Home Insurance
Complete protection for your home, belongings, and liability — at rates that won't break you.
Alexandria, VA · Since 2005
One agency. Tailored coverage. Total peace of mind.
Whether you take it on the road, water or snow — we make sure your insurance is anything but an adventure. Better coverage. Lower rates. Zero confusion.
8+
Insurance Types
500+
Clients Protected
20+
Years Experience
98%
Client Retention
20+
Years Protecting You, Family and What You Value
Why The Lerner Agency
Your Insurance Should
Your Insurance Should
Work Harder Than You Do.
Most people are either overinsured and overpaying, or underinsured and one disaster away from financial ruin. We fix both — in one conversation.
Lowest Rates Guaranteed
We compare 30+ carriers to find you the cheapest coverage that actually protects you.
Personal Agent, Not a Bot
Karen knows your name, your policy, and picks up when you call. Every. Single. Time.
Claims Advocacy
When disaster strikes, we fight for your payout — not the insurance company's bottom line.
One Call, Everything Covered
Home, auto, boat, RV, business, life — bundle everything under one roof.
Our Carriers
Coverage options through trusted insurance partners
What We Cover
One Agency. Every Policy.
Auto Insurance
Full coverage or liability-only. We find the gap between maximum protection and minimum cost.
Life Insurance
Term or whole life. Make sure your family never has to worry about money if the worst happens.
Boat Insurance
From fishing boats to yachts — hull damage, liability, and personal injury on the water.
Motorcycle Insurance
Ride free knowing you're covered for collision, theft, and roadside emergencies.
RV Insurance
Full-time or weekend warrior — we cover your home on wheels wherever the road takes you.
Classic Auto Insurance
Specialized agreed-value coverage for collector and vintage vehicles.
Renters Insurance
Affordable coverage for personal belongings and liability in rented homes.
Landlord Insurance
Coverage for rental dwellings, structures, and landlord liability risks.
Umbrella Insurance
Additional liability protection beyond your existing home and auto limits.
How It Works
From Confused to Covered
From Confused to Covered
in 4 Simple Steps.
01
Tell Us What You Have
Home, car, boat, business — tell us everything you own or operate. Takes 5 minutes.
02
We Shop 30+ Carriers
We compare rates across dozens of top-rated insurers. You don't lift a finger.
03
Review Your Custom Plan
We present clear options — no jargon, no upsells. Just the best coverage at the best price.
04
You're Protected
Sign digitally, get your documents instantly, and never worry about gaps in coverage again.
The Outcome
Live Your Life. We'll We'll Handle the Risk.
- Save an average of $800/year on bundled policies
- 24/7 claim advocacy and guidance from a real human
- No coverage gaps — we audit your existing policies free
- Switch carriers in under 48 hours with zero lapse
- One point of contact for every policy you own
Don't Wait Until It's Too Late
One Call Could Save You $1,200/Year.
Join 500+ households who put solid personal protection—for themselves, their families, and what they value—ahead of overpaying. Your free quote takes 5 minutes.
Client Stories
Don't Take Our Word. Take Theirs.
"Karen saved us $1,200/year by bundling our home and auto. She found coverage gaps our previous agent never mentioned. Genuinely cares about her clients."
"Switched our business insurance and personal policies to The Lerner Agency. One call handles everything. I don't even think about insurance anymore — that's the point."
"We travel full-time in our RV. Karen found us a policy that covers us coast to coast for less than we were paying for basic coverage. Absolute game changer."
Common Questions
Everything You Need to Know.
Most clients save between $500–$1,500/year. We compare 30+ carriers and find the lowest rate for identical or better coverage. The quote is free — if we can't beat your current rate, you lose nothing.
No. We handle the entire transition. Your new policy starts the same day your old one ends — zero gap, zero hassle. We even handle the cancellation paperwork.
Clients are assigned a dedicated claims adjuster who manages the claim process directly. We act as your advocate — helping guide you through the process and following up with the insurance company to ensure everything moves forward smoothly.
Absolutely. We specialize in specialty vehicles. Whether it's a bass boat, a Class A motorhome, or a Harley — we've got carriers that specifically cover them at competitive rates.
Same day in most cases. After a quick consultation, we can bind coverage immediately. You'll have your proof of insurance within hours.
100% independent. We work for YOU, not any insurance company. That's why we can shop 30+ carriers to find you the best deal.
Get Your Free Quote
Let's Find You Better Coverage.
Fill this out. We'll call you within 24 hours with a custom quote.
Prefer to book time directly? Schedule a call on Calendly.
Thank You!
Karen will reach out within 24 hours with your personalized quote.
Online quoting
Start an online quote
This secure EZLynx form loads below. You can also reach us by phone or the contact form if you prefer a licensed advisor to walk you through it.