Better coverage. Better rates. Your choice.
We shop 15+ top carriers across every county in North Carolina — so you get real options, real savings, and a local team that actually picks up the phone.
What do you need to protect?
As an independent agency we work for you — not the carrier. Pick a line to start a tailored quote.
Auto Insurance
Cars, trucks & SUVs →Home Insurance
Homeowners coverage →Flood Insurance
Flood damage protection →Life Insurance
Term & whole life →Motorcycle Insurance
Bikes, trikes & scooters →Umbrella Insurance
Extra liability protection →Recreational Insurance
Boats, RVs, ATVs & campers →Renters Insurance
Coverage for your belongings →Landlord Insurance
Rental property coverage →Event Insurance
Weddings & special events →Other Insurance
Something else? Tell us. →Business & Commercial
Small business, restaurants, contractors, workers comp, bonds & moreThree steps to better coverage.
No long applications. No hidden fees. Just clear options from a team that works for you.
Tell us what you need
Answer our 60-second form — your name, address, ZIP, phone, and the coverage you want.
We shop every carrier
Our licensed NC agents compare Progressive, Travelers, Nationwide, SafeCo, Liberty Mutual, and 10+ more.
You choose. We handle it.
Pick the coverage that fits your budget. We bind the policy and stay your local contact for life.
15+ A-rated carriers, one local agency.
What North Carolina is saying.
“Tabatha was awesome. She went over everything to make sure I understood it. Very friendly and great customer service.”
Auto Insurance · Garner, NC
“Helped me find policies for my home, truck, car and boat. Very responsive to questions and found great coverage for me.”
Multi-Policy · Raleigh, NC
“Amazing customer service. I spoke with Cathrine, she answered all my questions. Definitely recommend!”
Home Insurance · Wake County, NC
We work for you. Not the carrier.
Independent means zero incentive to push any one company. Our only job is finding you the best deal across all of NC.
Local, not a call center
Real people in Garner, NC who know the local market, answer the phone, and are there when you have a claim.
Your info stays private
We never sell or share your information with third parties. One agency contacts you — our team, no one else.
5-minute response
Submit a quote request and get a call or text from a licensed agent within 5 minutes during business hours.
20 years of expertise
Our licensed agents find coverage gaps others miss and save you money on premiums — year after year.
Frequently asked questions
Quick answers from our team in Garner, NC.
What insurance carriers does You Insurance Agency work with?
We shop rates from 15+ carriers including Progressive, Travelers, Nationwide, SafeCo, Liberty Mutual, Allstate, NCJUA, Foremost, and more. Because we are independent, we are not locked into one carrier and can find you the best rate across all available options in North Carolina.
How quickly will I hear back after requesting a quote?
We aim to respond within 5 minutes during business hours (Monday through Friday, 8:30 AM to 5:30 PM). A licensed NC insurance agent will call or text you directly to discuss your coverage options.
Does You Insurance Agency serve all of North Carolina?
Yes. While our office is in Garner, NC, we are licensed to write policies across every county in North Carolina — from the Triangle and Charlotte to Fayetteville, Wilmington, Asheville, and everywhere in between.
What types of insurance can I get through You Insurance Agency?
We offer auto, home, life, umbrella, events, landlord, flood, and commercial insurance. If you need coverage in North Carolina, we can help.
What is the difference between an independent and captive agency?
A captive agency can only sell policies from their own company. An independent agency like ours works with 15+ carriers, so we compare rates and coverage across multiple companies to find you the best deal. We work for you, not the carrier.
Talk to a local agent — not a bot.
Questions about your policy or want to explore your options? Our licensed NC agents are standing by.