Making Insurance

At AFS, we understand the challenges many consumers face when searching for insurance coverage. This is why we've built our team and processes specifically to alleviate the headaches and aggravation.

Get Started Below Or Scroll Down To Learn more

When it comes to shopping for insurance, a large majority of consumers are skeptical and confused. We totally understand.

Time Consuming

Are you wasting way too much time chasing something you truly don't understand?

Too Complicated

Are you overwhelmed with all of the companies, coverages, and insurance lingo?

Too Expensive

Are you needlessly spending way more than you have to on your insurance rates?

This is why we've built our services to specifically address the biggest pain-points consumers experience when searching for insurance.


We know your time is extremely valuable so we'll get to work quickly on your behalf to find the best options.


We know insurance can be confusing and we'll educate you so you truly understand your coverage.


Insurance doesn't have to be expensive. We help find the perfect balance of cost & coverage.

Regardless of whether you are an individual, family, or business owner, AFS has you covered.

Looking for a top rated insurance agency in Virginia or New Jersey? AFS is your one-stop solution for all of your person and commercial insurance needs. Being independent, our carrier access allows us to build custom insurance packages for families and businesses of all sizes, while finding the best combination of cost and coverage.


We'll ensure you're not just saving money, but getting adequate coverage too.


Protecting one of your most valuable assets is serious business. We'll help protect your home.


Protecting your business is protecting your livelihood. At Peak, we've got both covered.


An often overlooked, yet critical component to any family's wellbeing.

google review icon

Phylicia Young, Agency Client since 2004

I couldn't imagine using any other insurance agency....

"We have had 8 months in from receiving coverage and we love it. Ahart Frinzi & Smith is the perfect choice for your business insurance needs. We feel fully protected and can count on being understood through clear communication. We highly recommended them to any developing or growing business. "

Our Consultative Approach Means More Knowledge And Less Aggravation For Our Value Clients And Prospective Clients.

  • We Learn

    By asking questions, and listening to your concerns.

  • We Share

    Our consultative process and recommendations.

  • We Implement

    Once you're comfortable, we'll put our plan into action.

Get Started With AFS

Our team is one click or call away from helping you, your family, or your business with an insurance experience you'll actually enjoy.

Call Email Claims Payments