Home & Auto Insurance in Charlotte, NC

You reach an intake specialist trained on home and auto. They spend about fifteen minutes taking details on the house, the drivers and vehicles, your current limits, and whether an umbrella policy makes sense. We then quote it across our companies, and a licensed agent walks you through the results and answers coverage questions. You are not waiting on a calendar before anyone starts quoting.

Yes. You can schedule a call online and our intake specialist will call you at the time you pick. It reaches the same person and starts the same process as calling in. Our calendar offers times Monday to Friday, 9:00 AM to 5:00 PM ET, and the callback comes during those hours.

We write home, auto and umbrella coverage in North Carolina through Liberty Mutual, Travelers, National General and Chubb, with Progressive and Geico available as additional markets. Because we are independent, we quote across those companies and place your coverage with whichever one fits the house, the drivers, and the budget.

Nothing. We read your current home and auto policies and tell you what you own and where the gaps are, whether or not you buy anything. If we place coverage for you, we are paid by the insurance company you choose, not by you.

Usually, not always. Bundling typically earns a multi-policy discount and simplifies claims that involve both. But for some households the best home company and the best auto company are different, and splitting wins. We quote it both ways and show you both totals.

Not necessarily. North Carolina has seen broad rate pressure on both home and auto, so an increase often reflects the market rather than anything about you. The useful step is finding out which it is before you move, and that is exactly what the review tells you.

The most useful thing is a copy of your current home and auto policies — your declarations pages, or the full policy if you have it. That lets us review the details that actually determine your premium: your coverages and limits, the discounts already applied, the drivers in your household, and what is in the home. With those in hand we can give you a true, side-by-side comparison rather than a guess. This is not about pushing your price down for its own sake — if your current coverage is right for you, we will tell you it is not worth changing.