alphonse l. kovacik insurance, inc.   sINCE 1981

Call Now : 724-459-5389

A Retirement Blessing
By Barbara D. MacAdams
You started on this journey, so many years ago, and now it's time to leave behind dear friends you've come to know!
You sought Divine directions & a heart to do His will. Your work became your passion, as you used your gifts & skills.
You set the highest standards for yourself and others too, showing honor, pride & dignity - they saw the best in you!
A "rags to riches" story need not be your bottom line. The priceless things we gain in life, often come from the Divine.
So don't waste one more minute "wishing" for things that might have been, rather watch the seeds you've planted grow, and feel His peace within.
I pray God keeps you safe & well, wherever you may turn, surrounded by your loved-ones, living out the dreams you've earned.
And in the quiet of your heart, may you hear God softly say... "My good & faithful servant, I'm so proud of you this day!"

Since 1990, Guy Thomas Abbruscato has been a very important member of the Kovacik Insurance family. Tom has provided our clients with 27 years of dedication and loyalty. He will be greatly missed and we wish him all the best in his future endeavors.

According to the Centers for Disease Control and Prevention, more than 400 Americans die from accidental carbon monoxide poisoning every year. More than 20,000 visit the emergency room, and more than 4,000 others are hospitalized.

CO is a colorless, odorless gas produced by the incomplete burning of any carbon-containing material, including gasoline, natural gas, propane, coal or wood. CO is dangerous because it replaces oxygen in the blood and interferes with the transport of needed oxygen to cells in the body.

Many incidents involving carbon monoxide poisoning can be prevented — with the right preparation. Please take a moment to go to our Facebook page to learn the eight tips to help keep your home and family safe from carbon monoxide. 

The Kovacik Agency supports STOMP Out Bullying™   for bully awareness month . STOMP Out Bullying™ focuses on reducing and preventing bullying, cyberbullying, sexting and other digital abuse, educating against homophobia, racism and hatred, decreasing school absenteeism, and deterring violence in schools, online and in communities across the country. It teaches effective solutions on how to respond to all forms of bullying; as well as educating kids and teens in school and online, providing help for those in need and at risk of suicide, raising awareness, peer mentoring programs in schools, public service announcements by noted celebrities, and social media campaigns. An additional focus educates parents on how to keep their children safe and responsible online.  You can also show your support by clicking on  to make a commitment to STOMP OUT BULLYING.

The Kovacik Agency shows our support the month of October for Breast Cancer Awareness Month, which is an annual campaign to increase awareness of the disease. We encourage you to Join the fight against breast cancer. Your support helps raise awareness and funds that help people reduce their risk of cancer; provide free programs and services for breast cancer patients; and fund groundbreaking breast cancer research. Your participation also helps the American Cancer Society Cancer Action Network, make sure breast cancer remains a priority issue for elected officials.

Do you have working smoke and carbon monoxide (CO) alarms in your home?  If you do have smoke alarms, make sure they are working properly and have fresh batteries.  According to the National Fire Protection Association (NFPA), two-thirds of fire deaths occur in homes without working smoke alarms.  When turning clocks back one hour for Daylight Saving Time this weekend, replace the batteries in smoke alarms.  According to the U.S. Census Bureau’s American Housing Survey for 2011, only three out of four homes reported they changed the batteries in their smoke alarms in the last six months. Batteries need to be replaced in alarms every year. In addition, CPSC recommends that consumers test their alarms every month to make sure they are working.  Smoke alarms should be placed on every level of the home, inside each bedroom, in hallways and kitchen.

It may be hours or it may be mere minutes before disaster strikes. Create and practice an emergency plan so your family will know what to do in the event of a crisis.  Travelers Insurance has prepared a helpful video to assist you and your family in constructing an escape route -


At the Kovacik Insurance Agency, we  support the Greenlight A Vet Campaign™.   America’s veterans are some of our nation’s bravest and hardest-working men and women. However, it’s hard to show them the appreciation they deserve when, back home and out of uniform, they’re more camouflaged than ever.  The Greenlight A Vet Campaign™ asks you to change one light to green in a visible location-on your porch, in your home, or at your office-and keep it glowing every day as a symbol of appreciation and support for our veterans.  You can also show your support by going to and click the button and your online act of support will be displayed on the beacon for all to see during America's largest Veterans Day parade on 11/11 in New York City.

Accidents involving deer can happen any time of the year, but there are more deer near roads during the animal’s mating season in October, November, and December. And deer are often on the move and most active between the hours of 6 p.m. and 9 p.m. Use more caution during these hours.

Use the following tips to help avoid a vehicle-deer collision:

  • Drive at a safe speed.
  • Deer often travel in herds.
  • Honk your horn when you see a deer near the road.
  • Use extreme caution when driving at dawn and dusk.
  • Do not count on deer whistles, repellent devices, or fences to deter deer.
  • Watch for the reflection of deer eyes and deer silhouettes on the shoulder of the road.


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Fall Home Maintenance Tips:

  • Have your furnace cleaned and inspected annually by a qualified technician.
  • Keep flammable materials, including all lawn and power equipment, away from water heaters and wiring in the basement.
  • Insulate water pipes in areas exposed to cold temperatures, and turn up the thermostat during extra cold periods.
  • Check for damage to your roof, and clean gutters and downspouts to keep debris from accumulating.
  • Check and repair caulking around doors and windows that show signs of deterioration.
  • Have your chimney cleaned and maintained annually by a professional.
  • Clean and/or replace your furnace filter.
  • Clean the clothes dryer exhaust duct and space under the dryer. Remove all lint, dust, and pieces of material.
  • Keep a multi-purpose fire extinguisher accessible, filled and ready for operation.

The Kovacik Insurance Agency would like to welcome our new agent, Daniel Dunlap.

Dan is a 2003 graduate of Saltsburg High School. In 2004, he earned his Associate's Degree for Management from Bradford School and graduated Magna Cum Laude from IUP in 2008 with his Bachelor's Degree in Marketing. After graduating from IUP, Dan started his professional career working for GNC world headquarters in Pittsburgh before becoming a Financial Advisor for AIG. For the last 8 years, he worked as the Food & Beverage Manager at Chestnut Ridge Resort in Blairsville.

Dan currently resides in Blairsville with his wife, Natalie and his beautiful daughter, Camille.

We are thrilled and excited to have Dan as part of the Kovacik Agency.

The Kovacik Insurance Agency would like to welcome our new agent, Steven Kozar.

After graduating from Derry Area High School in 1975,  Steve attended Edinboro University.  He majored in Psychology and minored in Criminal Justice.  He later attended Westmoreland Community College to obtain his Associates in Business Administration. 

Since 1992, Steve has been a member of the Derry Area School Board.   He has selflessly volunteered as a Derry firefighter since 1974.   He currently resides in Derry with his wife, Gwen of 39 years.  Steve is the doting father of 3 children and 4 grandchildren.

We are delighted to have Steve join the Kovacik family.