Skip to content

Homeowner Insurance

Homeowner Insurance

At Offenhauser, we've been insuring homes since 1882. Today our team of "Robin" <rstearns [at] fwoins [dot] com>, "Linda" <lhenderson [at] fwoins [dot] com> and "Cristy" <crogers [at] fwoins [dot] com>, with more than 50 years of combined experience, have the know-how to get you all the discounts you deserve - from smoke alarms to good credit. Call or e mail them, or fill out the Request a Quote form.

Whether you’re a home or condo owner, a renter, or a landlord, we will work with you to find a home insurance policy that fits your needs. As an independent agent representing a number of great insurance companies, we'll find the best combination of coverage and price for you.


Robin Stearns

Robin Stearns

Personal Lines Account Representative


"Email me" <rstearns [at] fwoins [dot] com>


Get vCard

Linda D. Henderson

Linda D. Henderson, ACSR

Personal Lines Account Representative


"Email me" <lhenderson [at] fwoins [dot] com>


Get vCard

When you place your auto and home insurance together, many insurance companies offer a substantial savings. Ask us how much you can save.

  • Protection for Your Home

    Property or Dwelling Coverage typically pays to repair or rebuild your home if it’s damaged or destroyed by an insured event like a kitchen fire or windstorm.

  • Protection for You and Other People

    Personal Liability Coverage applies if someone is injured or their property is damaged and you are to blame. The coverage generally applies anywhere in the world. When choosing your liability coverage limits, consider things like how much money you make and the assets you own. Your personal liability coverage should be high enough to protect your assets if you are sued.

  • Additional Living Expenses

    If you can’t live in your home because of a covered loss, your home insurance policy will pay additional living expenses (commonly for up to 24 months) while damage is assessed and your home is repaired or rebuilt.

  • Protection for Your Belongings

    Your home is filled with furniture, clothes, electronics and other items that mean a lot to you. Personal Property Insurance helps replace these items if they are lost, stolen or destroyed as a result of a covered loss.

  • Scheduled Personal Property Coverage

    If you have special possessions such as jewelry, art, antiques or collectibles you may want to talk to your agent about this additional coverage. It provides broader coverage for specific items.

Make an inventory of your home and personal belongings

If possible, make a list as well as take photos or video – using two inventory methods can help expedite the claim resolution process. Keep this list somewhere other than your home.

Every home is unique

Talk to us today to find out how to get the best price and value on home insurance for you.