Crossroads is an independent agency in Charlotte. We compare home, auto, business, and life coverage from several carriers, explain it in plain English, and answer the phone when you call.
Mon–Fri 9 a.m.–5:30 p.m. · Sat 10 a.m.–1 p.m.
Home · Auto · Small Business · Life
AN INDEPENDENT AGENCY — NOT A CALL CENTER
Start with a conversation — we handle the paperwork.
Call or stop by. We ask about your home, cars, or business — and what keeps you up at night about them.
Within two business days you get quotes from several carriers side by side, with the differences marked and our recommendation.
Switch, adjust, or stay put — your call. If you switch, we handle the paperwork and the cancellation of the old policy.
A captive agent can only sell you one company's policy. Crossroads shops several carriers for the same coverage, shows you the differences side by side, and tells you honestly when the policy you already have is the right one to keep.
Most reviews take one short visit or one call. You leave with a written summary of what you have, what we found, and what we'd change — whether you switch or not.
| What you get | With Crossroads |
|---|---|
| Carriers compared | Several, side by side |
| Your quotes | In writing, differences marked |
| At renewal time | Re-shopped when rates jump |
| If your current policy is right | We tell you to keep it |
| When you file a claim | A local agent beside you |
| How it's explained | Plain English, always |
Coverage descriptions are general information only — actual terms come from the policy. Crossroads Insurance is a fictional insurance agency; details on this page are illustrative.
There are plenty of reasons. Here are six.
Personalize your policy with coverages that reflect your way of life.
If you switch, we handle the paperwork and the cancellation of the old policy.
WHAT WE SHOP FOR YOU
Insurance is easy to buy and hard to understand. These are the three rules on the wall of our office — the same ones we quote by.
HOW WE WORK, IN WRITING
We walk through what a policy does not cover before you buy it.
Every policy gets a fresh look each year, re-shopped when the increase doesn't make sense.
You call us first. We open the claim with you and track it.
A local agent answers — no phone tree, no hold music marathons.
Policies explained in plain English — what it covers, what it leaves out.
Several carriers compared, in writing — the differences marked for you.
The people behind the phone
Founder · Home & Auto
Eighteen years in Charlotte insurance, the last ten independent. Marcus reviews every new home policy himself — uptown condos to Lake Norman lake houses.
Agent · Small Business
Works with the area's shops, cafés, and contractors. Priya's yearly coverage reviews are why most of her clients have never had a claim surprise.
Agent · Life & Claims
Handles life insurance planning and stands beside clients through claims — the person who calls you back the same day, every time.
No pressure and no obligation — a quote is a conversation, not a commitment. Tell us what you're protecting and we'll come back with options in writing.
1204 Exchange Street
Charlotte, NC 28202
Free parking behind the building.
Mon–Fri, 9 a.m.–5:30 p.m.
Sat, 10 a.m.–1 p.m.
Evenings by appointment.
Home insurance
Auto insurance
Small business coverage
Life insurance