(540) 825-4234
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“The Puffenbarger team has been exceptional to work with in reviewing various POA and HOA policies for our association management organization. Cathy, Michelle, Stephanie, and Greg have each been very responsive and especially courteous and professional. It's been a pleasure working with each of them. Jack's experience and guidance is second to none. He goes above and beyond simply being present for renewals or new business. He takes the time to share insurance tips with myself and my team which are relative to our industry and he proactively offers to come to our office to provide insurance education to association managers.”
![Tara Armstrong]()
Tara Armstrong
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“Every agent I've interacted with at Puffenbarger has responded quickly and went above and beyond to meet my needs. Would definitely recommend for all your insurance needs.”
![Monti Board]()
Monti Board
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“15 minutes of speaking with them saved me more than 15% when shopping around for comprehensive auto quotes. Friendly and always answering their phones! Thanks Tonette!”
![Marius Mello]()
Marius Mello
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“Tonette has helped me for decades. She is always responsive and looks out for my best interest. I highly recommend insuring with this company.”
![Laurie Penland]()
Laurie Penland
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“We've been working with Tonette at Puffenbarger for over 5 years now and she is great!”
![Kevin Schwind]()
Kevin Schwind
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“Diane was amazing! She is such and kind and patient representative. She very knowledgeable and helpful.”
![Kathy Parrish]()
Kathy Parrish
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“Theysaid to me, "You don't have to worry. I will be your personal agent." This has been true since we bought our first home in Virginia. This agency takes care of their clients and ascertains their needs are met with a definite personal touch.”
![Gania Howard]()
Gania Howard
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“Quick responses every time. Professional. Customer service oriented. They “walk the walk”.”
![Don Backhaus]()
Don Backhaus
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“I can't say enough good things about Puffenbarger Insurance Company. They have been nothing short of amazing—always going above and beyond to ensure I have the best coverage and support when I need it most. Their dedication and loyalty to their customers truly set them apart from the rest. Every interaction I've had with their team has been professional, friendly, and incredibly helpful. They don’t just meet the standard; they exceed it in every way possible. Whether it's answering my questions, handling claims efficiently, or just providing peace of mind, they consistently go the extra mile. If you're looking for an insurance company that truly cares about you and puts your needs first, look no further!!! Highly recommend!”
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Dawn Malone
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“Very easy to work with and ended my long search for GL Insurance! I highly recommend them for small companies who are looking to be insured.”A
Amin Karim
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“Stephanie has always been wonderful with handling all of my insurance needs.”W
William Moten
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“Great customer service; staff is knowledgeable, friendly, and helpful. I've been with Nationwide and this office and their predecessor for decades and they've never disappointed!”J
j r
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“Always been there to help me with my insurance needs for home and auto. Ive been with them for i believe 25 years or more . I Highly recommend. Great customer sevice”J
Joe campbell
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“Our insurance agent (Stephanie M.) is the "Best damn insurance agent" ever. She has taken care of all of our needs and made sure we have seamless service.”M
Michael Duff
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“We really appreciated your prompt, attentive, personal attention and service to help us reduce our bundled car and home insurance policy costs now that we're retired and on a fixed income.”R
Randall Gordon
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“I have had a great experience dealing with Matt Seales at the Puffenbarger insurance Co. He was very helpful in providing me with the auto insurance coverage on our cars.”P
Plainerk
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“I requested quotes from multiple insurance vendors. Cathy Powell with Puffenbarger Insurance was the only one who got right down to business and provided what I needed within 24 hours. No muss, no fuss… just “Let’s get to work!””J
Jeff Collins
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“Tonette took the time to answer all of my questions. I have always done self service insurance for home and auto. I like to know all the endorsement options (OEM parts for auto, tree removal allowance, etc.) and how much of a price increase reducing a collision/comprehensive deductible from $500/250/100/50/0 would cost.”J
Jason Lee
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“We have had a great experience working with Kelly Stone. She took the time to listen to our needs and come up with solutions that helped us save money on our car, home, and umbrella insurance. Highly recommend!!”K
Kate Greenacre
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“Kristen Clarkson was so helpful and professional! She went above and beyond to help find a replacement insurance policy when the company I was using went out of business and gave me short notice to find new coverage. We talked almost every day for a week...she was always patient and truly understanding of my predicament! Kristen found the perfect policy to meet my needs and my pocketbook!! I am so glad a friend recommended Puffenbarger Ins. Thank you, Kristen!”B
Becky W
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“Professional, expert advice. Cares about community - $50 rebate from Nationwide unexpected, and gracious. Staff is knowledgeable, no pressure, and easy to work with, They provided me workable options for both my personal and business needs. Very quick at following up, even during this time of pandemic in our country. Felt like they treat large customers and small customers with the same level of professionalism and courtesy.”T
TIMOTHY FRANEY
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“I have been a client with this agency for more then 30yrs. I have always been completely happy with their customer service and assistance with managing my policies. Kelly Stone and Kristan Clarkson have been an absolute pleasure to work with. They have both gone above and beyond to help me. We have recently relocated to South Carolina and will no longer be insured by Puffenbarger insurance. I have to say that I feel like I am leaving my friends. Kristen and Kelly help me so much with my transition. I will have to call them every now and then just to say hi. Thanks again, Marilyn Alvarado”J
julio alvarado
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“I have nothing but the best to say for the two folks I interact with at Puffenbarger. They are fantastic, and I am so grateful for the work they do for my business, and my personal account!”J
Jason Murnock
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“I have been a Nationwide client for 40 years and have always received accurate information, friendly and prompt customer service and wouldn't think of looking anywhere else for my insurance needs. Great company, easy-to-read statement, simple online access. The Puffenbarger/Stone agency has provided excellent service.”B
Brenda Jenkins
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“Scott and Jack have been true professionals when they helped me with my personal insurances. They reviewed my prior coverage and identified some holes as well as some over coverages and provided us with solutions to properly cover our risk. This gives my family and me the peace of mind to know we are properly covered if we ever have the unfortunate need to use it. Further, I proudly provide Scott and Jack referrals when my friends and clients need a second look at their coverage. I am confident that they will take great care of them and deliver the same level of service and respect I would show them myself. Thank you both for your professionalism.”A
Amelia Stansell
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“Tonette was fabulous! She helped us get a quote much lower than other insurance companies. She was professional and very helpful!”F
Flora Duvall
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“Ian is very responsive and knowledgeable. He is a pleasure to do business with and helps ensure our insurance needs are taken care of in the proper fashion.”L
Lisa Mallam
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“I felt that I was treated courteously and quickly by all associates that i interacted with on several separate occasions. I was pleased with the service I received.”D
David Cooper
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“Kristen is the best! Would highly recommend for all your insurance needs”C
Caren Johnson
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“Puffenbarger Insurance is responsive and easy to work with. We have been with them for over seven years and highly recommend them for insurance needs.”L
Lynn B
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“Their service is impeccable. I am a small company and wear many hats and hate to deal with paperwork and they made this so easy for me.”T
Terry Malone
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“I was able to meet Kristen at the Culpeper office yesterday. Switching insurance sometimes seems like a big job when you have autos and the mortgage companies to work with. She made my transition from my old company to their agency easy as can be. I could not be happier than the way I was treated as a person while getting the right policy set up I needed. I am one happy customer.”R
Richard Maddox
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“Tonette was very professional and very personable. It was a pleasure working with her.”B
Bud Trenum
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“Cathy worked really hard to find the right insurance for my needs.”I
Ingrid Hohlfelder
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“Kristen has been my rep for home, auto, life, and umbrella policies for a few years now. Been a great experience working with her!”L
Leah Abrahamson
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“Scott is always a huge help and looks at all options to make the best decision possible.”C
Chip Miller
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“My homeowners insurance premium had gone up, so I was searching for a new company. When I did an online search, Puffenbarger Insurance had the best rate. I had a long conversation with Tonette and she got me all squared away. She was very personable, knowledgable and efficient. I also read about the company and discovered it is a well respected insurance agency.”M
Marilyn Williams
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“Our nonprofit has been clients of Puffenburger Insurance and Financial Services for many years. We are always impressed by their willingness to help us with any questions. They have always been very professional, however at the same time very kind.”P
Peggy Baker
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“Victoria C did a thorough and accurate quick job preparing our homeowners insurance on our new home!”C
Cathie Holdway
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“Kathy Powell was very responsive to my request for quote, and clear in her explanation of my questions. I liked working with them.”V
Vijay Kumar
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“Puffenbarger worked with me to get home and auto insurance that I needed at a good price.i don't think they can be beaten.”D
Dickie Maddox
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“My agent Diane Beecherl is always available with help and perfect advice. Years ago she was recommended to me by a friend….I am so happy I made this choice. Thank you Diane!”C
Charla Hayen
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“Wilton Elmore and his team member Cathy Powell have been extremely professional and very responsive to my needs as a small business owner. Wilton provided insight and guidance that helped me with my business insurance needs. The enrollment and payment process was seamless. They also offer additional insights and educational information afterwards. I highly recommend their services.”I
Ines R
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“Puffenbarger provides all our insurance needs.Professional, competent, friendly and prompt service. Highly recommended.”M
Mike Keenan
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“Kristen Clarckson has been wonderful. She communicates effectively and advocates on our behalf with the claims department.”A
Amy Rahhal
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“My experience with Puffenbarger Insurance and Financial Services is exemplary. Every interaction with them is so professional and quickly addressed. When I don’t understand something they are so patient and informative. They respond immediately to any email requests and are so helpful when I just stop in with a question. I highly recommend this company!”B
Bonnie Chamberlain
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“I had the pleasure of working with Tonnette of Nationwide. She was friendly and knowledgeable and I was completely impressed with her professionalism and knowledge. She was easy to communicate with and explained various plans and guides in selecting a policy that suits my needs best. I highly recommend her to anyone looking for an insurance agency that puts customers first.”I
I M
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“I've been a client for over 20 years. Their service has been outstanding and recommendations quite helpful. Shout out to Victoria Counihan, my agent primary contact!”P
Patrick Zazzaro
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“I had a very pleasant experience working with Victoria to go over my insurance options. She was very friendly and extremely knowledgeable and just a pleasure to deal with and that reflects positively on Puffenbarger Insurance. Thank you.”S
SteveB
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“Diane Beechrel is the kindest and most compassionate member. She has been very helpful to me and explains information. Always available to take a question or concern. Recently helped with some homeowners insurance issues. Thank you Diane!”S
Shelia Sale
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“Puffenbarger made switching my home and automobile insurance very easy. By switching my plan to them, I was able to get a much better rate and excellent customer service. My experience was seamless and I’m appreciative of the team at Puffenbarger for taking such great care of my needs.”M
Michelle DeHaven
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“My family has been with Puffenbarger Insurance and Financial Services since 2022, and I couldn’t be more pleased with the experience. Tonette, in particular, has been incredibly helpful. She’s always quick to respond to any questions we have, whether by email or phone call, and her customer service is top-notch. The entire team is professional and dedicated, making sure that we are well taken care of. We are extremely happy with the service provided and highly recommend Puffenbarger Insurance and Financial Services to anyone looking for reliable and attentive support.”C
christina mcalpine
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“Great personal service whenever needed.”J
John Adams
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“Jazmine was AWESOME and really helped us cut down our insurance costs!”B
Brittany Hodul
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“Great staff who really took the time to listen and understand what we were looking for as well as very competitive rates!”K
kj clinton
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“I usually get new quotes from other agency. I trust Kelly and I always ask her if there is the quote as others.”J
Jhou Jasper
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“I work with Tonette. She is always responsive and helpful regardless of my issue or need.”A
Ann Shoemaker
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“Wilton Elmore and his team member Cathy Powell have been extremely professional and very responsive to my needs as a small business owner. Wilton provided insight and guidance that helped me with my business insurance needs. The enrollment and payment process was seamless. They also offer additional insights and educational information afterwards. I highly recommend their services.”I
Ines R.
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“Tonette (and the rest of your team) is wonderful to work with always there to assist, professional, courteous, and warm. I appreciate her outstanding service”M
Martina Martin
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“I love working with this group. I have my own insurance policies through them and I refer all my mortgage business to them because they do a great job and have low competitive prices.”M
Mark Thatcher
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“Working with Kristen Clarkson has been the easiest most stress-free experience. We are grateful to have someone shop rates and get us an amazing policy!”A
Ava Hall
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“I have been working with Tonette for many years now and she (and the entire team) is always there to help. She is incredibly professional and always ready to listen.”N
Nancy Campbell
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“It is great having a local agent who I can reach out to with questions and concerns. Scott has been extremely helpful and very responsive!”L
Lisa Welch
Contact Stephanie
(540) 825-4234 - Office
Please note: coverage cannot be bound or altered online. A service representative will need to contact you to finalize your request.
About Stephanie
A 15-year licensed Property & Casualty Agent, Stephanie joined our agency in 2005 in our personal lines department before transitioning to commercial lines in 2014. She was born and raised in Culpeper, Virginia, and graduated from Culpeper County High School in 1997. She currently resides there with her husband and 7-year-old daughter. In her spare time, Stephanie enjoys reading and spending time with family. She is also active with Girl Scouts of America and is co-leader of a local Brownie Scout Troop.
Years of experience
20
Office details
General Office Hours
| Day | Time |
|---|---|
| Mon | 9:00 AM – 5:00 PM |
| Tue | 9:00 AM – 5:00 PM |
| Wed | 9:00 AM – 5:00 PM |
| Thr | 9:00 AM – 5:00 PM |
| Fri | 9:00 AM – 3:30 PM |
| Sat | Closed |
| Sun | Closed |
This staff member's office hours may differ from the hours listed above.