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Independent Insurance for Lake Norman, Troutman & Western North Carolina
LWP
As an independent insurance agency, we don’t work for a single insurance company—we work for you. Instead of spending hours gathering quotes on your own, our local agents shop over 30 top-rated carriers to find the right coverage at the best rate. Whether you need auto, lakefront home, mountain property, farm, or commercial business protection, we make insuring what matters simple and affordable.
One Local Agency. Over 30 Top Carriers. Total Peace of Mind.
LWP
Finding the right insurance can feel overwhelming. Rates fluctuate, policy fine print is confusing, and captive agents can only sell you their own company's products. At Larry W. Payne Insurance, we take the stress out of the process. We compare policies across leading carriers to build a customized plan that protects your financial future without stretching your budget.
Founded and led by North Carolina native Larry W. Payne—a licensed professional since 2007 and Insurance Champion Award winner—our agency delivers hometown service with regional reach. With physical offices in Troutman and Waynesville, our dedicated team is licensed across North Carolina, South Carolina, Georgia, Tennessee, Texas, and Florida to protect your family and your business wherever life takes you.
When life happens and you need to file a claim, you don't call an 800-number call center—you call your local agent who knows your name. Gain greater confidence knowing your home, vehicles, and assets are properly covered. Contact our office today for a free policy review and see how much you could save.
I was given Bryan's name by a friend because we were looking for a new auto policy. I reached out to Bryan while he was on vacation, unbeknownst to me. Bryan still took the time to work with me even though he was on vacation. It took barely any time for him to find us a new policy. He ended up saving us $300 a month, and that was adding a home policy to our auto policy. Bryan knows the insurance world and he is very professional but also personable. I will definitely share his name and number with anyone and everyone I can. You won't go wrong working with him!
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Krystal Lagos
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As my car insurance started going up I decided It was time to check other insurance options with another company! I found Brian through a Facebook recommendation a few months ago, and he was able to get me a quote with the same coverage I had but over $150 less!! He is super responsive and helpful in answering any questions you may have. And since then he has gotten us a great quote for our new teen driver! I can't say enough good things about him and this insurance agency. Thank you guys!!
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Christopher Spalthoff
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Worked with Bryan Smith to get a renters policy setup yesterday! Efficient and professional. Easy 5 stars, knew exactly the right questions to ask to get my policy in place. Super clear directions on what I had to do on my end and got me a great price, along with getting my landlord on the policy as well. Great interaction overall.
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Mateo Murillo
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Couldn't be happier with Bryan Smith's service! As a broker, he went above and beyond to secure me a fantastic deal on both car and renter insurance. Not only did he find me a better rate, but he did it swiftly and efficiently. Bryan's professionalism and dedication are truly commendable. Highly recommend his services to anyone looking for top-notch insurance solutions!
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Heather Jernigan
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If you need any help make sure you talk to Bryan Smith! He responds quick and is very helpful. He's very knowledgeable and passionate about his work. He makes sure to explain everything throughly and makes sure you're comfortable with everything before proceeding. He's been helping me out for the last couple of years and I couldn't be a happier client! Thank you Bryan for all you do! :D
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Valencia Ellis
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Bryan is the best! I financed a new car in Lake Norman yesterday and really needed to lower my auto insurance rates to offset the cost of my new monthly car payment. After asking me few quick questions and spending some time to price compare to find me the BEST possible deal, he found me a bundle that lowered both my Renters and Auto insurance while getting me better coverage in the process! The process was smooth, and he is super kind & professional. If your goal is to save money, give Bryan a call!!
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Get a free quote now!
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