Business Details
50+ Years
experience
Your Trusted Insurance Partner in Lancaster, OH
At Frear Insurance Services, we prioritize your peace of mind by delivering tailored insurance solutions designed to meet your unique needs. With over six decades of experience serving clients in Lancaster, Ohio, our independent agency represents multiple insurance carriers to provide diverse coverage options. Our team of licensed advisors focuses on building lasting relationships, ensuring you receive prompt, friendly service and comprehensive protection for your home, vehicle, and business. We specialize in educating clients about potential risks and offering innovative solutions, including replacement cost coverage, liability protection, and flood insurance.As award-winning professionals affiliated with the National Association of Professional Insurance Agents, we leverage industry resources to enhance our service and maintain a commitment to excellence. Our dedication extends beyond policy saleswe advocate for clients during claims and provide 24/7 support to address emergencies. By combining local expertise with nationwide insurance partnerships, we empower clients to navigate risks confidently while maintaining affordability and transparency.
Services
Home Insurance
Auto Insurance
Business Owners Insurance
Flood Insurance
Commercial Property Insurance
General Liability Insurance
Motorcycle Insurance
Condo Insurance
Umbrella Insurance
Details
- Year established: 1965
Highlights and features
- We've provided expert insurance guidance for over 60 years in Lancaster, Ohio
- Our independent agency status offers access to multiple carrier options
- We deliver personalized risk management education with every policy
- 24/7 client support for claims assistance and emergency coverage needs
- Award-winning service recognized by Grange Insurance for client dedication
Associations and certifications
- National Association of Professional Insurance Agents
- Grange Insurance Senior Partner Award
What people say
Great to work with
Very knowledgeable
Quick and easy
Best prices
Treat us like family
Services
Home Insurance
Our home insurance protects against structural damage, personal property loss, and liability claims. We offer replacement cost coverage without caps, flood protection through NFIP, and scheduled coverage for valuables. Policies include loss of use protection for temporary housing needs.
Business Owners Insurance
Tailored coverage for businesses includes liability protection, property damage coverage, and business interruption insurance. We provide commercial umbrellas and specialized policies for unique risks like collector vehicles and wine collections.
Flood Insurance
Flood coverage through the National Flood Insurance Program protects homes and businesses against rising water damage. We help clients assess flood risk and secure policies that cover structural and content losses from weather-related events.
Auto Insurance
Comprehensive auto coverage includes liability, collision, and uninsured motorist protection. We offer specialized policies for classic cars and ensure proper coverage for personal property stolen from vehicles through home policy endorsements.
Umbrella Insurance
Excess liability policies provide additional protection beyond standard auto, home, or boat insurance. This coverage safeguards assets against major lawsuits, including personal injury claims from social media defamation or pool-related accidents.
People
Monica
Insurance Advisor
With decades of experience, Monica specializes in personalized insurance solutions. She focuses on building client relationships and ensuring comprehensive coverage while maintaining competitive pricing for Lancaster residents.
Don
Insurance Advisor
Don combines industry expertise with local knowledge to help clients navigate insurance needs. He prioritizes customer service and has earned client trust through transparent, tailored policy recommendations.
Questions
How does Frear Insurance help find the right coverage?
As an independent agency, we compare policies from multiple carriers to find customized solutions that match your specific protection needs and budget.
What insurance types do you offer?
We provide personal insurance (home, auto, flood), business insurance (BOP, liability, commercial property), and specialized coverage for collector cars, valuables, and umbrella policies.
How do I file a claim?
Contact our 24/7 client center to report claims. Our team guides you through documentation and works directly with insurers to expedite resolution and minimize your stress.
Do you offer online account management?
Yes, our client portal allows policy reviews, payments, ID card retrieval, and coverage adjustments anytime through our secure online platform.
What areas do you serve?
We primarily serve Lancaster and Fairfield County, Ohio, with insurance solutions tailored to local risks and regulatory requirements.
How are you different from other agencies?
With 60+ years local experience and PIA membership, we combine personalized service with nationwide carrier access, prioritizing client education and long-term relationships.
Reviews (7)
Abe Starner
May 29, 2021
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Positive:Professionalism
Don and Monica are always easy to talk to and work with. They always answer the phone when I call even during lunch hours.
Don and Monica are always easy to talk to and work with. They always answer the phone when I call even during lunch hours.
Marjorie Dearth
Sep 14, 2020
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Positive:Professionalism,Quality,Responsiveness,Value
We have been with Frear Insurance for over 35 years, and wouldnt be with anyone else! They have always gone above and beyond to address our concerns, answer our questions, and resolve issues quickly. I would highly recommend them for all of your insurance needs!!
We have been with Frear Insurance for over 35 years, and wouldnt be with anyone else! They have always gone above and beyond to address our concerns, answer our questions, and resolve issues quickly. I would highly recommend them for all of your insurance needs!!
Tina Patterson
Sep 13, 2020
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Positive:Professionalism,Quality,Responsiveness,Value
Moncia and Don are great people. Always helpful and right on top of things. Can always depend on them to give me the best prices and coverage. They treat us like family!
Moncia and Don are great people. Always helpful and right on top of things. Can always depend on them to give me the best prices and coverage. They treat us like family!
Aubrey Wisler
Aug 21, 2020
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Positive:Professionalism,Quality,Responsiveness,Value
Always quick and easy to work with. Great rates, would highly recommend for any insurance needs!
Always quick and easy to work with. Great rates, would highly recommend for any insurance needs!
Gary Smith
Jul 26, 2020
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I have been with Frear Insurance since the 60's. I had been with them for several years when I found a Corvette that I really like so I did buy it. Called Freda Frear and told her what I had done and that I needed insurance. she then informed me that the only coverage Grange was offering was liability. Had no idea that was the policy but now I needed another provider. Years later after the Corvette was gone (regrettably) I went back to Frear for my coverage. Reason being that I had always felt like part of a family, not just a client. I will always recommend Frear Insurance for all of your needs
Elissa Lee
Jul 05, 2020
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Positive:Professionalism,Quality,Responsiveness,Value
Frear insurance is amazing. Monica and Don are great to work with and very knowledgeable. I have been unfortunate to be in a few accidents over the last few years, none of which were my fault and they helped get me where I needed to go. Grange is a great company to have behind you. Thanks Frear!!!
Frear insurance is amazing. Monica and Don are great to work with and very knowledgeable. I have been unfortunate to be in a few accidents over the last few years, none of which were my fault and they helped get me where I needed to go. Grange is a great company to have behind you. Thanks Frear!!!
Wesley Brofford
Dec 08, 2019
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I have done business with Don and Monica for many years. No questions ever go unanswered. They are always prompt. If you're wondering about prices, they have remained competitive the entire time. I live across the state but I still stick with Frear.
