurance

Trusted advice and insurance solutions to protect what matters most.

Business Insurance

Trusted advice and insurance solutions to protect what matters most.


Humphrey Insurance Agency + Erie Insurance

We strive to uphold Erie Insurance’s long-standing commitment to service.

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What Makes Humphrey Insurance Agency Special

Here’s what sets us apart when it comes to serving your insurance needs.

Community Focused

We are proud to be a part of the Ashtabula, OH, community, protecting local families and businesses with quality coverage.

Personalized Service

Get the friendly, personalized service you know and expect from us, backed by a team who is here for you.

Part of History

We’ve been in business since 1935 and have operated from the Humphrey Building, a historic part of our community.

The Advantage of an Independent Agency Working for You

What makes our independent agency different?

  • We represent multiple insurance companies.
  • We are licensed insurance advisors.
  • We are by your side every step of the way.
  • We offer a wide variety of insurance solutions.
  • We are there for you in your time of need.
Find Out How
Interactive Graphic

Click it. Read it. Cover it.

Get a glimpse of the risks you face and how your insurance can protect what matters most.

Bodily Injury Liability Coverage
Risk Factor

It’s easy to get distracted while driving. All it takes is an incoming text message, a fussy baby, or changing the radio station and your eyes are off the road long enough to crash into the slowing vehicle in front of you. As an owner/operator of the vehicle, you may be held financially responsible for any bodily injuries caused as a result of the accident.


Bodily injury liability covers your legal liability for a covered accident that involves injury to another person, up to the limit of liability you select. Purchase enough coverage to protect your assets should a claim be brought against you or if you are sued. You should also consider purchasing an excess liability policy which may provide additional limits of liability.

Property Damage Coverage
Risk Factor

When involved in an auto accident, you and your family may be financially responsible for any damage caused by your vehicle to someone else's property. The amount required, if any, can vary by state.


The property damage portion of your auto insurance policy protects you if your car damages someone else's property, such as another car, a fence, or a building. In some instances, you may be able to choose your coverage limit, or it may be a standard amount dictated by the insurer or local laws.

Medical Payments Coverage and Personal Injury Protection
Risk Factor

Depending on the severity of the injuries suffered in an automobile accident, whether caused by you or by the other vehicle, it's not uncommon for healthcare costs to run into the thousands of dollars, with a large portion being out-of-pocket expenses not covered by your health plan.


Medical payments coverage or Personal Injury Protection, depending on where you live, can help cover some medical expenses and funeral expenses of covered drivers and passengers after an accident. The exact requirements, limits, and coverage can vary by state, so it's important to understand what's required where you live.

Uninsured / Underinsured Motorist Damage Coverage
Risk Factor

What happens when the driver who hit you doesn't have enough liability coverage? Or, even worse, they take off? Research has shown that this happens more than you might expect. If you’re in a collision with someone who is uninsured or underinsured, you can be left to pay out-of-pocket for damages and medical expenses not covered by the other driver.


Uninsured/underinsured motorist damage coverage may compensate you for bodily injury and lost wages caused by an uninsured motorist, a hit-and-run driver, a driver whose automobile insurance company is insolvent, or a driver who has not purchased enough coverage to pay for damages.

Physical Damage Coverage
Risk Factor

Your automobile can be a fairly costly investment – one that is exposed to many potential losses caused by weather related events, theft, and other circumstances that may be out of your control.


Physical damage coverage can protect your vehicle if it is damaged in an accident (collision coverage), is damaged by something other than a collision (comprehensive coverage) with a vehicle or object or if your vehicle is stolen. This coverage is optional if your vehicle is paid in full, but it is coverage you should consider if you want to fully protect your vehicle.

Rental Coverage / Loss of Use
Risk Factor

When your vehicle is being repaired or replaced due to a covered loss, you may have to rent a vehicle to get you to and from your daily responsibilities without any interruption. Vehicle rental can get expensive, especially over an extended period of time.


Rental coverage/ loss of use is an inexpensive option you can add to your auto insurance policy to pay for the cost to rent a temporary replacement vehicle or the cost of public or private transportation if your vehicle is ever in an accident. This coverage is available in a variety of daily limits.

Auto Insurance 101

Make sure you cover the unique risks you face with auto insurance.

  • Click on the hotspots.
  • Discover your risks.
  • Get the right coverage.
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Ashtabula, OH

1258 W Prospect Road
Ashtabula, OH 44004

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