- POLICY FORM SP-1A
- NC DOI LICENSE 23446
- EFFECTIVE 16 MAY 2026
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Coverage written
in plain
English.
We’re an independent agency, which means we shop 14 A-rated carriers for you — once — and bring back the policy that actually fits your house, your car, your business, your people. Then we read it aloud, line by line, before you sign.
21 yrs accredited
One application, every quote
One human, never a bot
Build the policy around the life,
not the other way around.
Most agencies sell whichever carrier paid them the highest commission this quarter. We sell the policy that actually pays your claim. Below: the four pillars and the coverages most people forget until they need them.
Home & Property
Dwelling, contents, liability, and the rebuild-cost endorsement most policies quietly omit.
- HO-3 / HO-5 dwelling
- Replacement-cost contents
- Water backup & sewer
- Jewelry, fine art floater
- Identity theft restoration
Auto & Vehicle
Liability, collision, uninsured-motorist, and rideshare endorsements — accurately rated, never over-sold.
- 250 / 500 / 100 liability
- Collision & comprehensive
- Uninsured / underinsured
- Rental + roadside
- Rideshare / delivery riders
Life & Family
20-year level term that replaces income, plus disability coverage for the breadwinner most people never insure.
- Term life · 10 / 20 / 30 yr
- Whole / universal life
- Long-term disability
- Final-expense plans
- Juvenile + grandparent
Business & Pro
BOP, GL, workers’ comp, cyber, and EPLI — written for the real risk profile, not the boilerplate.
- Business owners (BOP)
- General liability + GL+
- Workers’ compensation
- Commercial auto
- Cyber & data breach
Personal umbrella policies sit above everything — add $1M – $5M of liability for as little as $24/month. Ask your advisor on the quote call.
One application.
Fourteen
A-rated carriers.
A captive agent — your “good neighbor,” your “good hands” — can only show you one carrier: the one whose name is on their shirt. We’re independent, which means we collect your information once and shop it across the entire A-rated market in 72 hours.
When rates rise, we re-shop. When carriers exit your market (as five did in Florida and Texas last year), we have thirteen others queued. That is what independence buys you.
We shop. You decide.
A side-by-side comparison of every viable carrier — premium, deductible, limit, exclusion, named-perils footnote. In your inbox, in 72 hours.
Your advisor stays your advisor.
Marcus, Lin, or Caleb will be on the renewal call, the claims call, and the call when you trade the truck. Not a 1-800 routing tree.
Claims advocacy is included.
When you file, we file with you — and we follow the adjuster until the check is in your account. Our ’24 claim-paid rate was 96%.
Annual review, written down.
Every year, a one-page Coverage Letter showing what changed, what’s exposed, and what we recommend before next renewal.
14 of the top 25 P&C carriers in the United States, all rated A or better by AM Best.
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Three steps.
Zero homework.
You send what you have.
A photo of your current declarations page, or a five-question phone call — whichever’s easier. We need addresses, drivers, VINs, and rough coverage limits.
- Upload dec page (PDF / photo)
- Or 5-question phone intake
- No credit pull at this stage
We shop the panel.
Your advisor runs your profile through all 14 carriers, builds a one-page side-by-side, and writes you a plain-English Coverage Letter explaining what each option actually covers — and excludes.
- 14-carrier comparison sheet
- Plain-English Coverage Letter
- 30-min Zoom or in-office walk-through
You pick. We bind.
Sign electronically, we issue the binder same day, hand-off the cancellation paperwork to your old carrier, and put your renewal date on our calendar a year out.
- Same-day binder & ID cards
- Old carrier cancellation handled
- Annual review pre-scheduled
Open Mon–Fri 8a–6p · Sat 9a–1p · By appointment, never a wait.
If we can't
read it aloud,
we don't sell it.
Insurance documents are written by underwriters’ lawyers for underwriters’ lawyers. Before you sign anything from us, your advisor will sit with you — at the kitchen table, in the office, on Zoom — and read the policy aloud. Then we paraphrase it in one paragraph. Then we ask you to repeat it back.
If at any point you go “wait, what?” — we slow down and start that section over. If at any point we go “this carrier is screwing you,” we tell you to walk. Twenty-one years; that’s how we still have 5,184 households on the books.
- No commission-driven recommendations. You see what every carrier pays us, on the comparison sheet.
- No auto-renewal price creep. We re-shop every policy annually, whether you ask or not.
- No 1-800 claims line. You call Marcus, Lin, or Caleb. Cell numbers on the policy.
When the thing
actually happens,
call us first.
Most clients call the carrier first because the carrier’s number is on the card. Don’t. Call us, and we’ll three-way the carrier with you so nothing you say can be used to reduce your payout. Our ’24 claim-paid rate was 96%; the national average is 71%.
If you’re calling from a wreck — pull over, breathe, then dial. We’ve answered at 3:14 AM. We’ll answer now.
Tell us what
you've got.
One form. One advisor. Fourteen carriers shopped. A Coverage Letter on your desk within 72 hours. If we can’t beat your current premium or your current coverage, we’ll tell you to stay where you are.
- No credit pull at this stage. Soft check only when you ask us to bind.
- No data sold. Ever. We are SOC-2 audited; ask for the cert.
- No sales pitch. If we can't beat your premium, we say so.
By submitting you authorize ShieldPoint Insurance to contact you about quotes. No spam, no data sold, unsubscribe any time. Privacy.
4.9 / 5 across 612 reviews.
Here are three.
“Hurricane took our roof in October. Caleb three-wayed Travelers at 7:42 AM, had an adjuster on site by 11, and the rebuild check cleared three weeks later. The check was $14k larger than the adjuster’s first offer because Caleb argued the depreciation calc line by line.”
“I run a 12-person dental practice. ShieldPoint rebuilt our BOP, cyber, and workers’ comp from scratch and saved us $7,200/yr while doubling the cyber-breach limit. Lin walked the office and pointed out three exposures our last broker had ignored for a decade. Worth every penny — and they don’t even charge a fee.”
“Marcus took 40 minutes on the phone explaining what term life actually is, what whole life actually is, and why for our age and budget term was the right call. Zero pressure. Bought $2M of 30-year for $74/mo. He could have sold me whole life at 5× the commission. He didn’t.”
The fine print,
in plain English.
If your question isn’t here, call (704) 555-3478 and ask Lin. There are no stupid insurance questions; there are only stupid policies.
No. There is no fee to get a quote, ever. We are paid a commission by the carrier you choose — and that commission is identical whether you buy through us or directly through them. So you get the rate, plus an advocate. (We show you the commission on the comparison sheet so there are no surprises.)
Not for a quote. Only when you give us the green light to bind, and even then it’s a soft pull. Most personal-lines carriers in NC use an insurance score that doesn’t ding your FICO.
Great — then stay. We do this every week. If we can’t beat your premium and match your coverage, we’ll write that in the Coverage Letter and recommend you stay put. About 12% of our quotes end that way.
A captive agent is paid by, and only sells, one carrier. We have appointments with 14, so we can move you between them as the market shifts. When five carriers pulled out of Florida last year, captive clients were stuck; ours weren’t.
Auto: 2–10 business days for a fender-bender, 4–8 weeks for a total loss. Home water damage: 3–6 weeks. Roof / wind: 4–12 weeks. We push every adjuster on every milestone and report status to you weekly until it’s closed.
Yes — we hold non-resident producer licenses in SC, VA, GA, TN, FL, and TX. Tell us where the address is and we’ll route it accordingly.
Walk in.
Park free.
Stay an hour.
ShieldPoint Insurance
418 Tryon Street, Suite 1200
Charlotte, NC 28202
ShieldPoint Insurance Inc.
418 Tryon Street, Suite 1200
Charlotte, NC 28202