The last insurance shopping you'll ever do. We're a local, veteran-owned independent agency — our experienced team shops top carriers like Progressive and Liberty Mutual for you, so one call covers your car, your home, and your business.
We'll reach out the same business day (Mon–Fri) — usually much sooner — with options from our carriers.
Because we're independent, we work for you — not one insurance company. We compare multiple carriers and hand you the best fit.
Auto, home & landlord, renters, motorcycle, boat, and RV — for your family and life on the coast.
See personal lines →General liability, commercial property, workers' comp, E&O, commercial auto, and cyber — for Onslow County businesses.
See business lines →Contractors, restaurants, and non-profits — the hard-to-find coverage other agencies pass on.
See specialty →30 seconds online, or one quick call. No 20-question interrogation.
Our experienced team compares multiple top carriers on your behalf — price and coverage, not just price.
We explain your options in plain English (o en Español), you pick, we handle the paperwork.
Real reviews from real clients on Google.
The same familiar voices every time you call — based at 200 Valencia Dr #124, Jacksonville.
Veteran and agency principal, helping coastal NC businesses and property owners protect what they've built.
rich@kolstadins.com
Your go-to for auto, home, and everything that protects your family.
ash@kolstadins.com
Keeps service fast and friendly — in English or Spanish, whichever you prefer.
salvador@kolstadins.comSoy Bilingüe 🇪🇸Wind, hail, hurricane deductibles, flood zones — coastal Carolina insurance is different. We write it every day, because we live it every day.
Kolstad Insurance is veteran-owned and proud to serve the Camp Lejeune community. PCSing in or out? We'll make the insurance part painless.
A captive agent or a website sells one company's policy. We represent multiple carriers and work for you — so you get compared options, a local office, and a human when you have a claim.
About 30 seconds of basics — what you want covered and how to reach you. We handle the rest and come back with options, usually the same business day, Mon–Fri.
Every day. We're veteran-owned and located minutes from Camp Lejeune — we know the PCS drill and can move fast on effective dates.
On coastal NC home policies, named-storm damage often carries a separate deductible calculated as a percentage of your dwelling coverage instead of a flat dollar amount — so a "2% deductible" on a $300,000 home is $6,000 out of pocket. We show you exactly what yours is before you buy, not after a storm.
Standard homeowners policies do not cover flood — it's a separate policy, and in many coastal flood zones your lender requires it. We'll help you figure out whether you need it and what it should cost.
It depends on your contracts, your lease, and whether you have employees. General liability is required by most contracts and leases, and workers' comp is mandatory in NC once you have employees. Tell us what you do and we'll tell you what matters — in plain English, no upsell.
Often the same day. If you're bidding a job or signing a lease and need a COI, call or text us at 910-378-1378 and we'll move.
¡Sí! Salvador on our team is bilingual — call, text, or ask for your quote en Español.
One quick form or one quick call. We'll shop the carriers; you keep your afternoon.
