Business Details
39 Years
experience
Your Trusted Insurance Partner in Charlotte, NC
At RJR Insurance Agency, we have been serving the Charlotte community since 1987, providing personalized insurance solutions tailored to the unique needs of our clients. Our team of licensed professionals brings decades of combined experience in delivering comprehensive coverage for auto, home, business, life, and specialty insurance products. We prioritize local expertise, understanding the specific risks and requirements of North Carolina residents, from hurricane preparedness to urban traffic dynamics. Our commitment to personalized service ensures that every client receives customized policies designed to protect their assets, family, and business interests.With a focus on transparency and client education, we guide our clients through policy selection, coverage limits, and available discounts to ensure informed decisions. As a full-service independent agency, we partner with top-tier insurance carriers to offer competitive rates and robust protection. Our dedication to building lasting relationships extends beyond transactions, emphasizing trust, reliability, and community engagement. Whether you're a homeowner, driver, or business owner in Charlotte, we strive to deliver peace of mind through tailored insurance solutions that adapt to your evolving needs.
Services
Auto Insurance
Homeowners Insurance
Boat Insurance
Business Insurance
Life Insurance
Umbrella Insurance
General Liability Insurance
Details
- Year established: 1987
Highlights and features
- We offer personalized insurance solutions tailored to Charlotte's unique needs.
- Our team consists of licensed experts with over 35 years of local experience.
- We provide comprehensive coverage options for homes, vehicles, and businesses.
- We prioritize transparency in policy details and pricing.
- We deliver 24/7 personalized support for urgent insurance needs.
Services
Auto Insurance
Our auto insurance policies in Charlotte, NC, provide coverage for vehicles against accidents, theft, and natural disasters. We offer liability, collision, and comprehensive plans tailored to local driving conditions and state requirements. With personalized guidance, we help drivers select policies that balance cost and protection for peace of mind on the road.
Homeowners Insurance
Homeowners insurance in Charlotte safeguards properties from damage due to fire, storms, and other risks. We provide policies covering structural repairs, personal belongings, and liability protection. Our agents help clients understand coverage limits and discounts, ensuring tailored protection for North Carolina's diverse weather patterns and property values.
Business Insurance
Business insurance solutions protect Charlotte companies from liability claims, property damage, and operational risks. We offer general liability, commercial property, and professional liability coverage tailored to industries like retail, construction, and services. Our policies ensure continuity and compliance for small to mid-sized businesses.
Life Insurance
Life insurance policies provide financial security for families and business partners in Charlotte. We offer term and whole life options to meet short-term and long-term needs, including income replacement and estate planning. Our advisors help clients choose coverage that aligns with personal and business goals.
Umbrella Insurance
Umbrella insurance extends liability coverage beyond auto and home policies, protecting against major claims. We provide up to $25 million in aggregate limits for Charlotte residents, ensuring financial security for high-risk scenarios. This coverage acts as a safety net for significant legal or medical expenses.
People
Robert Ruffalo
Owner
Robert Ruffalo, owner of RJR Insurance Agency, brings over 35 years of experience in the insurance industry. He focuses on personalized service, ensuring clients receive tailored coverage solutions. His leadership emphasizes community engagement and client education.
Questions
What types of insurance do you offer?
We provide auto, home, business, life, boat, and umbrella insurance tailored to Charlotte residents and businesses.
How can I get a personalized insurance quote?
Contact us via phone or our website to discuss your needs and receive a customized quote from our agents.
Do you serve areas outside Charlotte?
Yes, we also serve Ballantyne, NC, and Fort Mill, SC, with localized insurance solutions.
Are your insurance policies customizable?
Yes, our agents tailor policies to match your specific coverage needs and budget.
What are your office hours?
Monday-Friday 8:30 AM-5:30 PM, Saturday 9 AM-12 PM, and evenings by appointment.
Reviews (3)
Jay Elie
Nov 04, 2021
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RJR provides great service. Because they are an independent they were able to find me a policy that provided best coverage for a competitive rate. Do yourself a favor and have a conversation with RJR.
Brian Gainey
May 20, 2020
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After almost 9 years of working with RJR Insurance, I got a quote and found a better rate for an identical product. I was showing a balance of $57 due after my cancellation, I attempted to contact Mandi and Andrea to discuss the matter and never received a call back, after leaving voicemails requesting a return call. I received a letter today from credit collection services (a debt collector) regarding the $57 balance.
I assume they would rather send this item to collections, than to return a phone call to answer a few questions I had concerning this matter. Complete classless handling of a minor situation, from a 9 year customer! You guys attempted to destroy my credit history and I will attempt to warn other prospective clients (and the bbb) of your inappropriate handling of my file.
I assume they would rather send this item to collections, than to return a phone call to answer a few questions I had concerning this matter. Complete classless handling of a minor situation, from a 9 year customer! You guys attempted to destroy my credit history and I will attempt to warn other prospective clients (and the bbb) of your inappropriate handling of my file.
A. Ty
Feb 03, 2017
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Bob is a great professional! He helps explain the web of insurance with ease and in terms normal folks can understand. I've known many others that swear by Bob's customer service. How many other agents will give you their personal number and answer it when needed. I highly recommend Bob, he's no nonsense, honest, and great to work with!
