Shielding our neighbors since the 1940s.

Suburban Insurance continues the traditions of being as fair and honest as its predecessors.

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About Suburban Insurance Agency Inc

Suburban Insurance Agency, founded by Steve Patrick in the 1940’s, has grown to be a well respected insurance agency within and surrounding Austintown, Ohio and throughout Western Pennsylvania. Our expertise presents itself when educating our clients on valuable coverage options in personal, business and employee benefits solutions. We also specialize in niche markets such as auto, home, life, business trucking insurance, BOP, general liability and more. Our aim is to not only reduce insurance cost but to eliminate the gaps in coverage. To do this, our experienced associates puts life into perspective to help minimize any risks you might face with your current or lack of coverage.

By getting to know you and/or your business, we put your best interest first and your needs as our top priority. The relationship we keep with our carriers allows us to find you the best coverage for the most affordable price and quality service. As your neighborhood family-owned agency, we will simplify the search process, walk you through handpicked policy options and explain the nitty gritty in language you can understand.

Fairness

Honesty

Commitment

Value

Quality

Protection

Personal Insurance

Our goal is to protect you from the unexpected through top quality insurance coverage.

Business Insurance

We’ll thoroughly assess your situation to develop creative, cost-effective solutions for your business.

Employee Benefits

We can design an employee benefits program that works for your company and your employees.

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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 InsuranceEmployee Benefits
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.

Hear From Our Customers

Rated 5 Stars on Google!

At Suburban Insurance Agency Inc, we pride ourselves on excellent customer service. See what our customers are saying about us.

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All employees treat you like your family, which means a lot. They are also always ready with answers.

PhyllisClient

Ralph, Barb and Gary are honest, sincere and hard-working people who want to solve your insurance needs and protect your families.

PaulClient
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Visit Our Austintown, OH Office

1416 S Raccoon Rd
Austintown, OH 44515

Our services and coverages extend to clients of Youngstown, OH and throughout Western PA, including the areas of Sharon, Mercer, Cleveland and Pittsburgh.

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