Penfound Insurance began back in 1935 when founder Merle Penfound opened his insurance office in the family farmhouse nestled near a huge oak tree along Parsons Road in Lorain County, Ohio.

That oak, still standing, is our symbol for three generations of protection, service and value, at our 40960 Butternut Ridge Road, Elyria, Ohio location.

We are independent agents at Penfound Insurance, representing Grange, Progressive and Hagerty Insurance. As independent agents we don’t work for any one insurance company … we sell coverage from a variety of quality companies so that we can offer you the best combination of service and price, for home, auto, life, commercial, risk, collector car, boat and motorcycle coverages.

Once you’ve found Penfound Insurance, Owner Barry Penfound and customer service representatives Laura Blackford and Tracy Randolph will make it easier to understand the insurance world and the options available to make it work for you.


Insurance is a necessity to cover the risk of a loss, but it doesn’t mean it should cost an arm and a leg. The truth is there is not a “one price fits all” for home, auto, commercial or life coverage. Just the difference in the deductible, for example, can mean major savings for you, and an independent agent can explain the best options.

Companies like Grange Insurance offer many incentives that can result in savings for you, and as independent agents we can walk you through the many ways to save. Just of few of these discounts are Good Student, Multi-Car, Multi-Policy, and more specialized options like membership in auto clubs or professional groups can result in lower premiums. We can review these incentives with you and answer questions about them.

It takes a professional to combine all the elements of an insurance quote. The age of the home, the value of the home, even the ROOF’S AGE of the home can affect a quote. Items like the distance to a fire station, having a wood burning stove, or having a pool also play their part in preparing an accurate quotation.

Easily the most important part of an independent agent is the PERSONAL help available to you. Customer service means everything, especially if there is a claim or if help is needed to work with an insurance company. Our ability to get answers is critical, and having a REAL OFFICE to visit can bring peace of mind.

These are just a few of the reasons Penfound Insurance is proud to be an independent agency.