Question 1

How long does it take to get a quote?

Accepted Answer

Most quotes take less than 2 minutes to start. Enter your property address and we will pull available options from our carrier partners. For more complex coverage needs — like coastal properties requiring separate flood and wind policies — we may follow up by phone to make sure you get the full picture.

Question 2

What information do I need to get a quote?

Accepted Answer

For home insurance, your property address is enough to start. To finalize a quote, we may ask for your home year built, square footage, roof type, and current coverage details. For auto insurance, have your driver license number, vehicle VIN, and current policy handy. For flood insurance, knowing your flood zone (A, V, X) is helpful but not required — we can look it up.

Question 3

Is the quote really free?

Accepted Answer

Yes, completely free with no obligation. We never charge fees to shop coverage. If you decide to move forward, we help you bind the policy — and that is it. No hidden costs, no pressure.

Question 4

What types of insurance can I quote?

Accepted Answer

We quote home, auto, flood, wind and hail, renters, condo, and business insurance. As an independent agency, we work with multiple carriers so you can compare options side by side. Coverage types available vary by property location and eligibility.

Question 5

Will getting a quote affect my credit score?

Accepted Answer

No. Insurance quotes use a soft credit inquiry, which does not affect your credit score. It is different from a hard pull (like a loan application). You can shop freely without any impact to your credit.

Question 6

I already have insurance. Should I still get a quote?

Accepted Answer

Absolutely — especially at renewal time. Rates shift every year and carriers adjust their appetites. Many clients find meaningful savings just by comparing what is available now versus what they have been paying. We can review your current policy and tell you honestly whether you are well-covered, over-paying, or both.

Question 7

Do you only serve certain areas?

Accepted Answer

We serve all of Eastern North Carolina, including Greenville, New Bern, Washington, Wilmington, Jacksonville, Morehead City, the Outer Banks, and surrounding coastal communities. We are licensed in NC and SC.

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