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Homeowner Insurance

Homeowner Insurance

At Offenhauser, we've been insuring homes since 1882. Today our team of "Linda" <lhenderson [at] fwoins [dot] com>, "Robin" <rstearns [at] fwoins [dot] com>, and "Shelly" <sbryant [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 many insurance companies we specialize in making it easy to choose the insurance coverage that gives you the best value for the best price.

Contact these homeowner insurance specialists

Robin Stearns

Robin Stearns

Personal Lines Account Representative

North Texarkana

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


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Linda D. Henderson

Linda D. Henderson, ACSR

Personal Lines Account Representative

North Texarkana

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


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Cristy Rogers

Cristy Rogers, ACSR

Personal Lines Account Representative

North Texarkana

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


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  • Options you select

    Often home owner insurance options are priced individually, so how much you'll pay for your policy depends on what coverages you buy.

  • How much you want to cover

    Higher deductibles usually lower your premium price by shifting part of the loss payment to you. For example, if you had a $500 deductible, you would be responsible for paying the first $500 of the covered loss.

  • Where you set your limits

    You may choose to set higher limits than the recommended amount if appropriate to your situation and needs.

  • 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.