At HTK, we specialize in local property and casualty insurance policies. Our ever increasing clientele is a testament to our excellent professional service and quality products. Our agency represents some of the finest insurance companies in the states of New Jersey, Pennsylvania, and New York. With more than 100 years combined experience in the insurance industry we provide our clientele with the expertise that is needed in this ever-changing world of insurance. Beyond that, we have exceptional customer-service, with friendly people who treat you with professionalism, courtesy, and respect.As an independent insurance agency, we're not aligned with any one company or product. Instead, we represent a carefully selected group of reputable insurance carriers–which means we find you the best coverage at the most competitive price.