Expert Guidance
Our experienced agents work closely with you to understand your unique needs and offer the best possible coverage.
Independent agency · Northampton, PA
We compare the carriers so you don’t have to.
Independent, family-run and right here in Northampton. Eric and Cooper Balut bring 15+ years in insurance to your health, Medicare, life, home, auto and business coverage, at no cost to you.
- Licensed in Pennsylvania
- Certified with Pennie
- 15+ years in insurance
- Father-and-son, family-run
Free to you, always
Carriers pay us, never you
- Years in insurance
- 15+
- Carrier side and client side, since 2010.
- Cost to you
- $0
- Carriers pay the agency. Our help is free.
- Coverage lines
- 6
- Health to home, one agent for all of it.
Coverage
Insurance for every part of life in the Lehigh Valley
Six lines, one independent agent. Choose one to see what it covers, who needs it, and the questions people ask us most.
MedicareMedicare Advantage, Supplements and Part D, compared for your doctors and prescriptions.See medicare coverage
HealthPennie marketplace plans for individuals and families, and group plans for employers.See health coverage
LifeTerm, whole and universal life, plus annuities, sized to what your family actually needs.See life coverage
Home & AutoHome, auto, umbrella and everything you tow or float, quoted across carriers.See home & auto coverage
BusinessGeneral liability, commercial auto, umbrella and landlord policies for local businesses.See business coverage
IndemnitySupplemental plans that pay a fixed cash benefit to help with out-of-pocket costs.See indemnity coverage
Why an independent agent
A broker on your side of the table
A captive agent works for one insurance company. We work for you, and quote across carriers to find the fit.
| One-company agent | Balut Insurance Solutions | |
|---|---|---|
| Who they can quote | One company’s plans | Plans from multiple carriers, side by side |
| When your rate goes up | Same company, same options | We re-shop it for you |
| Who they work for | The insurance company | You, the client |
| What it costs you | No fee | No fee — carriers pay us |
| Who answers the phone | Often a call center | Eric or Cooper, in Northampton |
Tailored Solutions
We provide personalized insurance solutions that cater to your specific situation, ensuring you only pay for the coverage you need.
Affordable Rates
We’re committed to helping you find the best coverage at the most competitive rates available.
Our family, your neighbors
A father-and-son agency in Northampton
Eric Balut has worked in insurance since 2010, first for the carriers and then for clients. Today he runs this independent agency with his son, Cooper, from Northampton.
Meet the familyInsurance is confusing, and most people only shop for it when something has changed: a birthday, a new job, a new house, a new baby. We want those moments to come with a person you can call, who already knows your situation and gives you a straight answer.
Client words
What clients say
From Medicare and ACA clients we’ve helped choose a plan.
Medicare felt completely overwhelming until I sat down with Eric. He explained every option clearly and patiently and helped me pick the right plan. I recommend him to everyone.
I was confused by all the ACA options. He explained the plans, checked my subsidy eligibility, and walked me through enrollment step by step. I ended up with a plan that fits my budget and my needs.
On Google
Read the reviews on Google
Reviews from Lehigh Valley clients, published by Google rather than chosen by us.
Service area
Local to the Lehigh Valley. Licensed across Pennsylvania.
Meet us in Northampton, or handle everything by phone, text or video from anywhere in the state.
Around our Northampton office
- Northampton
- Allentown
- Bethlehem
- Easton
- Catasauqua
- Whitehall
- Nazareth
- Bath
- Coplay
- Walnutport
- Emmaus
- Hellertown
Northampton County · Lehigh County
Outside the Lehigh Valley? We work with clients across Pennsylvania by phone, text and video.
Free quote
Get a free quote in Northampton, PA
Tell us what you need covered and we’ll compare your options. No fee, no obligation.
Rather talk now?
October 1Start shopping for plans
Next year's plans are largely published by October 1. Starting then leaves time to check your doctors and prescriptions are still covered.
October 1 is a suggestion from us, not a deadline. The deadlines that matter are set by Medicare and by Pennie: Medicare Open Enrollment runs October 15 to December 7, 2026, and Pennie's runs November 1, 2026 to January 15, 2027.
“Medicare felt completely overwhelming until I sat down with Eric. He explained every option clearly and patiently and helped me pick the right plan. I recommend him to everyone.”
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