Chaney-Buskirk Insurance

Your local, independent insurance specialists

Serving individuals and businesses throughout Pennsylvania, Virginia, West Virginia and Maryland

Personal

Business

Life and Health

Low Rates. Local Agents. Peace of Mind.

At the Chaney-Buskirk Agency, our mission is to provide the most affordable insurance with the best protection while providing outstanding customer service to each and every one of our clients. We assist you in identifying your individual insurance needs so that we can develop the most comprehensive, cost-effective solution possible.

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Our Awards

Previous Winner

Erie Insurance Samuel P. Black Elite Award

Annual Winner

Erie Insurance Founders
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Chaney-Buskirk Insurance + Erie Insurance

We offer Erie Insurance coverage at competitive rates.

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Our Locations

Wiley Ford, WV

Fort Ashby, WV

Also, serving the areas of Cumberland, MD, Ridgeley, WV, Keyser, WV, Romney, WV.

Life

Providing for Your Family

Risk Factor

Raising a child is a rewarding and important life experience. It is also very expensive. The average cost of raising a child, born in 2013, to age 18 is more than $300,000. If you were to die tomorrow, would your spouse be able to provide food, clothes, daycare and eventually college tuition for your child? In 2013, the average cost of tuition, fees, room and board for a private college was $41,412 per year.

Solution

Having life insurance could secure the future for your children if you have an untimely death. With a life insurance policy, there would be enough income to help pay for everything your child could need while growing up.

Mortgage Payments

Risk Factor

After your death, any outstanding debt and financial obligations do not disappear. Your home is probably the costliest and most significant property you own. A mortgage payment is a large burden for a widow or widower to carry.

Solution

A life insurance policy would allow your spouse or children to pay off your outstanding debts and spare them the stress of making monthly payments on the home and car(s).

Auto Payments

Risk Factor

Many families lease or finance their automobiles these days. If the primary earner in the family were to die, the family could be left with outstanding car payments for years to come.

Solution

A life insurance policy would allow your spouse or children to pay off your outstanding debts and spare them the stress of making monthly payments on your car(s).

Funeral Costs

Risk Factor

The average funeral costs about $10,000. That high price is for standard things, not unnecessary options or luxurious services. A death in the family is stressful enough; why add the hefty bill of a funeral to that stress?

Solution

A life insurance policy can easily cover the cost of a funeral. Your family will be able to think of you and have peace of mind without being burdened by funeral costs.

Protecting Your Retirement Savings

Risk Factor

Once you retire, you will be living off social security, and if you are lucky to have them, a pension or retirement fund, too. But what if the surviving spouse has been relying on you to fund retirement for the couple? Premature death of an earner can affect sources of retirement benefits such as Social Security benefits.

Solution

Life insurance can help support a surviving spouse during his or her retirement.

Protecting Your Small Business

Risk Factor

If you passed away, would your business suffer? There are many complications and financial issues that can arise due to the death of a business owner. Many people overlook this predicament.

Solution

A life insurance policy can keep a business moving along even during tough times, such as the loss of the business owner/partner. Key person life insurance is payable to the company and provides money for training and hiring of a new employee. A buy-sell agreement, funded by life insurance, allows the other partners in the business to buy the deceased’s share of the business, which will provide money for his or her family.

Spousal Support / Income Replacement

Risk Factor

Many people mistakenly think that they don’t need life insurance if they don’t have children or if their children are grown. However, your financial responsibilities fall to your family when you are gone.

Solution

Life insurance can replace the income you would usually bring in and help support your spouse or adult children. Keeping your loved ones living in the way they are accustomed to is an important thing to think about.

There’s more to insurance than the price of the policy

Explore our interactive graphics and learn about your unique risks and the related insurance solutions.

Personal InsuranceBusiness Insurance
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Chaney-Buskirk has always been accommodating to our ever changing needs. They provide speedy service and wonderful customer service.

Customer since 2000

Quick service on all quotes. Asked for a quote on homeowners insurance and received a comprehensive quote quickly! Have always been an erie customer and will continue with their great customer service.

Customer since 2001

Whenever I call or email I always get a prompt response. Everyone is always helpful and good customer service is hard to find.

Kelly P.

Outstanding, fast service and friendly staff. I saved $300 a month by switching to them. They don't seem to be income driven like so many other agencies.

Customer since 2018

We appreciate having friendly and personal agents who are always willing to answer questions or provide documentation when needed!

Customer since 2003

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