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About Us

In 2015 Kimberly Mastrantonio purchased the former Nancy Smith Insurance Agency from her mom carrying on the family tradition in the agency.  

Kim started working for her mom when the agency was first purchased in 1989, only to go off to college and eventually come back and officially become a part of the staff as a  licensed insurance professional.  Kim holds her Property and Casualty license along with a life insurance license in PA and NY.  She is currently the active producer for commercial and life insurance lines.  

With the growth of the agency over the past few years, the agency now has a full-time dedicated personal lines producer in Jen Newell.  Jen came to the agency in 2022 with a background in property insurance gained from her experience working in the office of Grange Mutual Fire Insurance Company in Troy PA.  Jen now works on personal lines quotes and current policies within the agency.  

Kim and Jen look forward to working with all current customers and the prospect of bringing in new faces to the agency.  2 Rivers Ins is a local independent insurance agency representing the Valley and surrounding areas in New York.  Specializing in personal lines, commercial insurance, and life insurance we hope to have a market that fits your needs.  We are deeply rooted in our community and hope to continue to grow our relationships within it.  

An Independent Advantage

We are Independent Agents in Athens, Pennsylvania, free to choose the best carrier for your insurance needs. We do not work for an insurance company; we work for you. We work on your side when you have a loss and follow through to see that you get fair, prompt payment and service. 2 Rivers Insurance Associates represents a carefully selected group of financially strong, reputable insurance companies. Therefore, we are able to offer you the best coverage at the most competitive price.

What is an Independent Insurance Agent?

When you decide to buy a car, you wouldn’t purchase the first one you see. What if one day the automobile industry decided to make only one type of car, one make and one model. You wouldn’t have a choice!

The same situation holds true for insurance. You need insurance to drive a car, to purchase a house, to protect your family’s financial future and to run a small business. But if there was only one insurance company that offered only one type of insurance, you wouldn’t have a choice. The only solution would be going to that one company.

With an independent insurance agent, you have choices. Independent agents are not tied to any one insurance company. One of the advantages of using an independent agent is that he or she works to satisfy your needs. You are using an expert for an important financial decision.

An independent agent has several companies that he or she can approach to get you the best coverage at the best price. And your independent agent will know the companies with the most efficient claims departments to recover your losses as quickly as possible.

When you buy insurance, you want an advocate who will properly assess the risks you face and give you an objective analysis of the marketplace, because it’s up to you to make the final choice.

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Customer Reviews

5 Stars!

David H

Always very helpful in all our insurance needs.

Jodi S

5 Stars

Linda D

5 Stars!

Amber K

5 stars!

Frederick H
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