About Us

Elkins Insurance AgencyPioneer Insurance Agency, Inc., established in 1983, is owned by F. Ellen Streets and serves Randolph, Upshur, Barbour, Harrison, Tucker, Pocahontas, and Pendleton Counties.

Ellen Streets started in the insurance field in October 1970. She has attended numerous insurance schools on an annual basis and currently holds the designations of Life Underwriter Training Council Fellow (LUTCF), Certified Professional Insurance Woman (CPIW), and Certified Insurance Counselor (CIC). Ellen has been listed in the 1995 – 1996 and 1999 – 2000 editions of the National Directory of Who’s Who in Executives and Professionals, and in the 1991 World Who’s Who of Women. In October 25, 2010 she added a new office on the Beverly Five Lane in Elkins.

Our mission at Pioneer Insurance Agency, Inc. is to provide our clients with the financial security and peace of mind by the use of appropriate insurance, bonding and investment products and services. Pioneer Insurance Agency, Inc. is committed to providing our clients with the best in products, prices and service.

An Independent Advantage

We are Independent Agents in Elkins, West Virginia, free to choose the best carrier for your insurance needs. We do not work for an insurance company; we work for you. We work on your side when you have a loss and follow through to see that you get fair, prompt payment and service. Pioneer Insurance Agency, Inc. represents a carefully selected group of financially strong, reputable insurance companies, therefore, we are able to offer you the best coverage at the most competitive price.

What is an Independent Insurance Agent?

When you decide to buy a car, you wouldn’t purchase the first one you see. What if one day the automobile industry decided to make only one type of car, one make and one model. You wouldn’t have a choice!

The same situation holds true for insurance. You need insurance to drive a car, to purchase a house, to protect your family’s financial future and to run a small business. But if there was only one insurance company that offered only one type of insurance, car insurance, home insurance or businessowner policy — you wouldn’t have a choice. The only solution would be going to that one company.

With an independent insurance agent, you have choices. Independent agents are not tied to any one insurance company. One of the advantages of using an independent agent is that he or she works to satisfy your needs. You are using an expert for an important financial decision.

An independent agent has several companies that he or she can approach to get you the best coverage at the best price. And your independent agent will know the companies with the most efficient claims departments to recover your losses as quickly as possible.

When you buy insurance, whether it’s for your home, your car or your business, you want an advocate who will properly assess the risks you face and give you an objective analysis of the marketplace, it’s up to you to make the final choice.