We shop the market, you keep the choice
Because we are independent, we can quote your risk with more than 20 carriers at once and show you the differences side by side — not just the price.
Independent Agency · Arcanum, Ohio
Coverage that keeps your life, family, and future secure.
STF Insurance Group is an independent agency, which means we work for you — not for one insurance company. We compare coverage from more than 20 top-rated carriers, explain the differences in plain English, and stay with you at renewal and at claim time.
- Free, no-obligation quotes
- One agent for home, auto, farm & business
- Local claims help when you need it most
60+Years serving the Miami Valley
3,000+Families & businesses protected
20+Top-rated carriers compared
3Ohio offices near you
What we insure
Coverage for every part of your life
Personal, farm and commercial insurance under one roof. Pick a coverage below to see what a policy typically includes, what you can add, and the questions we hear most often.
Auto Insurance
Liability, collision, comprehensive, uninsured motorist and roadside help for every vehicle in the driveway.
Learn moreHome Insurance
Dwelling, other structures, personal property, liability and loss of use for homeowners, condos and renters.
Learn moreFarm Insurance
Farm dwellings, barns, machinery, livestock, crops and the liability that comes with an operation.
Learn moreCommercial Insurance
General liability, commercial property, business auto, workers compensation, bonds and cyber.
Learn moreRecreational Insurance
Boats, RVs, campers, motorcycles, ATVs, golf carts and collector cars — on and off the road.
Learn moreLife Insurance
Term, whole and final expense coverage that keeps your family financially steady.
Learn moreHealth & Medicare
Individual health plans, Medicare Advantage and Medicare supplement guidance from a licensed specialist.
Visit our Medicare siteNot sure what you need?
Tell us a little about your household or business and an agent will build a plan around it — usually the same day.
Get a QuoteWhy STF
An independent agency works for you, not the carrier
For more than 60 years, families, farmers and business owners across Darke, Montgomery and Butler counties have trusted STF Insurance Group to get their coverage right. We are big enough to have the markets and small enough to know your name.
One agent for the whole household
Home, auto, farm equipment, the business truck and your life policy can all sit with one agent who knows how the pieces fit together.
A real person at claim time
When something goes wrong you call our office, not a call center. We help you open the claim and follow it through to the payment.
Reviewed at every renewal
Values, vehicles and businesses change. We re-check your coverage and re-market your policy when the numbers stop making sense.
Advice that keeps you ahead
We stay on top of regulatory and market shifts so your protection keeps pace with changing risks, costs, and opportunities.
How it works
Getting covered takes three steps
No pressure and no obligation. Most quotes come back the same business day.
- 01
Tell us about you
Call an office, stop in, or start a quote online. We ask about what you own, who drives, and what would hurt the most to lose.
- 02
We compare the market
Your agent runs your information through our carriers and brings back the options that actually fit, with the trade-offs explained.
- 03
You choose, we service it
Pick the policy you are comfortable with. We handle the paperwork, the changes and the claims for as long as you are with us.
Start My QuotePrefer to talk it through? Call (937) 692-8310.
Our carriers
Payments & ClaimsBacked by companies you already know
We place business with more than 20 regional and national carriers, so you get the strength of a large company with the service of a local office.
Customer reviews
What our clients say
We have earned a 4.5 out of 5 average rating from the people we insure across the Miami Valley.
★★★★★
We have been with STF for years now with our personal home and auto policies as well as our business insurance and commercial auto. The service we have been given by Hannah and everyone in the office is absolutely professional and quick.
★★★★★
STF Insurance is fantastic. They have the best customer service I have ever seen and the staff is very professional and friendly. Love doing business with them.
★★★★★
While I have had plenty of wonderful experiences with STF, I will call out one gem in specific. Heather M. has gone above and beyond working with me. I greatly appreciate all the time and attention to detail she has offered.
★★★★★
Excellent customer service. Jamie is always on it. Prompt responses. Always looking to find the most cost effective solutions for their customers.
★★★★★
Very easy to work with and great communication. They will work hard to find you the right coverage with great prices.
★★★★★
I highly recommend STF Insurance Group, their customer service is second to none.
Visit us
Three offices across southwest Ohio
Walk-ins are welcome during business hours, and every office can help with any policy we write.
Free quote
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.