An independent agency built on relationships
Spieles Troutwine Fout Insurance Group has protected families, farms and businesses across west-central Ohio for more than 60 years.
Local people, national markets
STF Insurance Group is an independent insurance agency headquartered in Arcanum, Ohio, with additional offices in Vandalia and Middletown. As an independent agency we are not tied to a single insurance company — instead we hold contracts with more than 20 regional and national carriers and place each client with the one that fits them best.
That structure matters most when something changes. A new roof, a teenage driver, a business that outgrows its policy, a rate increase, or a claim on your record can all make yesterday's carrier the wrong one today. When that happens, we re-shop your coverage without you having to find a new agent, refill out an application from scratch, or start a relationship over.
We handle personal insurance, farm and agribusiness, commercial accounts, life insurance and Medicare — which means one office can cover the house, the pickup, the shop, the ground you farm and the policy that protects your family if you are not here.
Local
Three offices, all in southwest Ohio, all staffed by people who live here.
Independent
More than 20 carrier relationships, so your options are not limited to one company.
Full service
Personal, farm, commercial, life and Medicare handled under one roof.
Straightforward
Plain-English explanations, honest trade-offs, and no pressure to buy today.
Five reasons clients stay with STF
Most of our new business comes from someone we already insure. These are the reasons they give.
- 1
We work for you, not one company
We are not captive to a single insurer. We analyze your situation and place it with whichever of our carriers fits it best — and we can move it if that changes.
- 2
We stay current so you do not have to
Working with many companies means we see how forms, endorsements and pricing shift across the market. We keep your coverage up to date rather than letting it renew on autopilot.
- 3
We push claims through
Our relationships with the companies we represent let us advocate for prompt, fair claim handling. You call our office and we help you work it to a resolution.
- 4
We keep learning
Our agents carry ongoing education in personal lines, farm, commercial, life and Medicare so the advice you get is current and specific to your situation.
- 5
We look for value, not a quota
Buying insurance is about more than the lowest number on a page. We look for the product that will actually respond when you need it, and we say so when a cheaper quote is cheaper for a reason.
A few of the companies we represent
We place business with more than 20 carriers. See the full list, along with payment and claim links, on our carriers page.
See what the right coverage actually costs
Send us a few details and an agent will compare your options across our carriers. No cost, no obligation, no automated runaround.