Personal Insurance

Auto | Homeowner | Renters | More

You have a lot of choices when it comes to how and where you buy your North Carolina car insurance. Choosing an independent insurance agent like Freedom Insurance ensures you still have choices, but also have a trusted advisor that you can depend on to help you find the policy that best fits your needs.

Freedom Insurance works with a wide range of insurance companies that offer reliable North Carolina car insurance. Contact us today to find out how we can help you.

Homeowner

Wherever it is that you call home, whether a spralling estate in the country, a quiet suburban house, or a bustling downtown condo, Freedom Insurance can help you find the right North Carolina home insurance policy that fits your needs.

Whether you are buying your first home, relocating to the area, or simply reviewing your home insurance, Freedom Insurance is here for you. We specialize in making it easy to choose insurance policy options that work for you. Contact us today to find out what we can offer you.

Whether you’re shopping for your college student, just starting out yourself, between houses, relocating, or simply downsizing, Freedom Insurance can help you pick the North Carolina renters insurance policy that best fits your needs.

We partner with reputable insurance companies to ensure a wide range of choices to meet your unique needs. Be sure to ask us about discounts for apartments with security systems and customers who insure their cars with the same company as their renters insurance policy.

Boat

Your time out on the water should be relaxing and fun (and safe!). Be sure your watercraft and equipment is properly insured. Freedom Insurance offers customized policies that meet your needs and your budget. Our partnership with multiple insurance companies allows us to find just the right coverage for you.

Whether you've bought your first boat, expanded your fleet to include a couple of JetSkis, or are simply reviewing your options, Freedom Insurance can help with your North Carolina boat insurance needs. Contact us today to find out how we can help you.

If you're shopping for insurance for your first motorcycle, you have a lot of coverage options to consider. Freedom Insurance can help you look at all the choices, and put together a motorcycle insurance policy that works for you and your budget.

If you're looking to insure your newly upgraded ride, or simply reviewing your policy (always a smart idea!), we're happy to help you explore all of your North Carolina motorcycle insurance options.

Let Freedom Insurance review your needs and make a recommendation for a policy that fits your unique needs. Contact us today to learn more.

Condo

While your condo association likely carries an insurance policy that covers their property and the physical structures as well as common areas on the property, as a condo-owner, you want to ensure your property and possessions are adequately covered. From your appliances to your personal possessions to the upgrades you've added to the unit, Freedom Insurance can help you ensure that you're insured.

Freedom Insurance partners with many insurance companies that offer complete North Carolina condo insurance. Contact us today to find out how we can help you.

Whether you hit the road a couple times per year or spend months at a time seeing the countryside from your RV, Freedom Insurance can help find the right RV insurance policy for you.

The insurance companies we work with provide a wide range of coverage options, from vacation liability to 24/7 roadside assistance.

Freedom Insurance has helped many North Carolina RV owners with their insurance needs. Contact us today to find out how we can help you too.

Landlord

As a rental property owner, you're no stranger to the challenges that come with being a landlord. No two rental properties are the same, and the insurance coverage needed for your real estate investments is just as unique. While you don't need to worry about insuring the personal possessions of your tenant, there's a whole host of other coverages to consider, from liability coverage for legal fees to workers compensation for your maintenance or administrative employees.

Freedom Insurance works with insurance companies that offer insurance packages specifically for North Carolina landlords. Contact us today to find out more.

It's an oddity that flooding is the most common natural disaster in the United States, yet it's not covered under a standard home insurance policy. While not every home is at high risk for flooding, it's important to understand how risk is identified and whether flood insurance is something you should consider.

Freedom Insurance insures homes of all kinds. Some homeowners definitely need flood insurance, while others don't live in a high-risk area and can get by without it. Let us evaulate your needs and help you decide if flood insurance is advisable. Contact us today to learn more.

Classic Car

Insurance for classic cars is a bit more involved than the average auto insurance policy, but Freedom Insurance can help you find the right balance between coverage and your budget.

Whether your restoring an antique or just purchased a classic car, you'll want to protect your investement.

Freedom Insurance works with insurance companies that specialize in insuring classic and antique cars. Contact us today to find out more.

Home and auto insurance policies have limits to how much will be covered. If faced with paying claims that are beyond what your insurance policy covers, an umbrella policy kicks in and provides you with additional protection.

Whether you're a homeowner or drive a car, motorcycle, boat, RV or ATV, an umbrella policy should be considered.

Freedom Insurance works with many insurance companies who offer affordable umbrella policies. Contact us today to find out how we can help you.

Earthquake

90% of Americans live in areas considered seismically active, but most homeowner, condo, and renters insurance policies don't cover earthquake damage. The limits of what your policy covers can be confusing, but our professional agents have the expertise to help you decide if you should consider earthquake insurance.

Freedom Insurance works with many insurance companies that offer additional North Carolina earthquake insurance. You may even be able to obtain a policy from the same company who insures your home. Contact us today to find out more.

From ATVs to golf carts to snowmobiles - whatever you drive for some off-road fun, we can help you insure it.

Freedom Insurance works with many insurance companies that offer a range of discounts that you may qualify for.

We take pride in offering professional customer service for all our North Carolina customers. We're committed to offering choices for all insurance needs and budgets. Contact us today to find out more.

Wedding

Getting hitched? Congratulations! Planning a wedding is incredibly exciting (if not somewhat overwhelming). From selecting the right invitations to configuring seating arrangements to booking the honeymoon, it’s no wonder couples tend to get stressed while getting ready for the big day.

Disasters can strike even the most well-planned weddings. How do you protect yourself in case things go wrong? Consider wedding insurance – the greatest wedding gift you can give yourself. Wedding and event insurance isn’t only affordable; it’s also the best way to make sure you’re protected if a vendor no-shows, gifts get stolen or an unexpected health problem forces you to postpone.

If you have been convicted for driving while intoxicated, you may find that it's difficult to get auto insurance or that it's very expensive. Some carriers will refuse to continue policies for people who have a DWI on their record.

Our independent insurance agents offer DWI insurance so that you can continue to drive legally and as affordably as possible. DWI insurance is also sometimes known as OUI or operating under the influence insurance, as well as DUI insurance, which covers driving under the influence or impairment from alcohol, marijuana, or prescription drugs.

Mobile Home

If you are a homeowner or renter with a mobile home, you want the same coverage that other homeowners or renters have for their dwelling and belongings, but living in a mobile home requires slightly different home insurance. We offer mobile home insurance to meet your unique needs, so that you would never be financially devastated by the loss of your home or your valuables.

Because mobile homes are constructed differently than other structures, they are insured with specific mobile home policies. However, mobile home insurance coverage offers the same great protection that other homeowner insurance policies do for your peace of mind.


Whether you're looking for homeowner insurance for your property, coverage for your valuables as a renter, auto insurance, or insurance for your motor toys like ATVs, boats, and golf carts, we're here to find the right personal insurance policies for you.

Your home, your belongings, and your vehicles are your biggest financial assets. Insurance coverage can help reimburse you or replace their loss in the event of unplanned incidents and emergencies. Most people cannot afford this kind of expense without insurance.

A homeowner insurance policy, for example, can protect your dwelling and its contents in the event of a fire, weather-related damage, or theft. Likewise, if you are a renter, a homeowner policy can protect your belongings within your rental property.

Homeowner policies also afford extra coverage for things like slips and falls on your property, smoke damage, vandalism, and hail damage. They can often cover alternative living arrangements for you in the event you cannot live in your home due to it becoming damaged beyond habitability.

Our independent insurance agents have access to hundreds of policies and can custom make a homeowner policy for you that is both affordable and comprehensive. We can add additional policies at a reasonable rate, such as umbrella insurance for extra liability coverage, flood insurance, and earthquake insurance.  We can make sure your irreplaceable valuables, like jewelry and artwork, are covered too.

We provide the same affordable and thorough insurance coverage for your vehicles. Our auto insurance policies always make sure that you meet the minimum liability coverage for your state, so that you are always legal when you are on the road. Beyond liability coverage, we also offer no-fault liability insurance, collision insurance to reimburse you if your car is damaged or totaled, and comprehensive insurance that covers incidents like vandalism, theft, or damage from many natural disasters.

Are you a motor toy aficionado? We offer insurance policies for many types of motor vehicles, including those used off-road, such as ATVs, snowmobiles, motorcycles, jet skis, and even boats. Often you can get an affordable motor toy policy by bundling several policies together.

Other types of personal insurance products we offer include:

  • Pet insurance to protect your four-legged family members
  • Life insurance
  • RV Insurance
  • Home warranties
  • Health insurance
  • Dental and vision insurance

Regardless of what type of personal insurance you're looking for, we will talk to you about your deductible, which is what you pay out prior to your insurance policy kicking in whenever you file a claim. You may not be aware that increasing your deductible can often lower your total insurance premium. Our agents are here to help you find the most economical policies on the market.