Allstate Insurance Agent
Steve Lunsford, Saint Clairsville, OH

100 N Sugar St

Saint Clairsville, OH 43950

Call

(740) 695-5007to quote by phone

Call

(740) 695-5007to quote by phone

Call

(740) 695-5007to quote by phone

Call

(740) 695-5007to quote by phone

Select a product to get a quote

Motorcycle insurance

ATV insurance

Location Details

Office Hours

Day of the Week	Hours
Mon	8:30 AM - 5:30 PM
Tue	8:30 AM - 5:30 PM
Wed	8:30 AM - 5:30 PM
Thu	8:30 AM - 5:30 PM
Fri	8:30 AM - 5:00 PM
Sat	Available by appointment
Sun	Closed

After-hours appointments available.

Available 24/7 at

(740) 695-5007

100 N Sugar St
Saint Clairsville, OH 43950
US

Map of 100 N Sugar St in Saint Clairsville

Landmarks

We are located at the corner of Newell Avenue and N Sugar Street.

Areas Served

Jewett, Bridgeport, Morristown, Barnesville, Cadiz

Languages

English

Social

Steve Lunsford: Allstate Insurance

You can view my financial industry experience and background at FINRA’s BrokerCheck

Local Allstate Insurance Agent: Steve Lunsford

For nearly two decades, our family-owned insurance agency has proudly served individuals, families, and businesses throughout St. Clairsville, Belmont County, and the surrounding Ohio Valley communities. As a dedicated Allstate agency since 2007, we have built our reputation on providing personalized insurance solutions, exceptional customer service, and trusted guidance to help protect what matters most.

Although our family experienced a profound loss when my wife, Joyce, passed away in July 2023 after her courageous battle with cancer, our commitment to serving our community remains stronger than ever. The relationships we have built with local families over the years continue to inspire us to provide the same compassionate service and support that has defined our agency from the beginning.

We help customers throughout St. Clairsville, Bellaire, Martins Ferry, Bridgeport, Barnesville, Belmont, Wheeling, and surrounding Ohio and West Virginia communities find insurance coverage that fits their lifestyle, goals, and budget. Whether you're looking for Home, Auto, Renters, and more, we take the time to understand your unique needs and suggest coverage options that make sense for you.

What we enjoy most about our work is helping friends, neighbors, and local families see the bigger picture when it comes to protecting their assets and looking towards the future. We believe insurance is more than just a policy, it's about providing confidence and peace of mind for the road ahead.

Our agency is committed to helping customers assess both their immediate and long-term insurance needs, explore coverage options, and make informed decisions about protecting their homes, vehicles, personal property, and financial future. We are always available to answer questions, review existing coverage, and help you find solutions designed to meet your goals.

If you're looking for a trusted local insurance agent in St. Clairsville, OH, who values relationships, community involvement, and personalized service, we would be honored to earn your business. We look forward to getting to know you and helping you protect the people and things you care about most.

Products we offer:

Car Insurance Agent in Saint Clairsville
Car Insurance Agent in Saint Clairsville
Helps protect you and your vehicle if you’re involved in a car accident. At a minimum, you’ll likely need bodily injury liability and property damage liability to meet state auto insurance coverage requirements and help protect your finances if you cause an accident that injures another driver or damages their property. We also offer uninsured motorist coverage to help with your expenses if you’re hit by a driver without insurance. If you’re looking for coverage to help protect your vehicle, you might want to consider collision coverage and comprehensive coverage, which help pay repair costs if your car is damaged in a covered loss. And, optional coverages, like new car replacement coverage or loan/lease gap coverage help protect your investment in a brand-new car. I can help you choose a combination of coverages that fulfill state requirements and meet your needs. Give me a call to get a car insurance quote today!
get a quote
Home Insurance Agent in Saint Clairsville
Home Insurance Agent in Saint Clairsville
Helps provide protection for your house (dwelling) and your family’s liability as well as the things you own in and around your home such as “other structures” (detached garage, fence, etc.), your personal property (furniture, clothing, etc.) against covered perils such as fire, theft, wind/hail and more. Call me today for a homeowners insurance quote and I’ll help you get the protection your home needs and the savings you deserve with our money-saving discounts.
get a quote
Condo Insurance Agent in Saint Clairsville
Condo Insurance Agent in Saint Clairsville
Helps protect the portion of your condo, co-op or townhome for which you are responsible for (inside structure, permanent fixtures, cabinets, etc.) with dependable coverage. Condo policies are HO-6 compliant, and cover family liability and personal belongings against covered perils such as fire, theft, vandalism and more. Contact me today for a quote!
get a quote
Renters Insurance Agent in Saint Clairsville
Renters Insurance Agent in Saint Clairsville
Helps protect your personal belongings inside or outside your apartment from accidents such as, fire, theft, vandalism, and cover family liability. Give me call today to review what type of coverage makes sense for where you live and what you own.
get a quote
Landlords & Hosts Insurance Agent in Saint Clairsville
Landlords & Hosts Insurance Agent in Saint Clairsville
Helps protect the structure of your rental property, from covered accidents such as fire, wind/hail, vandalism and more. It also offers protection for the liability you might face as an owner. Let’s chat about the right coverage for your additional property!
Motorcycle Insurance Agent in Saint Clairsville
Motorcycle Insurance Agent in Saint Clairsville
Our motorcycle policies include the basic coverage you may need, like liability coverage, which includes passenger liability coverage and uninsured motorist coverage. You can further customize your motorcycle policy with collision coverage and comprehensive coverage to help protect your bike. And, if you have a customized ride, you can help protect your aftermarket gear with optional equipment coverage. Contact me to learn about motorcycle insurance discounts and to get started with a quote for a policy that fits your needs.
get a quote
Business Insurance Agent in Saint Clairsville
Business Insurance Agent in Saint Clairsville
Allstate Business Insurance protects your business in ways other insurance might not. A business owners policy (BOP) usually includes three common types of coverage to help protect you and your small business: property coverage, general liability coverage and business interruption coverage. In addition to these basic coverages, the Allstate Business Owners Policy can be customized with additional protection to help cover more aspects of your business. I can help you tailor a policy to fit your small business’s needs. As a small business owner myself, I understand how important it is to protect what you’ve worked so hard to build. Call me for a free review of your current business policy and to learn more about insurance solutions to help protect you, your business and your employees.
Life Insurance Agent in Saint Clairsville
Life Insurance Agent in Saint Clairsville
Protect the life you want, for those that matter most. A life insurance policy can help provide financial security for your loved ones by covering expenses like the mortgage, college tuition, and other everyday living costs. Call me today to learn about the different types of coverage Allstate offers.
ATV Insurance Agent in Saint Clairsville
ATV Insurance Agent in Saint Clairsville
Help protect yourself and your all-terrain vehicle against the unexpected. We offer bodily injury liability coverage and property damage liability coverage on your ATV insurance policy. If you injure someone else or damage their property while driving your ATV, liability coverage helps pay the other person’s medical or repair bills. If your ATV is damaged in a crash, collision coverage may help. Collision coverage for your ATV helps pay for repairs if you hit another object, such as a fence or a tree. Finally, you may want to consider comprehensive coverage for your ATV in case it’s stolen, vandalized or damaged by hail or fire. Give me a call to get a quote on an ATV insurance policy today!
get a quote
Boat Insurance Agent in Saint Clairsville
Boat Insurance Agent in Saint Clairsville
Helps cover your boat on and off the water. Watercraft liability coverage helps pay for another person’s expenses if you injure them or damage their property with your boat. If you’re injured in a boating accident, watercraft medical payments coverage helps pay for your medical bills. Need to repair damage to your boat after an accident? Property coverage for your boat helps cover a crash with another boat or object (like a pier or buoy). It also helps cover theft, vandalism or fire. Help protect your boat against these covered perils during the on- and off-season. We also offer additional coverage for things like your boat trailer, fishing equipment and even towing or fuel delivery when you’re stranded. Need a boat insurance quote? Give me a call today!

30+

Years of
Experience

30+

Years in the
Community

Your Local Allstate Team

Susan Bumgardner

Office Manager and LSP

Susan Bumgardner has been a valued member of our agency since 2014 and serves as our Licensed Sales Office Manager. With years of insurance experience and a genuine passion for helping people, Susan is dedicated to providing outstanding customer service and helping individuals and families find insurance solutions that fit their unique needs.

A lifelong resident of Belmont County, Susan grew up in Neffs, Ohio, and now calls Warnock, Ohio, home. Her deep roots in the local community help her understand the needs of families throughout St. Clairsville, Neffs, Warnock, Bellaire, Martins Ferry, and the surrounding Ohio Valley area.

As a proud mother of two and grandmother of three, Susan understands the importance of helping protect the people and possessions that matter most. She enjoys building lasting relationships with customers and takes pride in helping them navigate their options for auto insurance, home insurance, life insurance, and other coverage designed to provide peace of mind.

When she’s not assisting customers, Susan enjoys traveling, exploring new places, and expressing her creativity through various craft projects. Her friendly personality, attention to detail, and commitment to serving others make her an important part of our agency team.

Whether you have questions about your current policy, need help reviewing your coverage, or are looking for a personalized insurance quote, Susan is always happy to help. She looks forward to getting to know you and helping you protect what matters most.

Serving customers throughout St. Clairsville, Belmont County, and the Ohio Valley with trusted insurance solutions and personalized service since 2014.

Beth Meeker

Licensed Sales Producer

Beth Meeker joined our agency in 2025 as a Licensed Sales Producer and is dedicated to helping individuals and families find insurance solutions that fit their needs, goals, and budget. With a passion for helping others and a commitment to exceptional customer service, Beth enjoys building relationships and guiding customers through their insurance options with confidence and care.

Originally from Rayland, Ohio, Beth now resides in Tiltonsville, Ohio, and takes pride in serving customers throughout St. Clairsville, Tiltonsville, Rayland, Belmont County, Jefferson County, and the surrounding Ohio Valley communities. Her local roots and understanding of the area allow her to connect with customers and provide personalized solutions for their unique situations.

Beth works closely with customers to help them explore a variety of coverage options, including auto insurance, home insurance, renters insurance, life insurance, and other protection products designed to safeguard what matters most. She believes that every customer deserves personalized attention and clear guidance when making important insurance decisions.

Outside of the office, Beth enjoys expressing her creativity through crafting, traveling to new places, and keeping up with the latest technology and innovations. Her curiosity, attention to detail, and enthusiasm for learning help her stay informed and provide a modern, customer-focused experience.

Beth is excited to be part of our agency team and looks forward to helping customers protect their families, homes, vehicles, and financial future. Whether you're looking for a new insurance policy, reviewing your current coverage, or exploring your options, Beth is ready to help you find solutions that fit your lifestyle and goals.

Proudly serving customers throughout St. Clairsville, Tiltonsville, Rayland, and the Ohio Valley with personalized insurance solutions and trusted local service

Liz Davis

Customer Service

Liz Davis has been a valued member of our agency team since 2018, bringing more than two decades of insurance industry experience to the customers and families we serve. Having worked in the insurance field since 2001, Liz is passionate about helping customers understand their coverage, answer their questions, and helping them have the protection they need for every stage of life.

Originally from Neffs, Ohio, Liz now resides in Dillonvale, Ohio, with her family. As a wife and mother of two, she understands firsthand the importance of protecting what matters most. Her personal experience, combined with her extensive industry knowledge, allow her to connect with customers and provide the attentive, personalized service they deserve.

Liz takes pride in helping customers throughout St. Clairsville, Dillonvale, Neffs, Belmont County, and the surrounding Ohio Valley communities with their insurance needs. Whether assisting with policy changes, answering coverage questions, or helping customers navigate their options, she is committed to making every interaction friendly, informative, and stress-free.

When she's away from the office, Liz enjoys traveling and creating lasting memories with her family, especially on cruises to new destinations. Her warm personality, dedication to customer care, and years of insurance experience make her an invaluable resource for both new and long-term customers.

If you need assistance with your policy or have questions about your insurance coverage, Liz is always happy to help. She looks forward to serving you and helping provide the confidence and peace of mind that comes with having the right protection in place.

Proudly serving customers throughout St. Clairsville, Dillonvale, Belmont County, and the Ohio Valley with trusted insurance service and support since 2018.

Allstate Insurance Agent Reviews

jeannie fankhauser

Jun. 3, 2026

susan bumgardner

Apr. 16, 2026

Steve and his staff are amazing! They are always friendly and go above and beyond for me. They answer all my questions a

Steve and his staff are amazing! They are always friendly and go above and beyond for me. They answer all my questions and make sure I understand my coverages. I know I am in Good Hands with Steve and his staff!

floyd atkinson

Apr. 8, 2026

mark hunter

Mar. 13, 2026

john kutlenios

Feb. 6, 2026

They listen and provide answers.

bernard delloma

Jan. 31, 2026

Everyone was very professional and everything got taken care of very quickly

richard phillips

Jan. 30, 2026

marybeth waleisky

Jan. 28, 2026

Steve and Susan were a great help to me when my dad passed away and I needed to insure the home and car he left to me ,

Steve and Susan were a great help to me when my dad passed away and I needed to insure the home and car he left to me , it was complicated as the home had a SBA mortgage . They were amazing , kind , caring and very helpful!! I highly recommend this agency !!

charles cunningham

Jan. 18, 2026

lori parsons

Jan. 15, 2026

carol webb

Jan. 9, 2026

My experience was very good

denise mattone

Jan. 8, 2026

brian ignace

Jan. 4, 2026

donna shaffer

Dec. 31, 2025

roy e fatula

Dec. 30, 2025

Steve is always available to answer questions and I feel confident that he has my best interest in mind. He also has a w

Steve is always available to answer questions and I feel confident that he has my best interest in mind. He also has a wonderful staff who are knowledgeable and courteous. I'm in good hands with this team.

melissa mokros

Dec. 28, 2025

timothy cline

Dec. 7, 2025

Great insurance company

margaret daugherty

Oct. 8, 2025

randy johnson

Oct. 6, 2025

beth meeker

Aug. 12, 2025

Awesome

Allstate Online Review Policy

Your Local Allstate Team

Susan Bumgardner

Office Manager and LSP

Beth Meeker

Licensed Sales Producer

Liz Davis

Customer Service

Frequently asked questions

What are your agency hours?

Monday: 8:30 AM - 5:30 PM
Tuesday: 8:30 AM - 5:30 PM
Wednesday: 8:30 AM - 5:30 PM
Thursday: 8:30 AM - 5:30 PM
Friday: 8:30 AM - 5:00 PM
Saturday:
Sunday: Closed

Are you open on weekends?

Saturday:
Sunday: Closed

Can I text your agency with questions?

No, we do not have text messaging services.

What languages do you speak?

We have staff members available who speak the following languages: English

Do you have more than one location?

No, this is our only location.

Steve Lunsford is insurance licensed in the state(s) of Ohio and West Virginia. If you do not reside in the state(s) of Ohio or West Virginia, please go to the Find an Agent section on allstate.com to search for another Allstate Agent or Personal Financial Representative.

Based on coverages selected. Subject to terms, conditions, availability & qualifications.

This material is intended for educational purposes only. Auto and homeowners insurance, and other property and casualty insurance products, are available from Allstate Insurance Company, Allstate Indemnity Company, Allstate Property and Casualty Insurance Company, Allstate North American Insurance Co. and Allstate Fire and Casualty Insurance Company (Home Offices: Northbrook, IL); Allstate New Jersey Insurance Company and Allstate New Jersey Property and Casualty Insurance Company (Home Offices: Bridgewater, NJ); and Allstate County Mutual Insurance Company and Allstate Texas Lloyd's (Home Offices: Irving, TX). This life insurance information is provided for general consumer educational purposes and is not intended to provide legal, tax or investment advice. Life insurance also offered and issued by third party companies not affiliated with Allstate. Each company is solely responsible for the financial obligations accruing under the products it issues. Product guarantees are backed by the financial strength and claims-paying ability of the issuing company.

Securities offered by Personal Financial Representatives through Allstate Financial Services, LLC (LSA Securities in LA and PA). Registered Broker-Dealer. Member FINRA, SIPC. Main Office: 151 North 8th Street, Suite 450, Lincoln, NE 68508. (877) 232-2142.

Check the background of this firm on FINRA's BrokerCheck website.

you're in good hands^®