| Gem-Young Insurance & Financial Services, Inc. is a family owned, Independent Insurance Agency, serving Youngstown, OH area residents since 1947. Being an Independent Agent means we represent several insurance carriers and are free to choose the insurance company that best matches your given situation. We do not work for any particular insurance company, but instead work for you, our valued client. Whether you need homeowners insurance, auto insurance, business insurance, life insurance, health insurance or financial planning, Gem-Young has a plan for everyone. |