Independent Insurance Agency
in Dayton, OH
Better Coverage. Better Price. Better Service. Straightforward, personal, and trustworthy insurance for your home, car, and business. We're the neighborhood office where someone actually picks up the phone.
Plans That Fit YOU
We shop multiple top-rated carriers to find you the best coverage at the most competitive price. No gimmicks, just solid protection.
Auto Insurance
Stay protected on the road. We find policies that cover you, your car, and fitting your budget.
Learn more about Auto Insurance
Home Insurance
Your biggest investment deserves the best shield. Comprehensive coverage for the place where life happens.
Learn more about Home Insurance
Renters Insurance
Protect your belongings and yourself. Affordable policies that give you peace of mind in your rented home.
Learn more about Renters Insurance
Business Insurance
From liability to property, we safeguard the business you've worked so hard to build against the unexpected.
Learn more about Business InsuranceLife Insurance
Protect the people who depend on you. Term, whole, we shop carriers to find the right fit.
Learn more about Life InsuranceTrucking Insurance
Coverage for Ohio owner-operators and small fleets. Primary liability, cargo, physical damage, and more.
Learn more about Trucking InsuranceCondo Insurance
Your HOA's master policy has gaps. We cover your personal property, interior improvements, and liability.
Learn more about Condo InsuranceMotorcycle Insurance
Coverage for every type of rider, from daily commuters to weekend cruisers and vintage bike collectors.
Learn more about Motorcycle InsuranceBoat Insurance
On-water liability, physical damage, and towing for Ohio boaters. All watercraft types welcome.
Learn more about Boat InsuranceRV Insurance
Weekend camper or full-timer, we build the right policy for your rig, from pop-ups to Class A motorhomes.
Learn more about RV InsuranceUmbrella Insurance
Extra liability protection above your home and auto limits. $1 million+ of coverage for as little as $150/year.
Learn more about Umbrella InsuranceThe Independent Agent Advantage
When you call a direct insurer like State Farm or Allstate, you get one company's rates and one set of options. When you call us, we shop your coverage across 10+ top-rated carriers to find you the best deal.
We work for you — not an insurance company. That means unbiased advice, honest comparisons, and no pressure to buy more than you need.
- One call, multiple quotes — We do the shopping, you do the choosing.
- No loyalty to any one carrier — If a better deal exists, we'll find it for you.
- Local expertise — We know Ohio's roads, weather, and coverage needs.
Carriers We Work With
Access to dozens of top-rated insurance companies — all through one local agency you can trust.
And many more — availability varies by coverage type.
What Our Clients Say
Real stories from real Dayton-area families we're proud to serve.
"I've been with American Financial Planners for over 15 years. They always find me a better rate when it's time to renew — and when I had a claim, they walked me through every step. Couldn't ask for better service."
"As a first-time homeowner I had no idea what coverage I needed. They explained everything clearly, shopped multiple carriers, and saved me over $400 compared to what I was quoted elsewhere. Highly recommend."
"We've bundled our home and auto here for years. The personal attention you get from a local, family-owned agency is something you just can't get from a 1-800 number. These folks are the real deal."
Your Neighbors, Your Trusted Advisors
American Financial Planners has served Dayton, Ohio, since 1971. We are family-owned and proudly rooted in this community.
We believe that insurance shouldn't be complicated or impersonal. When you call us, you talk to a real person who knows the area and cares about finding the exact right coverage for your family's needs.
- Family Owned & Operated
- Serving Dayton since 1971
- Personalized Custom Quotes
Ready to feel secure?
Let's review your current coverage and see if we can get you a better rate today.
Serving Dayton & the Miami Valley
Whether you're searching for an "insurance agent near me" in Dayton or a neighboring community, we're your local, independent choice — just a call away.
Don't see your city? We still cover you.
We serve all of Ohio.