John Koziol and Bill Hutchins are incredibly helpful and informed agents. They advised my wife and I to help determine the right type of policies and coverages to protect our family and our possessions. As part of our auto policy, they recommended accident forgiveness, and I’m glad they did. Our son was in a recent accident (fortunately he was not hurt) and as a result of the agency’s proactive recommendation, our rates will not be impacted. The claims process was quick and professional with ongoing communication throughout. Within one day, the adjustor reviewed the damage and provided an estimate, which was quickly followed with a payment. For anyone looking to protect their families and belongings, I would highly recommend the Koziol Agency.