Business Details
50+ Years
experience
Emergency
services
Your Trusted Insurance Partner in Lancaster, OH
At Frear Insurance Services, we combine decades of experience with a commitment to personalized service, ensuring our clients receive comprehensive insurance solutions tailored to their unique needs. Founded in 1962, our agency has built a reputation for excellence by prioritizing client relationships and offering coverage from multiple insurers to provide competitive rates and robust protection. Our team of licensed advisors specializes in home, auto, business, and specialty insurance, delivering expert guidance and advocacy throughout the claims process.We pride ourselves on transparency, ethical practices, and a deep understanding of local market dynamics, ensuring clients are equipped to navigate risks with confidence. Recognized with the Grange Insurance Senior Partner Award, we remain dedicated to innovation while upholding the values of integrity and community that have defined our service for over six decades.
Services
Home Insurance
Auto Insurance
Business Insurance
General Liability Insurance
Flood Insurance
Motorcycle Insurance
Commercial Property Insurance
Umbrella Insurance
Condo Insurance
Collector Cars Insurance
Details
- Year established: 1962
Highlights and features
- We offer over 60 years of experience in personalized insurance solutions.
- Our independent agency partners with multiple insurers for competitive rates.
- We provide 24/7 client support and claims assistance.
- Our team holds advanced certifications in risk management and liability coverage.
- Award-winning service recognized by Grange Insurance since 2021.
Associations and certifications
- National Association of Professional Insurance Agents
- Grange Insurance Senior Partner Award
What people say
Great rates
Quick and easy
Knowledgeable agents
Treat us like family
Award-winning service
Services
Home Insurance
Protect your home and belongings with customizable policies addressing fire, water damage, liability, and natural disasters. Our coverage includes replacement cost options, personal property protection, and additional living expenses during repairs. We specialize in risk-specific endorsements for trampolines, wine collections, and secondary homes, ensuring comprehensive safeguards against common and unique threats.
Business Insurance
Mitigate operational risks with tailored business owners policies (BOP) combining property, liability, and income protection. Coverage includes general liability, cyber liability, directors & officers insurance, and commercial umbrella policies. We address industry-specific needs like errors & omissions, workers' compensation, and environmental risks, ensuring continuity during disruptions.
Auto Insurance
Secure protection for personal and commercial vehicles, including collision, comprehensive, and liability coverage. Optional add-ons like rental reimbursement, roadside assistance, and uninsured motorist protection enhance standard policies. We offer specialized coverage for classic cars, motorcycles, and high-value assets, ensuring tailored solutions for diverse driving needs.
General Liability Insurance
Safeguard your business against third-party claims for bodily injury, property damage, and advertising injuries. Policies cover legal fees, medical expenses, and settlement costs, with optional extensions for product liability and professional errors. We tailor limits and endorsements to align with industry-specific exposure levels.
Flood Insurance
Address flood-related risks through the National Flood Insurance Program (NFIP) or private carriers. Coverage includes structural damage, personal property losses, and mitigation costs for properties in high-risk or moderate-risk zones. We provide risk assessments and policy comparisons to ensure compliance with lender requirements and adequate protection.
People
Don Frear
Agent
With decades of experience, Don Frear leads Frear Insurance Services with a focus on client-centric solutions. His expertise in risk management and local market dynamics ensures tailored insurance strategies for individuals and businesses.
Monica Lutz
Agent
Monica Lutz brings extensive knowledge of personal and commercial insurance to Frear Insurance Services. She specializes in policy customization and client education, ensuring comprehensive protection and competitive pricing for all clients.
Questions
What types of insurance does Frear Insurance Services offer?
We provide home, auto, business, motorcycle, flood, and specialty insurance, including umbrella policies and commercial liability coverage.
How can I get a personalized insurance quote?
Contact us via phone or our website to discuss your needs with an agent who will tailor coverage options to your specific risks.
Do you offer 24/7 claims support?
Yes, our 24/7 client center provides round-the-clock assistance for claims filing and policy inquiries.
Are you affiliated with multiple insurance carriers?
As an independent agency, we partner with multiple insurers to offer competitive rates and diverse coverage options.
What areas do you serve?
We primarily serve Lancaster and Fairfield County, Ohio, with policies tailored to local risk factors.
How does your claims process work?
We guide clients through every step, from initial reporting to resolution, ensuring prompt communication and fair settlements.
