Since the 1950s

Shetter Insurance Agency

Shetter Insurance Agency

You’re not just a customer – you’re part of our family. Building personal relationships with our customers is how we do business.

Everett, PA Office

127 West Main St
Everett, PA 15537

Bedford, PA Office

214 E Pitt St
Bedford, PA 15522

Altoona, PA Office

305 Union Ave
Altoona, PA 16602

The Shetter Difference

We know that we’re not the only exclusive Nationwide agency offering coverage options in the Everett, Bedford and Altoona areas. So why choose us?

Family Comes First

Family is important at the Shetter Insurance Agency.

We hope to make customers feel as if they are part of our family.

We Take Care of You

We take the extra steps necessary.

We want our customers to feel welcomed from the very first contact we have with them.

We Build Relationships

We enjoy building personal relationships with each and every one of our customers.

Every customer is a chance to build a personal relationship.


We enjoy being part of the community – the same community as our customers!

We work, live and play in the same community as our customers.

We Provide Education

We enjoy helping our customers obtain the coverage they need by educating them about all of their options.

We do not just sell insurance, we try and help our customers make informed insurance decisions.

Customer service is our main priority. Reach out to us today!

Customer service is our main priority. Reach out to us today!

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Insurance in Everett, PA, Bedford, PA and Altoona, PA

Shetter Insurance Agency offers personal insurance and business insurance throughout Pennsylvania.

Personal Insurance

Life happens fast, and the truth is there’s nothing as valuable as peace of mind. Our goal is to protect you from the unexpected through top quality insurance coverage that works for your needs, as well as your budget.

Business Insurance

In today’s ever-changing environment, risk is constant. Business insurance isn’t. We’ll thoroughly assess your business and situation to develop creative, comprehensive, cost-effective solutions that fit your needs.

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

Personal Property

Risk Factor

Unpredictable losses can occur to your property due to burglary, fire, water damage, storm, and more.


Personal property, such as furniture, rugs, TVs, stereos, clothes, and more may be covered under your basic insurance policy. However, items like jewelry, furs, silverware, antiques, collectibles, and other valuables should likely be insured separately.

Limits and Exclusions

Risk Factor

Some types of personal property are subject to limits of coverage under renters insurance policies. These limits vary by the type of property and by what caused the loss or damage. For example, jewelry, bicycles, collectible cards, and coins may have limited coverage or may not be covered.


Obtain a floater. A floater is coverage that specifies the item(s) covered under the policy, the limits of coverage applicable and the deductible. This is the best solution to make sure your favorite valuable item(s) are covered in the event of a loss.

Additional Living Expense

Risk Factor

If the building you live in has a loss from a covered peril under your renters insurance policy that makes your apartment or home uninhabitable, you will need to find somewhere else to live while the repairs are undertaken. This can be expensive and inconvenient.


Be sure your insurance policy includes additional living expense coverage. If you need to move out and rent another location, this coverage provides for the increase in living expenses–such as moving costs, increased food costs, and other expenses.


Risk Factor

You are responsible if you or a guest in your unit trips and falls or sustains an injury while on your property.


Be sure that you have adequate liability insurance to protect for claims made against you for bodily injury or property damage – such as a slip and fall or other allegation. Liability coverage also provides protection should you become legally liable for unintentional bodily injury or property damage anywhere in the world.

Medical Expenses

Risk Factor

You're responsible if a guest is injured while on your property and you may be required to pay their medical expenses.


Ensure your insurance policy covers this risk. In the event a person is injured in your unit, he or she can submit medical bills to your insurance company. Medical expenses are usually paid without a liability claim being filed against you, with typical limits ranging from $1,000 to $5,000.


Risk Factor

You may not be able to rent the apartment or home if your landlord or property manager requires renters insurance and you do not have it.


Having a renters insurance policy allows you to provide a certificate of insurance to the landlord or property manager showing that you have the coverage required to rent the apartment or home.

Improvements or Betterments

Risk Factor

Any improvements or betterments that you have made to your unit are subject to damage.


Be sure to obtain coverage for improvements or betterments that you have installed in your apartment or home.

Contents Away from Home

Risk Factor

You may take your valuable property outside of your unit. For example, what happens if your laptop or golf clubs get damaged or stolen while traveling?


Be sure to add off premises theft coverage to your policy to cover your personal property while your belongings are away from your home. Auto insurance does not usually cover personal property stolen from your car.

Premises Liability

Risk Factor

You may be responsible for damage to your apartment or dwelling should you, for example, have a leaking sink or accidentally start a fire.


Be sure your policy has liability coverage that includes tenants legal liability or premises liability. Your landlord may require that you to have this type of insurance protection in place as a requirement before renting the property to you.

Shetter Insurance Agency Client Portal

Manage your account with us quickly and easily!

Report Claim
Request Policy Change
Request Certificate
Request Auto ID Card
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Policy Review

Insurance Quote Request

As an exclusive Nationwide agency, we select multiple options at competitive prices.

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