Homeowner's & Renter's Insurance

Your home is your castle.
It should be protected like one.

Whether your home overlooks the breathtaking Cliffs Communities or the lovely Florida beaches, we are committed to helping you secure the right protection. We will take the time to get to know your needs and shop numerous top rated insurance companies nationwide in order to get you the best insurance protection at the best rates.

Contact us today for a thorough review of your current insurance and to receive competitive quotes. Our policy is to do everything we can to put you in a better position. While we strive to help you to lower your insurance costs, we put protection first.  

Homeowner & Renter Insurance Solutions

For most of us, our home is the largest investment we will ever make. Here at Penny Insurance Agency, we understand that it is vital to protect your home and those who live inside, with comprehensive insurance from a highly-rated, financially secure insurance company.

As a leading Independent Insurance agency, we have the ability to shop multiple carriers, compare rates and coverages, and provide you with the best possible homeowner’s insurance in the Carolinas, Georgia, and Florida. 

Contact us today for a thorough review of your current insurance and to receive competitive quotes. Our policy is to do everything we can to put you in a better position. While we strive to help you to lower your insurance costs, we put protection first.

High Value Homeowners Insurance

Homes valued in excess of $750,000 often have specialty needs that are not covered under standard homeowners insurance. Penny Insurance Agency can find you the right policy to fully cover everything that is unique about your home. Contact us today to get started.

Renters Insurance

Penny Insurance Agency is committed to making sure that our clients are securely protected no matter where they live.

In general, Renters insurance is much like a Homeowner’s policy in that it can help protect you and your assets. Renters insurance can help cover the cost of damages should anything happen to the property you rent. It can provide the money you need to replace your possessions in the event that there is a fire, severe water damage, or other major claim, and it provides Liability protection for personal liability.

Your landlord’s insurance does not cover you or your possessions. It covers the physical structure of the property you rent. So whether you reside in Downtown Hendersonville, the Cliffs Communities, or own a home in Georgia or Florida, we want to help. Call us today or fill out our contact form and let us shop the market to find you the best Renters Insurance at the best price.

Condominium Insurance

Condominium insurance covers what condo associations don’t. You need separate protection for the possessions within your condo or townhome, from your furniture and appliances to upgrades or renovations. Call us today to protect your home.

Umbrella Insurance

Umbrella insurance is a layer of Liability insurance that covers above and beyond your Home and Auto insurance, providing an extra layer of needed protection. After all, liability issues are everywhere and you never know what could cause a lawsuit.

Your first line of defense is the liability limits on your underlying polices such as your Auto policy. In most cases, that should be enough. But what if you are sued for causing a multi-car accident? What if several people are injured? Most likely the liability cost such as medical bills, lost wages and attorney’s fees will exceed the limits on your Auto policy. Having an extra layer of protection is simply, the smart thing to do.

Give us a call today or fill out the contact form and we will help you find the most cost effective North Carolina or South Carolina Umbrella policy available to you.

Vacation and Seasonal Homeowners Insurance

Whether you travel to the mountains of Western North Carolina or the beaches of Charleston, be sure that your second home is protected, whether you’re there or not. We can match your property with the right insurance, and give you peace of mind at home and on vacation.

Vacant Home Insurance

Empty homes can actually pose greater risks than occupied ones through acts of vandalism or intrusion, and not all homeowners policies will keep you covered. Contact Penny Insurance Agency to determine the best way to protect your property when it’s left unattended.

Rental Property Insurance

Rental properties provide a valuable source of income to many of our clients. But in the blink of an eye, a kitchen fire or faulty appliance could cause damage to your property, and your profit. Protect yourself with rental property insurance. Fill out our contact form today to receive a free quote.

Earthquake Insurance

You might think that being 3,000 miles away from California means you don’t need earthquake insurance, but think again. While earthquakes in North Carolina and South Carolina are rare, they still occur, and most homeowners policies won’t cover the damage caused. Keep yourself protected by contacting Penny Insurance Agency today.


Wedding Insurance

Everyone dreams of planning the perfect wedding, but no matter how well you plan it, there are many things that are just out of your control…things that could spoil your special day. Reception venues can go out of business, taking your deposit with it. The bridal shop closes and leaves you without a gown. A hurricane hits the Southeast and causes your wedding to be postponed. Not fun things to think about, but important to consider. A wedding is more than an emotional investment…it’s a financial investment. The cost of a wedding continues to increase, with the average cost now exceeding $27,000. That is why Wedding Insurance is an important decision.

Our Wedding Insurance policies can cover a variety of situations at a very low cost. Things like:

  • Severe Weather – if severe weather such as a hurricane, forces the wedding to be postponed, wedding insurance can provide reimbursement for non-recoverable expenses.
  • Lost Rings – You can get repair or replacement cost in the event the bride’s or groom’s wedding bands are lost or damaged.
  • No Dress – you can get repair or replacement cost if the bride’s wedding dress or the groom’s tuxedo is damaged or lost.

These, as well as other coverages such as Liquor Liability, Transportation Shutdown, Damaged Gifts and Ruined Photos are just some of the important and expensive items covered by Wedding Insurance.

Protect your special day. Fill out the contact form or call us today!

Valuable Items Insurance

Only you can decide what is valuable and only you can protect it. Since homeowner and renter policies place a cap on recoverable dollar amounts for your items, it is important to have a separate policy to ensure coverage for stolen or damaged valuables.

In addition to full reimbursements, Valuable Items insurance can be extended to cover more specific risk potentials, which allows for items to be covered against breakage (an option not available with blanket homeowner policies). Although no deductibles are required for most risk potentials, there is a $1,000 deductible for breakage policies.

Our insurance experts can customize a plan that covers a wide range of items including:

  • Cameras and Peripheral Equipment
  • Fine China and Crystal
  • Firearms
  • Furs
  • Sporting Equipment (golf clubs, skis, etc.)
  • Jewelry and Watches
  • Musical Instruments
  • Personal Computers
  • Silverware
  • Works of Art (paintings, rugs, rare books, sculptures)

There are many unlisted items that are important to you and that can qualify for proper coverage. Contact us today to get more information on our Valuable Items policy and let us help protect what matters to you.

“I wouldn’t make any major purchase without Penny Insurance Agency!”

Erica Allison,
Homeowner and Small Business Owner
Allison Development Group