Business Details
50+ Years
experience
Emergency
services
Local Insurance Experts Since 1934
Established in 1934, Towe Insurance Service has built a legacy of providing comprehensive insurance solutions tailored to individual and business needs. Our team of experienced professionals prioritizes personalized service, ensuring clients understand all available insurance and non-insurance options to make informed decisions. With over 85 years of local expertise, we specialize in breaking down complex insurance requirements into clear, actionable guidance. Our commitment to client satisfaction is reflected in our longstanding relationships with policyholders and our reputation as a trusted advisor in Wilson, NC. We represent a diverse network of reputable carriers, offering coverage for automobiles, homes, motorcycles, RVs, boats, yachts, ATVs, snowmobiles, commercial entities, and flood-prone properties.Clients benefit from our 24/7 emergency claims support and dedicated customer service representatives available during regular business hours. As a family-owned agency, we maintain a deep understanding of local market dynamics while maintaining national industry standards. Our clients consistently recommend us to their networks, resulting in sustained growth since our founding. We focus on delivering value through customized risk management strategies rather than generic solutions. Our expertise extends to both personal and commercial insurance sectors, with specialized attention to unique property protection needs.
Services
Auto Insurance
Homeowners Insurance
Commercial Insurance
Motorcycle Insurance
RV Insurance
Flood Insurance
Boat Insurance
Snowmobile Insurance
ATV Insurance
Yacht Insurance
Details
- Year established: 1934
Highlights and features
- We've specialized in property and casualty insurance since 1934 with personalized service
- We analyze both insurance and non-insurance options to find your optimal coverage
- Our clients consistently recommend us to family and neighbors in Wilson County
- We offer 24/7 emergency claims support through multiple carrier partnerships
- Our commercial lines coverage protects all aspects of North Carolina businesses
What people say
Exceptional customer service
Deep insurance expertise
Prompt claims assistance
Competitive rates
Local market knowledge
Services
Auto Insurance
We provide comprehensive auto insurance solutions with competitive rates across multiple carriers. Our policies protect against liability, collision, and comprehensive risks while offering customization options for specialized vehicles. Policyholders benefit from 24/7 emergency roadside assistance through select partner programs.
Homeowners Insurance
Our home insurance policies cover structural damage, personal property loss, and liability claims for primary residences. We offer tailored coverage options for standard homes, vacation properties, and high-value estates throughout Eastern North Carolina. Policy enhancements include flood insurance add-ons for FEMA-designated zones.
Commercial Insurance
We design comprehensive commercial insurance packages that protect businesses from property damage, liability claims, and operational disruptions. Our offerings include general liability, commercial auto, workers' compensation, and industry-specific coverage for North Carolina enterprises of all sizes.
Flood Insurance
We provide federally backed flood insurance through the National Flood Insurance Program (NFIP) for residential and commercial properties in high-risk flood zones. Our specialists help property owners understand mandatory requirements and recommend appropriate coverage limits based on individual risk assessments.
RV Insurance
Our RV insurance policies cover motorhomes, travel trailers, and fifth wheels against collision damage, theft, and liability claims. Coverage options include full-time residence protection, vacation usage, and roadside assistance for both stored and actively used recreational vehicles.
People
Averette Lamm
President
Insurance professional with over 20 years of experience in property and casualty coverage, specializing in commercial risk management and personal insurance solutions for Wilson County residents.
Jack Wiggins III
Vice President
Certified insurance counselor with expertise in underwriting complex commercial policies and advising businesses on liability protection strategies specific to Eastern North Carolina industries.
Tim Sharp
Secretary-Treasurer
Risk management specialist focusing on flood insurance and catastrophe preparedness, with extensive experience handling claims for properties in FEMA-designated high-risk zones.
Beverly Smith
Commercial Lines Client Service Representative
Commercial insurance specialist with 15+ years supporting local businesses through policy management, claims processing, and customized coverage solutions for small to mid-sized enterprises.
Kathy Kennedy
Personal Lines Client Service Representative
Personal insurance expert assisting homeowners and vehicle owners with policy selection, coverage analysis, and claims coordination while maintaining multi-line discount optimization.
Questions
What types of personal insurance do you offer?
We provide auto, home, motorcycle, RV, boat, and flood insurance policies for individuals and families in Wilson County and surrounding areas.
Do you handle commercial insurance for businesses?
Yes, we offer complete commercial coverage including liability protection, property insurance, workers' compensation, and industry-specific policies for North Carolina businesses.
How quickly can I obtain coverage?
Most policies can be issued within 24-48 hours after completing the application and underwriting process during regular business days.
What should I do to file a claim?
Contact our office during business hours or use the 24/7 emergency claims service from our carrier partners, having your policy number and incident details ready.
Do you offer flood insurance for high-risk areas?
Yes, we provide federally backed flood insurance through the NFIP and private markets for properties in FEMA-designated flood zones across Eastern North Carolina.
Are there discounts for multiple insurance policies?
Yes, we offer multi-policy bundling discounts for combining home, auto, and other insurance products through our agency.
Reviews (1)
Melissa Evans
Mar 26, 2017
Report
Towe has been my go to insurance agency for many years. Worked with Tim Sharp who has kept up with all my business and personal insurance needs. Very professional folks with great service, located directly across from Savory & Sweet on Nash Street.
