Coverage for every situation.

Auto Insurance

We compare auto rates from 15+ carriers to find the right combination of price, coverage, and claims reputation. We don't just look at the premium — we look at the carrier's claim satisfaction scores for your state.

Coverage typically includes

• Liability (bodily injury + property damage)
• Uninsured/underinsured motorist
• Collision and comprehensive
• Rental reimbursement
• Roadside assistance
• Teen driver programs

Homeowners Insurance

Standard HO-3 policies, high-value homes (HO-5), and coastal properties. We review your dwelling limit to make sure it reflects actual rebuild cost — one of the most common gaps in homeowners policies.

Coverage typically includes

• Dwelling coverage (replacement cost)
• Other structures (fences, detached garages)
• Personal property
• Loss of use / additional living expenses
• Personal liability
• Medical payments to others

Business Insurance

From a sole proprietor's general liability policy to a multi-location BOP with commercial auto, we place coverage for Charlotte businesses across industries including restaurants, contractors, and professional services.

Coverage typically includes

• General liability
• Commercial property
• Business owners policy (BOP)
• Workers compensation
• Commercial auto
• Professional liability / E&O

Life & Health

Term life for income replacement, whole life for estate planning, and group health for small employers who want to offer benefits without the complexity of large-group administration.

Coverage typically includes

• Term life (10, 20, 30 year)
• Whole and universal life
• Small group health (2–50 employees)
• Individual health (off-exchange)
• Dental and vision
• Short-term disability