About Penny Insurance

Time is on our side. We’re on yours.

Penny Insurance Agency is an independent insurance agency serving Western North Carolina and Upstate South Carolina – specifically Tryon, Hendersonville, Asheville, Landrum, Campobello and Spartanburg. We are now licensed insurance brokers in Georgia and Florida as well. With a mission to provide the very best insurance protection at the most affordable price, that’s exactly what we did when we started, way back in 1931. Now, nearly a century later, we are still a leading independent insurance agency for families and businesses.

Although we continue to grow with our clients, and the times, we are still the same independent insurance agency that started almost a century ago. We are committed to hard work, personalized service and the same values that have made us a mainstay in Western North Carolina for nearly 90 years.

Why Choose an Independent Insurance Agent?

When it comes time to select your insurance agent, choosing the right one can make all the difference. Insurance agencies vary dramatically in price, service, and value.

Many agencies are affiliated with larger national brands and, therefore, sell one brand of insurance. As an independent insurance agency, Penny Insurance gives you choices.

Because we are not aligned with any one company, we have the flexibility to change as your insurance and service needs change. You don’t have to shop around for a new agency, we evolve as you do.

As a one-stop shop for your insurance needs, we offer auto, home, equine, specialty and business insurance coverage. We work tirelessly on your behalf to consult on the very best combination of price, coverage, and service available at your disposal, and we periodically review your coverage to ensure we adapt to your changing needs.

How Does It Work?

We are licensed insurance professionals, many of whom have been in the insurance business for more than 25 years. We treat clients as individuals, not numbers, so we take the time to:


Understanding your insurance and service needs is the first step to deliver the very best insurance coverage for you and your family. We listen to understand your short- and long-term goals and then offer consultation on what options are available to ensure you and your valuable assets are properly protected.


After understanding your specific situation, we take the time to research all options available to meet your needs so that the coverage we recommend is exactly the coverage you need. We compare insurance carriers—and their products and services—to find the right product and the right coverage at the right price.


Customer service is at the heart of our company’s values. We work diligently on your behalf to meet your needstoday and in the future. Our goal is to exceed your expectations and create a life-long client and friend.

Why Penny?

As an independent insurance agency, we represent multiple top-rated insurance companies including Travelers Insurance, Auto-Owners Insurance, State Auto Insurance, Hartford Insurance, Liberty Mutual Insurance, Encompass Insurance, Foremost Insurance, Employers Insurance, Progressive Insurance and Southern Mutual Church Insurance Company. By representing a vast number of well-respected insurance companies, we can search on our client’s behalf to find the very best insurance protection at the best price. We truly work for you.

We pride ourselves in being able to offer a complete line of insurance coverage from homeowners’ insurance to business insurance, farm insurance to equine insurance, auto insurance to business vehicle insurance. Each insurance plan custom tailored to work with how much or little you need.

As a family-operated insurance agency, we understand that sometimes, life just happens. That’s why we are here right when you need us. Our team of licensed, specialized insurance agents will work for you and with you, with insurance plans and service you can trust.

We are privileged to call Western North Carolina home and have been a mainstay in this community for nearly a century. As local insurance provider, we pride ourselves on delivering business face-to-face, shaking your hand, and working tirelessly on your behalf.

Our team is ready to answer any questions. Call us today.

 Client Testimonials

Penny Insurance has insured Hendersonville for three generations – that matters!

Joan Schnyder


We’ve been with Penny Insurance for over 35 years for our home and business insurance needs. Wouldn’t leave home without them!

Steve Johnson

I trust Penny Insurance to protect what matters most to me.

Caroline Gunther

Owner, Wag, A Unique Pet Boutique!