About Us

Why Choose Us?

By being an independent agency, we have the advantage of being able to market your account to many different companies in order to get the best coverage and rate available. We offer the personal touch that larger companies can’t. In the event of a claim, we will be there when you need us the most! You will never speak to an automated machine. Our business plan allows us to treat our clients like family, just how we would want to be treated.


The Coughanowr Insurance Difference

  • We are a member of the Independent Insurance Agents of Indiana and are a Trusted Choice Agency.
  • We have been an Auto-Owners Insurance Company Top 10 Agency in Indiana in 2013, 2015 and 2016 for growth and we were just recognized for 50 years of service with the Auto-Owners Insurance Company.
  • We are the oldest insurance agency in the Wabash Valley and the oldest family-owned business in Clay County.

Our History

1909: Ray L. Coughanowr establishes The Coughanowr Insurance Agency.

1949: Carl L. Coughanowr, Ray’s son, joins the agency. The name is changed to Ray L. Coughanowr & Son.

1955: Ray retires.

1961: Carl’s son John joins the agency. After Carl passes away, the agency is renamed Coughanowr Insurance Agency, Inc.

1971: Gerald W. Harris comes to work for the agency and remains until his retirement in 2013.

1985: John’s son, John C. Coughanowr II, joins the agency as the fourth generation.

2000: John’s son-in-law Kevin J. Ruhe joins the agency.

2013: John Sr. retires, and the agency is now owned and operated by John C. Coughanowr II, Kevin J. Ruhe and Julienne Ruhe.

2015: John Coughanowr II’s son, Alec Coughanowr, joins the agency making it five generations.