Coverage for life on
the water, in Erie.
Jake Krezmien is a local GEICO agent right here in Erie. He grew up on this lake, hunts these woods, and drives these lake-effect roads himself — so when he writes your policy, he already knows the ground it has to cover. Auto, home, boat, and everything you haul to camp.
Sixteen years in.
Six of them right here.
Jake has spent sixteen years in the insurance business, and the last six building his own GEICO office from the ground up on the Lake Erie shore. That's the whole idea behind a local agent: the person who quotes you is the person who picks up when something goes wrong — and he's not going anywhere.
In six years the office has dug real roots— supporting veterans through community events, and backing youth and high-school sports across the area. It's the same instinct that makes him a good agent: show up, know your neighbors, and stick around long after the paperwork's signed.
When he's not at the office he's out on the water fishing, in the woods hunting, or up a trail hiking — which, around here, is exactly how most of his clients spend their weekends too. He knows what people insure because he owns the same boats, trucks, and gear.
The domain says car insurance.
The office covers a lot more.
Car insurance is what people search for — so that's the name over the door. But Jake writes every personal line GEICO offers, and out here each one earns its place on the lake, in the woods, or on the road home.
Auto
I-90, I-79, and the Bayfront Parkway carry most of Erie, and the lake makes its own weather — Erie is one of the snowiest cities in the country, and a squall off the water can turn the Peninsula Drive commute into a whiteout. A policy built for real snowbelt miles, not a national average.
Home
From the century homes in Erie's older neighborhoods to newer builds in Millcreek, Harborcreek, and Fairview, these houses take a hard winter — lake-effect snow loads, ice, the freeze-thaw that finds every gap. Homeowners coverage that expects the season Erie actually gets.
Renters
Behrend, Gannon, Mercyhurst, and Edinboro fill apartments all over Erie County. A landlord's policy covers the building; a renters policy covers everything you carried in — usually for less than a month of firewood.
Boat & Watercraft
Presque Isle Bay and Lake Erie keep half of Erie on the water all summer — walleye and perch boats out of the marinas, from the first thaw to the last good weekend. A boat that trailers home in November and launches in spring needs a policy for both halves of the year — the kind Jake keeps on his own.
Motorcycle & ATV
Route 5 along the lake and the ridge roads down toward the Allegheny country are some of the best riding around, and just about every hunting camp in Northwest PA has a four-wheeler parked behind it. Seasonal machines covered for how — and when — they're really used.
Snowmobile
When the lake-effect belt buries Erie County, the trail system opens and the sleds come out. A machine that only runs three months a year still needs coverage the other nine — and Jake rides these trails himself.
Something else in the driveway?
The GEICO portfolio runs past these six — umbrella, life, RV, and more. Call (814) 738-6000 and ask Jake straight up whether it can be written here.
One agent.
Three states.
Erie sits in a tri-state corner, and Jake is licensed on all three sides of it. If your address, your commute, or your camp crosses a state line, your policy already can too — no second agent, no starting over. The legal minimums aren't even the same from one side of the line to the other.
What Pennsylvania drivers
actually pay.
Pennsylvania actually runs a little below the national average on auto — but the gap between a cheap policy and the right one is exactly what a local agent is for. Real averages, straight from the source, so you know where you stand before you sign.
Average annual auto insurance expenditure per insured vehicle in Pennsylvania (2023).
Countrywide average: $1,282 — Pennsylvania runs a little below the national average.
Source: NAIC 2023 Auto Insurance Database Average Premium Supplement ↗Average annual homeowners insurance premium in Pennsylvania (2022).
A real number to size a policy against before an Erie winter, not after it.
Source: Insurance Information Institute / NAIC ↗Countrywide average annual renters (HO-4) premium (2022).
Roughly fourteen dollars a month to cover everything you carried into the apartment.
Source: Insurance Information Institute / NAIC ↗Why a local agent,
and not a 1-800 number.
Local, and staying local.
Sixteen years in the business, six of them building one office on this shore. The person who quotes you is the person who answers when it matters.
He knows the ground.
Jake hunts these woods, fishes this lake, and drives these lake-effect roads himself — so he knows what people out here actually need to cover, not just what a script suggests.
Backed by GEICO.
An independently owned and operated GEICO agency — the reach and pricing of a national carrier, with a named local agent standing behind the policy.
Let's cover your
home ground.
No pressure and no scripted pitch — just a straight talk with a local agent about the car, the house, the boat, and whatever else you'd hate to lose. Start a quote online or call the office and ask for Jake.