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We are an independent insurance agency with one priority-you. We keep you in mind in all that we do, making our dedication to prompt, friendly service and superior customer care our top priority. That means finding you the right insurance for your needs, and because we represent multiple insurance companies, we have access to a variety of coverage options.

Insurance alone only gets you so far. That's why having the right insurance advisor and advocate by your side is essential. Whether you're looking to protect your home, vehicle, or business, we can help you find insurance designed for your needs. By building a relationship with you, we are able to inform you about your unique risks while offering comprehensive insurance solutions to help protect you from the unexpected and plan for the predictable.

Providing a variety of personal insurance and business insurance solutions is what Frear Insurance Services does best. In 2021, our agency was awarded the Grange Insurance Senior Partner Award for our dedication to you.
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About Us
When life can be unpredicatable, you do not want your insurance to be.
At Frear Insurance Services, we make it our mission to help you find comprehensive insurance coverage to protect what matters most to you at a rate that fits your budget.
Whether it is your home, auto, business, and more, we are here for you.
We are an independent insurance agency specializing in home insurance, auto insurance, and other personal insurance solutions.
We also offer a variety of business insurance to help you protect your small business.
Meet Our Team
Not all insurance agents are created equal.
At Frear Insurance Services, we go out of our way to treat our clients like people and we use our industry experience and diversified knowledge base to protect what you value most.
At Frear Insurance Services, our mission is to provide the insurance protection our clients need by offering quality products, excellent service, and guaranteed value.
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We care deeply about providing the best online experience to all visitors.
If you need help using our website or have a question about accessibility, contact us and we will be in touch.
At Frear Insurance Services, our mission is to provide the insurance protection our clients need by offering quality products, excellent service, and guaranteed value.
Lancaster, OH
We specialize in a wide variety of insurance solutions to meet your needs.
Whether you're looking for personal insurance or business insurance, we provide quality service and advice you can count on.
Contact us today to get started.
At Frear Insurance Services, our mission is to provide the insurance protection our clients need by offering quality products, excellent service, and guaranteed value.
Client Center
Life can be unpredictable.
You can count on us to be there for you, ensuring things happen promptly and efficiently, always with the goal of getting your life and business back to normal as quickly as possible.
At Frear Insurance Services, our mission is to provide the insurance protection our clients need by offering quality products, excellent service, and guaranteed value.
Join Our Team
A company is only as good as the people behind it.
We are always interested in meeting talented individuals who want to progress their careers and make a difference in our business.
We believe that successful people make successful businesses, which is why we make every effort to provide our employees with an environment in which they can excel.
Our professionals are integral in defining our business-delivering results to our clients and driving our company to success.
We make it our job to treat them well.
We Are Independent
When you work with our independent insurance agency, you're getting the power of choice.
From simplifying the insurance process to finding you the right coverage, here's what makes us different.
Bringing you the right blend of price, coverage, and service is what we strive to do.
By representing different insurance companies, we can provide a unique variety of policies and price points.
We do the shopping so you can save and get the best possible coverage.
When it comes to choosing your insurance coverage, we want you to make an informed decision.
Insurance Companies
Choosing the right insurance can be complicated.
We partner with the industry's leading insurance companies so you can enjoy the most appropriate, affordable protection.
Even better, we help you make the right choice.
At Frear Insurance Services, our mission is to provide the insurance protection our clients need by offering quality products, excellent service, and guaranteed value.
Personal
Life happens fast, and the truth is there's nothing as valuable as peace of mind.
Our goal is to protect you from the unexpected through top quality insurance coverage that works for your needs, as well as your budget.
At Frear Insurance Services, our mission is to provide the insurance protection our clients need by offering quality products, excellent service, and guaranteed value.
Home Insurance
Your home is one of your biggest assets.
That's why it's important to do everything you can to protect it.
We'll help you plan for the unexpected with insurance coverage that's just right for your home and your family.
Your home is the center of your life.
It's also your biggest investment.
So make sure you cover the unique risks you face with home insurance.
Get the right policy that will take care of both small and large risks related to owning a home.
Imagine if your house caught on fire.
Not only would you lose your home, but you'd also be burdened financially and emotionally.
Auto Insurance
Your vehicle can be a fairly costly investment-one that is exposed to many potential losses that are out of your control.
We'll make sure you have the protection you need at a price you can afford.
A car or truck is often your biggest asset aside from your home.
Auto insurance protects against potentially crippling financial losses and the sheer inconvenience of being without transportation.
Remember, not all car insurance is created equal.
Some auto insurance policies simply meet legal requirements.
Motorcycle Insurance
While you're on the road chasing the sunset, you need insurance that works hard to protect your adventurous spirit.
We'll help you hit the road with smart, customized coverage-no matter what journeys you find yourself on.
As with auto insurance, motorcycle insurance policies are made up of several components, some of which are legally required while others are optional, but a smart buy.
The absolute minimum coverage you'll need when it comes to motorcycle insurance is liability insurance, which covers costs you have to pay to other people after an accident that's your fault-including their medical bills and repairing or replacing their vehicle.
Condo Insurance
The master condo policy typically protects only the shell of your unit, leaving your personal property and the unit interior at risk.
We'll make sure you understand your bylaws and have the protection you need.
Your condo association's insurance policy likely covers certain aspects of your condo, such as common or shared areas.
As a result, it may cover your condo unit, but not any improvements you make or fixtures you add to the condo.
It also won't cover your personal possessions.
Condo insurance is designed to make up for this shortfall.
Flood Insurance
Just because you don't live in a high flood risk area doesn't mean it'll never happen to you.
We'll provide the specialized coverage you need to help protect your home from rising waters-even if you're not in a flood zone.
There are three major myths about flood insurance that mean you could be taking an unnecessary risk.
The first myth is that flood insurance is only needed for people living in designated flood zones.
In reality, flooding is a potential risk everywhere and the damage can be devastating.
Business
In today's ever-changing environment, risk is constant.
Business insurance isn't.
We'll thoroughly assess your business and situation to develop creative, comprehensive, cost-effective solutions that fit your needs.
At Frear Insurance Services, our mission is to provide the insurance protection our clients need by offering quality products, excellent service, and guaranteed value.
Business Owners Insurance
A Business Owners Policy (BOP) combines business property and business liability insurance into one convenient policy.
We'll work with you to design coverage that protects your business from a variety of risks, unique to your industry.
Because your business faces the unexpected on a daily basis, there are always risks involved.
Whether it's the risk of damage or loss to your property or customers, the only way to protect your business is with the right policy.
With the convenience of a BOP, you can minimize the risks and focus on the future of your business.
General Liability Insurance
No matter the size and nature of your business, there are always uncertainties.
We'll work with you to determine your business risks and we'll put together an insurance package that makes sense for your business.
When you look around your business, it's obvious that you need to protect against damage to your buildings, equipment, and staff.
Less obvious-but no less important-is the risk of damage to other people and businesses, which could leave you paying out large sums if you are held liable.
Business Auto Insurance
Whether you have one vehicle or a whole fleet, we can help you implement custom coverage that will protect your business and personal assets from the additional exposure that commercial vehicles bring with them.
A vehicle collision is never good news, but when it's one of your business' cars or trucks, the consequences are more complicated.
Business auto insurance, also called commercial auto insurance, takes all the elements of normal auto coverage and adds on extra protection.
For example, when obtaining commercial car insurance you can usually get much higher liability coverage to reflect the fact that a business typically has more assets at risk than an individual would.
Commercial Property Insurance
Commercial property insurance protects your assets in the event that they are stolen, damaged, or destroyed in a fire or natural disaster.
We'll partner with you to design insurance coverage that will protect your company's property.
Fire, flooding, theft, or accidental damage are unfortunate incidents that could not only damage or destroy your property but could also devastate your business.
Whether it's buildings, commercial vehicles, or equipment, losing these assets would be a potentially critical setback for your business.