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About Our Agency

Frear Insurance Services combines years of experience with cutting-edge insurance.

We are your local independent insurance agency.

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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.

63+ Years

in business


Grange Senior Partner Award

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. Based in Lancaster, OH and serving Fairfield County, OH, we strongly believe in helping our neighbors, communities, and local businesses find the right insurance for their needs.

Because we’re independent, our focus is on you. We keep you in mind in all that we do. We represent many different insurance companies that offer a wide variety of coverage options and price points. Our goal is to deliver the right blend of price, coverage, and service to meet your needs and protect what matters most.

We believe our clients’ financial security and quality of life deserve the utmost dedication, experienced advice, and personal attention from a trusted partner. We put our 60+ years of experience to work for you as your insurance advisor. When it comes to your insurance, we help you make smart decisions—protecting you from the unexpected and planning for the predictable.

Our Mission Statement

At Frear Insurance Services, our mission is to provide the insurance protection our clients need by offering quality products, excellent service, and guaranteed value. We are committed to finding the best insurance solutions for you, your family, and your business.

Why Go Independent?Meet Our Team
About Our Agency - Happy Young Couple Standing in a Garden With the Man Carrying Their Son on His Shoulders and the Woman Carrying a Basket

Get Started Today

As an independent agency, we are here to help you find the right coverage.

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The Advantage of an Independent Agency Working for You

What makes our independent agency different?

  • Personalized insurance solutions.
  • Friendly, knowledgeable service.
  • Building trusted relationships.
Find Out How

Get the power of choice when it comes to finding the right insurance for your situation. We offer a wide variety of policies and price points to choose from.


Rely on us to simplify the insurance process, from advising you on your risks and solutions, to advocating on your behalf to the insurance company.


Count on us to be there for you every step of the way with personable and professional service so you always have the right coverage for your insurance needs.

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As an independent agency, we are here to help you find the right coverage.

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It only takes a minute to get started.

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  • Go over your options with an agent.
  • Get the coverage you need.

Would you rather discuss this in person? Get in touch with an agent today!