We are an authorized agent for:
These carriers compete for YOUR business. You get the best rate.
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We force Travelers, Nationwide, and other top carriers to compete for your business. You get the winner.
NC homeowners save an average of $624/year on home insurance.
We are an authorized agent for:
These carriers compete for YOUR business. You get the best rate.
Don't rely on market value. Calculate the estimated cost to rebuild your home if disaster strikes.
Understanding what's covered in your policy.
Covers the physical structure of your home (walls, roof, foundation).
Protects furniture, electronics, and clothes, even when traveling.
Financial protection if someone gets injured on your property.
Pays for hotels and food if a covered claim forces you to move out.
Hurricanes & Wind
Coastal storms can affect the entire state. Wind deductibles may apply.
Flood Zones
Standard policies do not cover floods. Ask us about NFIP policies.
Winter Storms
Frozen pipes and ice dams are common winter claims in NC.
Money-saving tips and local updates.
These aren't actors. They're your neighbors who let us share their story.
Mount Airy, NC
"State Farm kept raising my rates every year. Bill shopped it and got me better coverage for way less. Plus when I had a claim, he actually answered the phone."
Elkin, NC
"Just bought our first home and the mortgage company needed insurance fast. Bill got us a great policy in one day and handled everything with the lender."
Jonesville, NC
"Had a tree fall on my roof last winter. Bill walked me through the whole claims process and made sure I got fair treatment. That's worth more than the savings."
Want to see if you could be our next success story?
Check My Rate (No Obligation)
"The Big Carriers work for their shareholders.
Bill Layne works for you."