Home and renters
Replacement cost, water backup and roof age are checked line by line, so the cheapest quote is not the one that quietly excludes your basement.
Independent insurance agency · Columbus, Ohio
Nine carriers, one phone number, and a person who picks up.
Lanternhill Insurance Group shops your home, car, business and life cover across nine carriers, then explains the differences in plain English before you sign. When something goes wrong at midnight, the claims line rings in our office first.
Most quotes come back within one working day.
The agency at a glance (sample figures)
- Carriers we shop for every quote
- 9
- Median wait for a claims call back
- 23 min
- Households and shops insured
- 4,200
- Policies renewed with us each year
- 94%
Policies matched to how you actually live
We do not start from a price list. We start from your roof, your commute and what a bad month would cost you, and work backwards to the cover that fits.
Auto and motorcycle
Liability limits that survive a serious crash, glass cover that does not carry an excess, and a clear answer on rideshare driving before it matters.
Life and umbrella
Term life sized to your mortgage and your children's years at home, plus an umbrella policy that lifts every liability limit for the price of a few lattes a week.
Claim #2291 · Water damage
- Claim lodged with photos
- Assessor assigned
- Site visit complete
- Repair quote approved
- Payment to your account
Claims advocacy
Photograph the damage, call us, and we open the claim, chase the adjuster and keep you posted by text until the payment lands.
From first call to signed policy in four steps
- 01
Tell us what you own
Ten minutes on the phone or online: addresses, vehicles, drivers, and anything you worry about like a flood-prone creek or a home business.
- 02
We shop nine carriers
Our quoting desk runs the details through every carrier we represent and discards offers with exclusions that do not suit you.
- 03
You compare three options
A one-page summary shows price, deductible and the sentence each carrier uses to refuse claims, so you can choose with open eyes.
- 04
We stay for renewal
Every year we rerun your quotes before the renewal notice arrives, and we call you when switching saves real money.
Lines we write and the carriers behind them
Sort by the saving you can expect when policies are bundled. Figures are sample numbers for this fictional agency.
| Homeowners | 6 | 18 % | 24 hours |
|---|---|---|---|
| Renters | 5 | 12 % | 24 hours |
| Personal auto | 7 | 15 % | 24 hours |
| Small business | 4 | 10 % | Mon–Sat |
| Term life | 8 | 0 % | Mon–Fri |
| Personal umbrella | 3 | 8 % | 24 hours |
Customers after a bad day
“A tree came through the garage roof on a Saturday. Someone from Lanternhill was on the phone with the adjuster before I had finished my coffee.”
“They moved our bakery's policy and found a business-interruption clause my old agent never mentioned. It paid for six weeks of rent after the oven fire.”
“I called to cancel a policy and left with a cheaper one. Nobody tried to talk me out of it, they just ran the numbers.”
Composite quotes from fictional customers.
Straight answers about working with an agent
Does it cost more to use an agency?
No. Carriers pay us a commission built into the premium, so you pay the same price as you would online, with a person attached to the policy.
Can I keep my current carrier?
Of course. If your existing policy is the best fit, we will say so and still handle service requests for it.
How are claims handled out of hours?
Each carrier has its own 24-hour line, and we put those numbers on a wallet card. Our office follows up on the next working morning.
What if a carrier raises my premium sharply?
We rerun the market, show you alternatives side by side and move the policy only if you approve it.
Find out what you are really paying for.
Send us your current policy declarations page and we will annotate it for free, even if you decide to stay where you are.
Request a Lanternhill quote
Share the basics and a licensed agent will call with options. Nothing is sent until you publish the live Harrow & Pine site.