Our agency has been a family owned business for four generations. We are the largest writers of auto, homeowners and business insurance in Potter and Tioga Counties. We serve the insurance needs of over 12,000 individuals and families, and over 250 businesses. William R. Karschner & Sons is a firm of proven professionals who are caring, conscientious individuals; the kind of people you can depend on. We represent a carefully selected group of financially sound, reputable insurance companies, and we strive to place you with the company offering the best coverage at a competitive price. We are committed to a high standard of excellence in all that we do, and to establishing a solid relationship of mutual trust and service. We do not work for an insurance company, we work for you.