Kotch Insurance Agency is an independent insurance agency based in Butler, PA, offering home, auto, life, business, Medicare coverage, and more. With access to many top carriers, Kotch Insurance finds the right coverage at the right price for families and businesses across Pennsylvania and beyond.
Finding the right insurance coverage is one of those things people put off until something goes wrong. A fender bender, a flooded basement, a health scare: these are the moments that show how much your coverage actually matters. For residents and business owners across Butler, Cranberry Township, and the surrounding communities, Kotch Insurance Agency has been the trusted answer to that question for over three decades.
Since its founding in October 1988, Kotch Insurance has built its reputation on something straightforward: treating customers like neighbors, not policy numbers. As an independent agency, Kotch works with many top-rated carriers, so clients get real choices rather than a one-size-fits-all policy pushed by a single company.
This post walks through what Kotch Insurance offers, why the independent agency model benefits you, and how the team serves families and businesses across Pennsylvania.
Why an Independent Insurance Agency Makes a Difference
Most people don’t think much about the difference between a captive agent and an independent one until they start shopping around. A captive agent works for one company and can only offer that company’s products. An independent agency like Kotch Insurance has relationships with many carriers, so it can shop on your behalf to find coverage that fits your needs and your budget.
For clients with straightforward histories, this often means better pricing. For those with a few bumps in their record, it means more options and fewer rejections. The Kotch team has experience with both, and they’re upfront about finding the best fit rather than the easiest sell.
To learn more, read why choosing an independent insurance agency in Pennsylvania matters before you make your next coverage decision.
What Kotch Insurance Covers
Kotch Insurance handles a wide range of personal and commercial coverage. Here’s a closer look at the areas where the team can help.
Home Insurance in Butler, PA
Homeowners insurance is one of the most important financial protections you can have, and one of the easiest to get wrong. Too little coverage leaves you exposed; too much means you’re paying for things you don’t need. The team at Kotch Insurance reviews your situation and helps you understand exactly what your policy covers, from structural damage to liability to personal property.
For homeowners in Butler and the broader western Pennsylvania region, local expertise matters. Weather patterns, property types, and community-specific risks all factor into the right home insurance policy.
Auto Insurance in Pennsylvania
Pennsylvania has its own rules around minimum coverage and its choice no-fault system. Working with an experienced local agent helps you understand what you’re required to carry and what additional coverage is worth adding. If you’re unsure what “full coverage” actually includes, our guide to full coverage auto insurance in Pennsylvania explains it.
Kotch Insurance writes auto policies for everyday drivers, as well as specialty coverage for motorcycles, classic cars, and watercraft. A restored vehicle or a boat you only use seasonally needs different coverage than a standard daily driver.
Life Insurance in Butler, PA
Life insurance gives your family financial stability if something happens to you. It’s a straightforward product that often gets overlooked until it’s urgently needed. Kotch Insurance works with clients to find life insurance that aligns with their family situation, income, and long-term goals.
Colten Raabe, who works across commercial and personal lines as well as life and Medicare coverage, brings specific expertise to this area. He helps clients understand what they’re buying and why it matters, without overcomplicating the conversation.
Business Insurance in Pennsylvania
Business owners carry a different set of risks than individual consumers. A single liability claim, a property loss, or an employee-related incident can create serious financial exposure. Business insurance through Kotch Insurance helps protect the operation you’ve built, whether you run a small retail shop, a contracting business, or a larger commercial enterprise.
The agency also works with commercial clients on employee benefit plans, an area where Colten’s licensing in life, accident, and health coverage comes into play. The Kotch Insurance services page outlines the full range of commercial coverage available.
Medicare Insurance in Pennsylvania
Medicare decisions are genuinely complicated. Between Medicare Advantage plans, supplement policies, and prescription drug coverage, the options can feel overwhelming for people approaching retirement. Having an agent who understands the landscape and can walk you through it clearly is valuable.
Kotch Insurance helps Pennsylvania residents navigate Medicare enrollment and plan selection, making sure they’re not paying for things they don’t need or missing coverage they do.
Additional Coverage Areas
Beyond the core product lines, Kotch Insurance also writes:
- Flood insurance
- Farm insurance
- Renters insurance
- Health insurance
- Boat and watercraft insurance
This breadth means clients can keep their insurance with one trusted agency rather than managing policies across multiple providers.
The Team Behind Kotch Insurance
Insurance is fundamentally a people business. The quality of your coverage matters, but so does the quality of the person explaining it to you, answering your calls, and helping you through a claim.
Richard W. Kotch Jr. founded the agency in 1988 after starting his career as a claims adjuster. That background shaped how he approaches coverage: he’s seen what happens when people are underinsured, and he brings that perspective to every client conversation. Rich is also active with veterans-focused organizations, including the Folds of Honor and It’s About The Warrior foundations.
Kimberly Kresh joined the agency in 2013 and has grown into a licensed sales and service agent who handles policy writing, billing, and day-to-day service. She was a Kotch client before she joined the team, which says a lot about the kind of service that earns long-term loyalty.
Colten Raabe, a Butler-area native, rounds out the core team. He started his career licensed in life, accident, and health before adding property and casualty, and works closely with business owners on both commercial and personal coverage.
For a fuller picture of the people behind the agency, visit the About page.
What Clients Say About Working With Kotch Insurance
Client feedback tells you a lot about how an agency actually operates. Kotch Insurance has many clients who’ve stayed for years, and in some cases decades.
One longtime client wrote in a Google review, “I have been with Rich Kotch Agency since 1990! I wouldn’t go anywhere else for insurance.” Another, who started with auto coverage and later added a home policy, said the team is “always incredibly responsive and easy to work with.” A third described working with Colten as seamless, noting that he “saved me money annually.”
Long-term relationships like these don’t happen by accident. They reflect a consistent approach to service that puts the client’s outcome ahead of the fastest transaction.
You can read more reviews on the Kotch Insurance Clients page.
How to Find the Right Coverage for Your Situation
The right insurance policy depends on many variables: your assets, your risk tolerance, your family situation, your business structure, and your budget. There’s no universal answer, which is exactly why working with an experienced local agent is more useful than buying a policy online on price alone.
A good starting point is understanding what coverage you have now and where the gaps might be. Our guide to finding the right insurance coverage for your needs offers practical steps for that review.
Kotch Insurance is licensed in Pennsylvania, Ohio, West Virginia, Maryland, North Carolina, Florida, Georgia, and Kentucky, so the agency can serve clients who live near state lines or own property in more than one state.
Getting in Touch With Kotch Insurance Agency
Kotch Insurance Agency is located at 201 South Duffy Road, Butler, PA 16001. You can reach the team at (724) 285-1164 or rich@kotchinsurance.com.
If you’d like to request a quote or ask a question first, the contact form is a straightforward way to get started. Real people answer the phone, so you’re unlikely to end up in a voicemail loop.
Is Kotch Insurance the Right Fit for You?
If you live or run a business in Butler, Cranberry Township, or the surrounding western Pennsylvania region, and you want an agency that takes the time to understand your situation rather than just selling you a policy, Kotch Insurance is worth a conversation.
The independent agency model gives the team flexibility most captive agents don’t have. Their experience across personal lines, commercial coverage, life, and Medicare means you can handle multiple coverage needs with people who already know your situation. And client relationships that span decades suggest the service holds up over time.
Frequently Asked Questions About Kotch Insurance Agency
Kotch Insurance Agency offers auto, home, renters, life, health, Medicare, business, commercial auto, general liability, flood, farm, classic car, motorcycle, and boat and watercraft insurance. As an independent agency, it works with many top carriers to find the right coverage for each client.
Kotch Insurance Agency is located at 201 South Duffy Road, Butler, PA 16001. The agency is licensed in Pennsylvania, Ohio, West Virginia, Maryland, North Carolina, Florida, Georgia, and Kentucky.
A captive agent represents only one insurance company and is limited to that company’s products. An independent agency like Kotch Insurance has relationships with many carriers, so it can compare options and find coverage that better fits each client’s needs and budget.
The Richard W. Kotch Jr. Agency was established in October 1988 in Cranberry Township and moved to its current Butler, PA office in April 1998. It has served the local community for over 35 years.
Yes. Kotch Insurance helps Pennsylvania residents understand and choose Medicare coverage, including Medicare Advantage and supplement plans. Agent Colten Raabe works with clients on life and Medicare coverage alongside commercial and personal lines.
Yes. Kotch Insurance offers business and commercial insurance in Pennsylvania, including general liability, commercial property, commercial auto, and employee benefits. The agency works with business owners to find the right coverage for their industry and risk profile.
Call (724) 285-1164, email rich@kotchinsurance.com, or use the contact form on the website. The team is known for answering the phone during business hours.