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Welcome to Your Insurance Family

We are located in Saint Albans, Vermont, in the heart of beautiful Franklin County.

Learn About the 123 Family

Saving Money is as easy as 123!

We are located in Saint Albans, Vermont, in the heart of beautiful Franklin County. We will customize an insurance package to guarantee you have the best price and coverage. We work hard for YOU to save YOU money and give YOU better coverage……’s as easy as 123! We offer a full range of products from auto, home, farm, to business insurance. We are proud and very fortunate to represent some of the best insurance companies doing business in Vermont, including several Vermont-base companies. We believe in supporting locally owned businesses.

Insurance Products

Various versions have evolved over the years, sometimes by accident sometimes on purpose sometimes loremon purpose.

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Find An Agent

Our team has a over 75 years of combined experience!

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Our Fans Love Us

Pam has been my Home, Auto and Business Insurance Agent since 2005. She also insures the Homes and Auto’s of our adult children. I highly recommend Pam Parah. She will make sure you have the right coverage at the best possible price. The service is amazing, she has been there for us any time we needed her.

Jack B, Milton, Vermont

Doing business with Pam Parah-Tobin is not only as easy as 123 but rewarding as well.  With Pam at 123 Insurance you can trust you have the right coverage you need for the best price you can get.  And the customer service and knowledge you get with Pam is unmatched.  My family has had a few complicated situations and Pam was proactive and got our insurance needs taken care of immediately.  You cannot get any better than Pam and her Team at 123 Insurance.

Marlene Charron – St Albans

It is very refreshing to have someone in our community that I know I can trust to look out for my best interests when it comes to Insurance.  I have many policies (home, business liability, auto, workers comp, etc.) and I never look any further then the folks at 123 insurance.  Pam and her crew have always treated me right and I recommend them to everyone I know for their insurance needs with confidence that they will get the same great service and coverage that I have, and at a great price. . . . .

Tyler Thibault – Fairfax

I save thousands of dollars a year by using Pam.  Prior to buying my insurance from Pam, I used to shop every 2-3 years and would always get lower prices.  Pam is set up to shop insurance companies for you, hence, you get the lowest available price year after year without having to allocate time to shopping.  Also, her service is impeccable.

Tim Hurlbut, Esq.

I have been a customer of Pam Parah-Tobin for many years for both auto and home.  The service and knowledge that I receive is second to none!  In addition to saving dollars on the cost of my policies, Pam is always available to assist me!  I would never considering leaving her!

Darlene Cooper

I have known Pam for many years she has always exhibited a high degree of professionalism and integrity in the Insurance Business. Pam strives to get you great insurance coverage and at the same time she is saving you money…


We saved $2000 a year combining home and auto!  And Pam is so easy to work with, it was a breeze.

D. Passini – Swanton

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