Homeowners insurance
HO-3 and HO-5 policies from Travelers, Auto-Owners, Safeco, Cincinnati, and 12 others. We quote replacement-cost dwelling, never ACV.
An independent insurance agency for Nebraska families and small business.
Twenty-eight carriers. One agent. The right policy for you.
An independent insurance agency in Omaha, quoting home, auto, life, umbrella, and small business across twenty-eight A-rated carriers since 1998.
27 yr
Third generation, since 1998
28
A-rated carriers quoted
18,500+
Nebraska policies in force
96%
Client retention, year over year
Why clients pick us
Three things we do not compromise on.
Independent means actual choice
We are not captive to one carrier. We quote 28 carriers and recommend what fits your home, your driving, and your budget.
A real agent reviews your policy
Every policy is reviewed by a licensed Nebraska agent. Not a chat bot, not an offshore call center, not a website.
We answer the phone after the sale
Claims, billing questions, policy changes. Same phone number, same agent. 96% client retention because of it.
What we do
Service that earns the call back.
Auto insurance
Quoted across 14 personal auto carriers. We focus on liability limits before we focus on price.
Life insurance
Term, whole, and IUL across 11 highly rated life carriers. We will not sell you a product we would not buy.
Umbrella & personal liability
$1M to $10M umbrella for homeowners with assets to protect. Most professional clients should carry one.
Small business / BOP
Business Owner Policies for storefront retail, professional services, contractors, and restaurants under $5M revenue.
Commercial auto & inland marine
Single-vehicle to small-fleet commercial auto. Tools and equipment coverage for trades.
Some of our carriers
Some of our carriers.
TravelersAuto-OwnersSafecoCincinnatiProgressiveNationwideHartfordChubb
What clients say
Reviews we are proud of.
“Showed up exactly when they said they would, did the job for the price they quoted, no surprises. First time that has happened to us with a independent insurance agency business in a long time.”
Greta H.
Omaha, NE resident
“We have used Harrow & Vail three times now and recommended them to half our block. They are honest, communicative, and the work is solid.”
Marc D.
Long-time client
“I called four other places before Harrow & Vail. They were the only one to actually pick up, the only one to come out for free, and the only one to put a real number in writing.”
Jules R.
New client
“Professional, on time, fair, and they cleaned up after. The bar should not be that low, but it is, and they clear it.”
Sam W.
Repeat customer
Ready when you are.
An independent insurance agency in Omaha quoting twenty-eight carriers for home, auto, life, and small business since 1998.