Insurance in Hershey, PA
Home, auto, and small-business insurance for Hershey, PA and Derry Township neighbors — compared across 10+ carriers by our local team at Looker, Wolfe & Gephart.
Veterans memorial streetscape in Hershey, Pennsylvania. Photo: Mr. Matté, Wikimedia Commons, CC BY-SA 4.0. Independent agency — not affiliated with The Hershey Company.
Insurance coverage for Hershey, PA homes, autos & small businesses
Insurance packages for Hershey, PA built around how Hershey-area and Derry Township residents actually live and work — then priced across multiple carriers.
Homeowners
Dwelling, personal property, liability, and loss-of-use for homes throughout the Hershey / Derry Township community. Older and higher-value dwellings may need careful rebuild estimates. Homeowners insurance · Home quote
Auto
Commuter coverage for US-322, PA-39, and medical-center / tourism-area driving — liability, collision, comprehensive, and stacking options under PA rules. Auto insurance · Auto quote
Flood
Standard homeowners policies usually exclude flood. Properties near Spring Creek or Swatara Creek drainage should check FEMA maps for their address. Flood insurance
High-value homes
When rebuild cost outpaces a standard HO-3 — common for larger Hershey-area homes — we look at carriers built for higher limits and scheduled valuables. High-value homes
Small business / BOP
General liability, business property, and packages for local shops, offices, and service businesses away from company-owned attractions. Business insurance · Commercial quotes
Retail & storefronts
Inventory, customer liability, and business interruption for independent storefronts and hospitality businesses serving residents and visitors. Retail store insurance · General liability
Motorcycle & e-bike
Seasonal motorcycle coverage and growing e-bike liability/theft options for East Shore riders. Motorcycle · E-bike
Umbrella
Extra liability above home and auto when you want higher limits for commuting, tourism-area driving, and homeownership risks. Umbrella insurance
Local risk notes for Hershey (17033)
We tailor quotes to the property and the commute — not a generic ZIP code average.
Spring Creek & flood awareness
Parts of the Hershey area drain toward Spring Creek and the Swatara. Flood is usually separate from homeowners — we review FEMA maps at the address level, not by ZIP alone.
Tourism & visitor traffic
Seasonal visitor volume on Chocolate Avenue, US-322, and park approaches means congestion and collision exposure for personal autos and local businesses alike.
Medical-center commuting
Penn State Health Milton S. Hershey Medical Center draws daily staff and patient traffic. We compare liability limits, UM/UIM, and deductibles for that commute pattern.
Older & higher-value homes
Derry Township housing ranges from classic company-era dwellings to newer and higher-value homes — accurate replacement cost and the right HO form matter.
Independent Main Street businesses
Local restaurants and shops serving residents (not just park visitors) often need GL, property, and business interruption reviewed together — especially around peak tourism weekends.
Community life beyond the attractions
From Towne Square markets to the Jonathan Eshenour Memorial Trail and Shank Park, Hershey is a full-time hometown — and residents want a local agent when something goes wrong.
Explore related coverage
Jump to the pages most Hershey clients ask about.
Local Favorites around Hershey
A few community events, independent neighborhood spots, and local trails — shared because we live and work in the Harrisburg area too. (We are not affiliated with The Hershey Company.)
Events
Fresh Market at Hershey Towne Square. Recurring community markets and seasonal events (First Fridays, themed Second Saturdays, and more) at Hershey Towne Square.
AACA Eastern Fall Meet. The Antique Automobile Club of America’s Eastern Fall Meet returns to Hershey each fall — one of the region’s largest vintage-auto gatherings (public admission traditionally free; parking fees may apply).
Restaurants
Chocolate Avenue Grill. Independent American restaurant on Chocolate Avenue — a local favorite for dinner away from company-operated dining halls.
Fenicci’s of Hershey. Long-running independent Italian restaurant in Hershey — pasta, pizza, and family dining that locals return to year after year.
Local hikes
Jonathan Eshenour Memorial Trail. Derry Township’s paved multi-use trail network (~13 miles of connected segments) with access near Shank Park and Bullfrog Valley — the go-to local ride and walk.
Shank Park. Major township park with trail access, sports fields, playgrounds, and disc golf — a everyday Hershey-area outdoor hub.
Boathouse Park. Township park on Boathouse Road along the Swatara with boat launch, fishing, and picnic space for a quieter creek-side outing.
Hershey, PA insurance FAQ
Quick answers from a Harrisburg agency that serves Hershey and Derry Township every week.
Do you insure homes in Hershey ZIP 17033?
Yes. We quote homeowners and related coverages throughout the Hershey / Derry Township community and nearby areas that share the 17033 postal area. Pennsylvania only.
How far is your office from Hershey?
Our office at 44 Oak Park Rd, Harrisburg, PA 17109 is about 13–14 miles from central Hershey — typically around 20–25 minutes by car via US-322 / East Shore routes.
Is flood insurance included with homeowners?
Usually no. Standard homeowners policies exclude flood. If your property is near Spring Creek, Swatara Creek, or in a mapped flood hazard area, we can help you look at FEMA maps and separate flood options.
Are you affiliated with The Hershey Company?
No. Looker, Wolfe & Gephart is an independent Pennsylvania insurance agency. We serve Hershey-area residents and businesses; we are not affiliated with The Hershey Company or its attractions.
Can you cover a small independent business in Hershey?
Yes. We place general liability, business owners policies (BOP), commercial property, and related coverages for retail and service businesses — and we compare multiple carriers.
Why use an independent agent instead of buying online?
We shop 10+ carriers, explain the differences, and remain your local contact at claim time. You’re working with a brick-and-mortar Pennsylvania agency since 1987 — not an anonymous lead site.
How do I get a quote?
Call or text 717-657-9944, or use our free quote page. Have your address, vehicle list, and current declarations handy if you have them — estimates are fine to start.
What our neighbors say
A few recent notes from people who have worked with our local team. These are real Google reviews, quoted in full.
Quick responses and clear concise answers to my questions. Couldn’t have had a better experience!! Definitely recommending services to my fam and friend
I have been using the services of Looker Wolfe & Gephart for over 15 years. My latest experience, working with Tre, has been yet another positive and comforting experience. He was extremely knowledgeable, providing me detailed options, and then quickly and efficiently walked me through the process to obtain the best rate, while updating my needed coverage. I highly recommend this group if you want family friendly. personable, and competent customer service! Thanks Tre!
Tré was so helpful in helping me obtain my first auto-insurance policy! He kindly and with patience answered my many questions and provided me with all of the information I needed to make an informed decision, and he made the entire process so simple. He was always available for a phone call, and I look forward to having him on hand to help with any future insurance needs. Thank you!
Communities we serve
These are just a few of our neighbors. We insure homes, autos, and businesses anywhere in Pennsylvania — all from one local office in Harrisburg.
44 Oak Park Rd, Harrisburg, PA 17109 · 717-657-9944 · agents@lwginsurance.com · Mon–Fri 8–5
Get your Hershey insurance quote
Tell us about your home, autos, or business — we’ll compare insurance options for Hershey, PA and follow up from the Oak Park Road office.
Please note: We offer insurance coverage in Pennsylvania only.
Not in Hershey? We write coverage for properties and businesses statewide in PA.
No new form on this page. Use the agency’s main free quote flow, or call/text the team directly.
44 Oak Park Rd, Harrisburg, PA 17109 · 717-657-9944 · agents@lwginsurance.com · Mon–Fri 8–5