Business Details
46 Years
experience
Trusted Insurance Solutions in Charlotte, NC
Craig & Preston Insurance Agency has been dedicated to providing comprehensive insurance solutions since 1980. Our independent agency model allows us to work with over a dozen reputable insurance carriers, ensuring clients receive competitive rates and tailored coverage. With decades of combined experience, our team prioritizes personalized service, focusing on risk management strategies that adapt to evolving client needs. We specialize in auto, home, commercial, life, and health insurance, serving residential and business clients across North and South Carolina. Our commitment to transparency and client advocacy sets us apart, as we operate solely in the best interests of our policyholders, not insurance companies. Through technological advancements and industry expertise, we deliver efficient service while maintaining the personal touch that has defined our agency for generations.Our history of independence enables us to offer diverse products that address unique risks, from classic car coverage to specialized commercial policies. We emphasize education, helping clients understand policy details and coverage limitations to prevent gaps in protection. Our local market knowledge ensures solutions align with regional needs, while our nationwide carrier network provides access to innovative insurance products. This combination of personalized attention and broad resources has made us a trusted partner for families and businesses throughout the Carolinas.
Services
Homeowners Insurance
Auto Insurance
Commercial Insurance
Renters Insurance
Workers Compensation
Life Insurance
Motorcycle Insurance
RV Insurance
Classic Car Coverage
Health Insurance
Details
- Year established: 1980
Highlights and features
- We offer 45+ years of independent insurance expertise across multiple carriers
- Our personalized service focuses on client needs rather than insurance company interests
- We provide competitive pricing through relationships with over a dozen reputable carriers
- Our team specializes in complex risk management solutions for unique insurance needs
- We maintain deep local market knowledge across North and South Carolina communities
What people say
Pleasure to deal with
Gone above and beyond
Quality insurance coverage
Competitive pricing
Personalized service
Services
Homeowners Insurance
Our homeowners insurance protects your residence, personal belongings, and liability risks. We offer standard policies plus specialized coverage for high-value items, flood protection, and unique property types. Our agents help clients understand policy limitations and ensure adequate protection against common risks like fire, theft, and natural disasters. We work with multiple carriers to find competitive rates while maintaining comprehensive coverage tailored to individual needs.
Commercial Insurance
We provide customized commercial insurance packages for businesses of all sizes. Our offerings include general liability, property coverage, workers compensation, and specialized policies for specific industries. Our risk management approach identifies unique business exposures and creates comprehensive protection plans. We work with multiple carriers to balance competitive pricing with robust coverage options that protect both physical assets and financial stability.
Auto Insurance
Our auto insurance solutions cover standard vehicles, classic cars, motorcycles, and specialty vehicles. We offer liability, collision, and comprehensive coverage with options for rental reimbursement and roadside assistance. As an independent agency, we compare rates across carriers to find optimal pricing while ensuring adequate protection. Our agents specialize in matching drivers with policies that address specific needs, from young drivers to experienced motorists.
Life Insurance
We offer term, whole, and universal life insurance policies to protect families and businesses. Our solutions provide income replacement, mortgage protection, and estate planning benefits. We help clients understand policy features like cash value accumulation and premium flexibility. Our agency works with multiple providers to offer competitive rates while ensuring policy terms align with long-term financial goals and family needs.
Renters Insurance
Our renters insurance covers personal belongings, liability risks, and additional living expenses for tenants. We educate clients about landlord policy limitations and ensure proper coverage for electronics, furniture, and valuables. Policies include protection against common perils like fire and theft, with options for high-value item coverage. Our agents help renters understand policy details and select appropriate limits based on their specific needs.
Questions
What does renters insurance cover?
Renters insurance covers personal belongings, liability protection, and additional living expenses if your rental becomes uninhabitable. It protects against risks like fire, theft, and certain natural disasters.
How can I lower my insurance premiums?
Combine policies for multi-policy discounts, increase deductibles, utilize available discounts (good student, safe driver), and maintain continuous coverage without gaps to reduce insurance costs.
Do I need commercial insurance for my small business?
Yes, commercial insurance protects against business-specific risks including liability claims, property damage, and operational disruptions that personal policies don't cover.
What factors affect home insurance rates?
Home age, construction type, location, credit score, claims history, and policy limits impact home insurance pricing. Safety features like security systems can qualify for discounts.
What is personal umbrella coverage?
Umbrella insurance provides additional liability protection beyond auto and homeowners policy limits, typically starting at $1 million coverage for a relatively low premium.
Can I get insurance for classic or specialty vehicles?
Yes, we offer specialized coverage for classic cars, motorcycles, RVs, and other specialty vehicles with agreed value protection and usage-specific policy terms.
