Daymont-Souders Insurance Agency FAQs

Yes. We’re a locally owned, independent insurance agency — which means we’re not tied to any single insurance company. Instead, we represent many of the nation’s top-rated carriers and shop them on your behalf to find the coverage and price that fit you best. If your needs change, or a better option comes along, we can move your coverage without you having to start over somewhere new.

We offer a full range of personal and business coverage, including home, auto, renters, condo, motorcycle, boat, and umbrella insurance, as well as life insurance and Medicare. For businesses, we write commercial property, commercial auto, general liability, business owners policies, and workers’ compensation, plus employee benefits such as group health, dental, vision, and disability. If you’re not sure what you need, that’s exactly what we’re here to help you figure out.

We’re based in Dayton, Ohio, and proudly serve Huber Heights and the greater Miami Valley. We’re also licensed to write coverage in several additional states, so if you’ve moved or have property elsewhere, we can often still help.

As an independent agency, we work with a wide range of well-known, financially strong carriers — including Erie, Progressive, Pekin, Liberty Mutual/Safeco, Foremost, and more. Because we represent multiple companies, we can compare options side by side rather than fitting you into a single company’s products.

No. You generally pay the same premium whether you buy directly from an insurance company or through an independent agency like ours — but with us, you also get a local advocate. We help you compare carriers, understand your coverage, review your policies as your life changes, and stand in your corner if you ever need to file a claim. That guidance comes at no extra cost to you.

Buying online means you’re on your own to pick the right coverage, compare companies, and handle any problems later. As an independent agency, we do that work for you — we shop multiple carriers, explain the differences in plain language, and make sure you’re not over- or under-insured. And when something goes wrong, you have a real, local team to call instead of a 1-800 number.

Getting a quote is easy and there’s no obligation. You can call us at (937) 461-5563, request a quote through our website, or stop by our Dayton office. We’ll review your situation, shop our carriers, and walk you through your options.

Reach out to us and we’ll help guide you through the process. As your independent agency, we can help you understand your coverage, work with the insurance company on your behalf, and answer questions along the way — so you’re not navigating a claim alone.

Our roots go back to 1954. We began as two respected local agencies — Daymont Insurance in Dayton and Souders Insurance in Huber Heights — that merged in 2008 to form Daymont-Souders Insurance Agency. Today our combined team brings decades of experience, and in 2025 our community voted us Best of Dayton — First Place for Insurance (Dayton Daily News).