Business Details
Your Trusted Ohio Insurance Partner
Established in 1879, Sandy and Beaver Insurance has served Ohio residents for over 160 years, offering tailored insurance solutions through a network of 200+ independent agents. Our mission centers on delivering quality protection at fair prices while maintaining profitability and ethical standards. We prioritize customer satisfaction through web-based technology and efficient service delivery, continuously adapting to meet evolving client needs. Our commitment to innovation ensures responsive programs for farm, home, rental, and commercial properties. With a vision to fulfill todays needs and tomorrows dreams, we maintain strong financial health and honor all just claims fairly.Our board of directors and leadership team bring decades of industry expertise to guide strategic growth. We measure success by our clients trust in our ability to exceed expectations for price, service, and expertise. Our specialized packages address diverse risks, from low-value dwellings to churches and public buildings. Headquartered in Lisbon, Ohio, we remain rooted in the community that shaped our legacy. This enduring focus on partnership, integrity, and value defines our approach to insurance solutions.
Services
Farmowners Insurance
Homeowners Insurance
Rental Property Coverage
Mobile Home Policies
Low Value Dwelling Protection
Churches & Public Buildings Insurance
Highlights and features
- We offer 160+ years of proven expertise in Ohio property insurance
- Our network includes 200+ independent agents for personalized service
- We provide specialized coverage for unique properties like low-value dwellings
- Our financial strength ensures reliable claim processing and support
- We maintain industry-leading ethics and transparency in all operations
Associations and certifications
- NAMIC
- OAMIC
- Ohio Department of Insurance
- Ohio Fair Plan
- Ohio Mine Subsidence
- Grinnell Mutual
Services
Farmowners Insurance
We protect agricultural operations of all sizes with comprehensive farmowners insurance. Our policies cover equipment, livestock, and structures against fire, weather, and liability risks. Ohio farmers trust our specialized expertise developed over 160 years in the industry.
Homeowners Insurance
Our homeowners policies safeguard personal residences against common perils including fire, theft, and weather damage. Customizable coverage options ensure protection for both property and personal belongings across Ohio communities.
Rental Property Coverage
We offer tailored protection for rental properties that covers both structural elements and landlord responsibilities. Policies address unique risks including tenant-related damages and income loss from covered events.
Low Value Dwelling Protection
Specialized policies protect lower-value homes including vacant or for-sale properties. Our affordable options maintain essential protection while addressing the unique risk profiles of these dwellings.
Churches & Public Buildings Insurance
We provide commercial property insurance for churches and public buildings covering structural damage, liability claims, and specialized equipment. Policies address the unique needs of these community institutions.
Questions
How do I file an insurance claim?
Contact our claims department directly at 800-421-4693 or submit details through your agent. Provide documentation of damages and complete any required forms promptly.
Can I get coverage for a mobile home?
Yes, we offer specialized policies for modular homes whether owner-occupied or rental properties. Contact an independent agent for personalized quotes.
Do you insure vacant properties?
Yes, our low-value dwelling policies cover vacant homes and properties listed for sale across Ohio.
How can I find a local agent?
Use our online agent locator or call 800-421-4693 to connect with one of our 200+ independent agents serving communities statewide.
What areas do you serve?
We provide insurance coverage throughout Ohio, including rural, suburban, and urban communities across all counties.
Are you financially stable?
Yes, our long-standing financial strength ensures we honor all just claims fairly and maintain competitive pricing for policyholders.
Reviews (4)
Anna Kimbley
Aug 05, 2025
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I have had great experiences with this insurance. We have had it for quite a few years. They are very prompt on resolving claims. Also they are very knowledgeable and courteous when you call them.
Meagan Vogel
Jun 21, 2022
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Well 3 years ago I started with this company an today 06/15/22 I called in to speak to my agent Heather an I could not be any more disappointed in the attitude u just got from her. so they will either switch my agent or I am going to look else where
Kasey Cooper
May 22, 2022
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I recently canceled my homeowners insurance with Sandy & Beaver Insurance Company on 4/1/22, because I found a much cheaper insurance with double my current coverage. On the 19th of April this company requested payment from my mortgage, they took out over $1000 out of my mortgages escrow account and are now giving me the run around about sending a check back to my mortgage company on 4/27/22. My mortgage company has no such record of this check being returned as of today 5/6/22, this company states that its still in the mail.
I have talked to them about this issue of getting my money back and was spoken to in a very unprofessional manner, This company said that it was a bank issue and they don't owe me the money they owe it to my bank. Last time I checked I pay my mortgage not my bank. Very horrible experience would not recommend them to anyone. VERY UNPROFESSIONAL!
I have talked to them about this issue of getting my money back and was spoken to in a very unprofessional manner, This company said that it was a bank issue and they don't owe me the money they owe it to my bank. Last time I checked I pay my mortgage not my bank. Very horrible experience would not recommend them to anyone. VERY UNPROFESSIONAL!
Tammy Strothers
May 15, 2021
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I've used this company for my home insurance for almost 20 years and have no bad experiences. I've had to file a claim in the past and the adjuster was there within 24 hours and settled the claim very fairly. The negative comments on here are from the people i'd expect to leave them, either late on payments or just wanting to point the finger because something didn't go their way.
