Protecting mountain homes from storms, wind, and the unexpected. Local agency, multiple carriers, personal service.
Trees fall on roofs. Ice dams cause water damage. Creeks flood after heavy rain. We've seen it all—because we live here too.
We insure everything from starter homes in Canton to multi-million dollar vacation properties in Cashiers. If you're running an Airbnb or VRBO, we'll set you up with the right coverage (and usually recommend an umbrella policy—they're surprisingly cheap and can save you from a nightmare lawsuit).
GEICO and Progressive don't know the difference between a house in Fines Creek and one in Franklin. We do. And when something goes wrong, you'll talk to a real person in Waynesville or Sylva—not a call center in another state.
We'll help you understand what's included and what you might need to add.
Covers the structure of your home - walls, roof, foundation, attached structures.
Protects your belongings - furniture, electronics, clothing, and more.
Covers you if someone is injured on your property or you damage others' property.
Pays for temporary housing if your home is uninhabitable after a covered loss.
Covers detached garages, sheds, fences, and other structures on your property.
Covers minor injuries to guests regardless of fault.
Two offices, one mission: protect our neighbors' homes.
Standard home insurance does not cover flood damage. We can help you get a separate flood policy if you're in a flood-prone area. Read our flood insurance guide for more info.
Yes, wind and hail are typically covered under standard home insurance policies.
Second homes and vacation rentals often need different coverage. Check out our vacation rental insurance guide.
Your dwelling coverage should be enough to rebuild your home at today's costs, not the purchase price or market value.
If you're buying your first home, we're happy to walk you through exactly what your lender requires and what's actually worth paying for beyond that. Most homeowners save a good chunk by bundling with their car insurance. Got dogs or cats? Your home policy covers some dog-bite liability but never your own pet's vet bills, which is why folks add pet insurance separately.
Heads up: standard home insurance doesn't cover flooding. If you're near a creek or in a low-lying area, read our guide to flood insurance in WNC—it's more relevant here than most people realize.
Get your free insurance quote in about 10 minutes. No pressure, no obligation—just honest numbers from a local agent.
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One of our team members will reach out within 24 hours to discuss your options.
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One of our team members will reach out within 24 hours to discuss your insurance options.
