Your Trusted Ally in the Insurance Industry

At AFS, our mission is to advise and help our clients to secure their future through meaningful interactions, industry expertise, and local presence.

Insurance in Waynesboro, PA, Greencastle, PA, Chambersburg, PA, Hagerstown, MD and surrounding areas. Licensed in PA and MD

AFS Insurance & Financial Services, Inc offers personal insurance and business insurance options.

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.

I must admit, you did an amazing job in answering my question without a doubt! I didn't even expect to hear back from you today. You are simply amazing with what you do!

Greg S.Waynesboro, PA

I have a trusted ally in the insurance business.

Wayne D.Waynesboro, PA

We could not have gotten any better service from the time of the accident, until closure with all of the kindness and courteous service given to us by all the staff involved.

Jean B.Chambersburg, PA

Wow! I really appreciate everything you're doing to resolve this issue for me, I know it is a pain in the neck but you are doing an amazing job.

Alicia M.Hagerstown, MD

Thanks again for your patience, support, understanding and professionalism during our recent auto claim ordeal. You were always there when we needed you, which was greatly appreciated.

Karl W.Waynesboro, PA

You handled it with integrity and professionalism and it really helps ease the pain of an accident.

Harry B.Chambersburg, PA

What Our Customers are Saving

Customer Name
Amount Saved
Amanda & Michael Chandler
Andy & Rachelle Gehr
Ground Solutions, LLC
Robin Keihl
Brandon Reese
Chris & Shannon Skinner
Renee Wildeson
Mike & Tara

Trust. Ingenuity. Choice.

About AFS Insurance & Financial Services, Inc

As an independent, third-generation insurance agency, we specialize in all lines or personal insurance such as: home insurance, auto insurance, renters insurance, landlord insurance, motorcycle, and RV insurance. We also specialize in all lines of commercial insurance such as: business owners insurance, contractor insurance, commercial property insurance, general liability insurance, workers comp, and business auto insurance. Proudly serving Waynesboro, PA, Greencastle, PA, Chambersburg, PA, Hagerstown, MD, and all surrounding areas in PA and MD.

Our commitment to building relationships with our clients and within our community, as well as our industry expertise and access to exclusive insurance programs, sets us apart from all other agencies.

The AFS Difference:

  • Trust. All of our agents have committed to lifelong careers at AFS. That means that the same agent that writes your policy today will be there to stand behind it when you have a claim years down the road.

  • Ingenuity. Our agents are professionals, consultants, advisors, not just salespeople. We look at every risk from all angles and pride ourselves on finding creative solutions to guarantee you’re covered in the smartest way possible.

  • Choice. Free cell phone insurance for the whole family? Free firearm coverage? How about coverage for your household appliances that could replace those expensive warranties? We do the hard work to find you the most competitive rates and help you choose the finishing touches that tailor your policy to what’s important to you.

  • Strength. We are backed by one of the nation’s largest independent agency partnerships, Keystone Insurers Group, which gives our clients access to exclusive rates and coverages as well as other benefits. Our Keystone partnership also gives us access to top-level management at the insurance company when advocating for our clients.

  • Convenience. Mobile apps. E-signatures. After-hours service departments. Payments straight to your bank account within hours of reporting a claim. Our clients have the choice to self-service their policies as much or as little as they wish. We utilize technology to give our agents more time to have meaningful interactions with clients either in person or over the phone.

At AFS, we focus on getting to know our clients and letting them get to know and like us as individuals. We proudly share our families, hobbies and successes with them through social media, newsletters and welcome packets. As one of our clients, we will help you make smart decisions—protecting you from the unexpected and planning for the predictable.

Keystone Logo

We are proud members of Keystone Insurers Group.

2013 Winner of the Exemplary Underwriting Performance Award from Keystone Insurers Group
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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


Risk Factor

Most fires are devastating. Besides the emotional impact, the physical damage to your home can be significant. If you lost your home to fire, do you have adequate insurance to replace your home and its contents? Remember, inflation rates on building materials and construction costs rarely track with real estate values. As a result, rebuilding a home can often cost significantly more than expected.


Be sure to look for coverage that will account for replacement costs above the actual value of the home due to increased costs for building materials and construction. Also, local ordinances and building codes tend to change over time, which may require additional expense. Talk to your agent to find out what’s available for your home.

Personal Property / Contents - Property Damage

Risk Factor

When your home suffers damage due to an unexpected event, your personal property is also at risk. Furniture, appliances, clothing, electronics, and other personal items can also be damaged or destroyed.


Your homeowners insurance policy typically covers personal property, including the contents of your home and other personal items owned by you or family members who live with you. Make sure your homeowners policy includes replacement cost coverage for personal property so that you always receive the full cost to replace whatever item is damaged.

Additional Living Expense / Loss of Use

Risk Factor

When there is substantial damage to your home due to unexpected events such as lightning, fire, or a storm, you may not be able to live in your home until it can be repaired or rebuilt–potentially incurring additional living expenses for lodging, food, and other daily needs.


Ensure that your homeowners insurance policy provides additional living expense or loss of use coverage to compensate you for the additional costs you incur for reasonable housing and living expenses if a covered event makes your house temporarily uninhabitable while it's being repaired or rebuilt.

Jewelry, Fine Arts, and Collectables

Risk Factor

If your diamond ring disappears or valuable artwork is stolen, your standard homeowners policy may not compensate you for the loss. Homeowners policies include coverage for your belongings and personal property, but some special items like jewelry, furs, silverware, antiques, collectibles, and other valuables have limited or no coverage and need to be insured separately.


Valuable possessions insurance covers personal property that may have unique value, cannot be replaced like regular personal property or is subject to special types of losses such as breakage or mysterious disappearance. For most valuable possession categories, there is no deductible applied at time of loss. Valuable possessions insurance can be added to your homeowners policy or may be written as a separate policy.

Medical Expenses

Risk Factor

If a guest is injured while on your property, even when it’s due to a friendly game of baseball, you may be required to pay any medical expenses associated with their injury.


Your homeowners policy should include medical expenses coverage to take care of injuries and treatment - generally not of a serious nature. In the event a person is injured on your property and requires medical attention, you would be able to submit the injury-related medical expenses to your insurance carrier. Medical expenses are usually paid without a liability claim being filed against you.

Personal Liability

Risk Factor

In the unfortunate event that someone slips and falls while on your property, you and your family may be held liable for any injuries that result.


Your homeowners policy includes personal liability coverage to respond to incidents where injuries or damages occur to a third party where you may be deemed negligent. However, you should consider purchasing a personal umbrella or excess liability policy to provide additional coverage limits to protect your assets in case a lawsuit is brought against you.

Miscellaneous Coverage

Risk Factor

The fun that comes with having a trampoline in your backyard can also be accompanied by serious risks, which may not be covered under your standard homeowners insurance policy since coverage varies from state to state and between insurance companies.


You should make sure your homeowners insurance policy covers your trampoline, as many insurance providers refuse to take on trampoline liability and exclude the item from coverage.

Personal Injury

Risk Factor

Young people are usually very active online. However, using social media and other sites can increase the possibility of them directly or indirectly damaging someone's reputation and exposing you, the parent, to a lawsuit.


Your homeowners insurance policy includes liability coverage for property damage caused by any member in the family, but it may not cover rumors or statements that damage a reputation. You need to add an endorsement to your policy to expand coverage to include liability protection that covers personal injury.

Umbrella / Excess Liability Coverage

Risk Factor

You invite guests over for a pool party and one of your guests dives into the shallow end of the pool and is permanently injured. They hire a lawyer to represent them and after a long legal battle, you and your family are left financially responsible for their injuries. Do you have enough money in savings to cover your legal responsibilities as well as the legal defense costs?


An umbrella or excess liability policy increases your personal liability limits by adding protection over and above your current auto, boat, or homeowners policies-providing real financial value, as well as priceless peace of mind. Excess liability insurance is available either by an endorsement to your homeowners policy or available as separate coverage.

Flood Coverage

Risk Factor

You do not have to live near a body of water to suffer loss due to flooding. With the changing weather patterns and more damaging storms occurring around the globe, flood losses are becoming more common in places that are not normally prone to flood damage. Your homeowners policy does not cover damage from flood. Could your home be at risk?


Purchase a flood insurance policy to protect your home and covered contents from certain types of flood losses as designated by the National Flood Insurance Program. A flood policy is purchased as a separate policy through the federal program (NFIP) or through a servicing carrier known as a write your own carrier.

Secondary Home

Risk Factor

Owning a secondary home has the potential of increasing your liability exposures.


Be certain that you extend the liability coverage under your homeowners policy to include your secondary home. You should also consider including the secondary home under an excess liability or umbrella policy to provide for additional liability limits.

Collector Cars

Risk Factor

Collector vehicles often have significant value and require specialized insurance coverage and claims handling.


Schedule your collectible vehicle on a separate collector car policy. By doing so, you are protecting the vehicle for either the appraised value or market value.

Wine Collection

Risk Factor

If you are a connoisseur of wine, you know that it is susceptible to outside environmental exposures that can ruin it. If the collection is damaged, coverage from your homeowners policy is a possible recourse. However, the damage is only insurable if it is a covered cause of loss as outlined in your homeowners policy. A deductible would also apply.


If you have a sizable wine collection, you may want to consider scheduling the collection on your homeowners policy. Doing so expands your coverage and eliminates the deductible in case of a loss. You can also consider unique coverages for wine, such as for spoilage.

Water Backup

Risk Factor

Most homeowners policies exclude coverage for water back-up damages as a result of a clogged drain, sewer, or sump pump.


Water backup coverage can be added to most insurance policies. Consider adding it so that you have the coverage you need in the event of damages caused by a clogged drain, sewer, sump pump, and related risks.

Off-Premises Theft

Risk Factor

Surprisingly, standard auto insurance does not cover personal property or contents stolen from your car.


Most homeowners policies offer an option to include off-premises theft coverage as an endorsement, which covers you for theft of your personal property away from your residence.

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5 days ago

AFS Insurance & Financial Services
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