Independent since 1987
Insurance that gets re-shopped, not re-billed.
Greene Insurance is an independent agency serving families and small businesses across the Carolinas. Because we represent twelve carriers instead of just one, we shop your coverage for you — at renewal, every year, without being asked.
Takes about four minutes. No payment details, and we do not sell your information — see our privacy policy.
- 39Years in Asheville
- 12Carrier appointments
- 4,100+Households & businesses
- 96%Retention, last 3 years
Why independent
Three things that change once your agent is not owned by an insurer.
We work for you, not a carrier
We are independent. No single insurer owns our contract or our advice, so when your renewal comes back with a 22% increase, we can move you instead of defending it.
Re-shopped every renewal
Most agencies quote you once and let it ride. We re-market every personal-lines policy at renewal against our full panel of 12 carriers — whether or not you call us.
A person who knows your file
You get a named account manager and their direct line. Not a queue, not a chatbot, not whoever picks up.
Coverage
What we write.
If it is not on this list, ask anyway — between our carriers and our wholesale markets we can usually find a home for it.
Personal
- AutoLiability, collision, and comprehensive for the cars in your driveway.
- HomeownersThe structure, what is inside it, and your liability if someone is hurt on it.
- RentersYour belongings and your liability, in a place you do not own.
- Personal UmbrellaLiability coverage that sits on top of your auto and home limits.
- FloodSeparate policy — NFIP or private — for rising water. Not in your homeowners.
- Boat, RV & PowersportsBoats, motorcycles, campers, side-by-sides, and trailers.
Business
- Business Owner's PolicyProperty, general liability, and business income bundled for small operations.
- General LiabilityThird-party bodily injury, property damage, and advertising injury.
- Commercial AutoVehicles titled to the business, plus hired and non-owned exposure.
- Workers' CompensationMedical and wage replacement for employees injured on the job.
- Professional Liability (E&O)Claims that you gave bad advice or failed to deliver a professional service.
- Cyber LiabilityBreach response, ransomware, and the liability that follows a data loss.
- Employment Practices (EPLI)Wrongful termination, discrimination, harassment, and retaliation claims.
- Surety & Fidelity BondsContract, license, and permit bonds — plus employee dishonesty coverage.
Our carriers
We place your policy with 12 insurers.
Being appointed with a carrier means we can quote and bind directly with them. More appointments means more competition for your business at renewal.
- Blue Ridge Mutual
- Cardinal Standard Insurance
- Longleaf Casualty
- Piedmont Underwriters
- Sable Fork Insurance Company
- Meridian Workers Mutual
- Hearthstone Life & Annuity
- Overlook Specialty
- Tanager Benefits Group
- Ironwood Surety
- Sweetwater Flood Services
- Kestrel Recreational
Find out what you are overpaying.
Send us your current declarations page. We will tell you honestly whether we can beat it — and if we cannot, we will say so.
Coverage cannot be bound, altered, cancelled, or modified through this website, by email, or by voicemail. Nothing here is a quote, a binder, a contract, or a guarantee of price. Coverage takes effect only when a licensed agent confirms it in writing.