Trusted, local, independent insurance agency in North Carolina.
RT Thomas Insurance has the knowledge and expertise to provide customized insurance solutions for individuals, families, businesses, and commercial trucking operations in North Carolina.
Get personalized insurance quotes from multiple insurance companies in North Carolina from RT Thomas Insurance.
RT Thomas Insurance has your covered.
We’ve built our insurance agency around understanding what you need and what’s important for your family or business to protect. That’s why we work with a wide range of insurance companies and products in North Carolina to meet your specific needs, including customized coverages.
We don’t work for the insurance company, we work for you.
Client Testimonials.
See why families and businesses across Missouri trust RT Thomas Insurance for comprehensive insurance protection.
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In the 3 years we have been working closely with Leanna, she has been nothing short of incredible! Our home owners insurance was coming to an end with a provider and she was quick to provide us with the next best option. We don’t know what … More we’d do without her assistance, knowledge and experience within the insurance industry, as she continues to make each process effortless and easy on our end! Certainly recommend her if you are looking for help on your insurance coverage options and process! -
We have been with RL Thomas for over 5 years. They are always very responsive to our questions and the staff is very professional and nice
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We are new transplants to Missouri and purchased a home. The service we received from Lauren and RT Thomas Insurance LLC in assisting us in obtaining the insurance for our home was outstanding! Lauren and her team were thorough, efficient, … More supportive, and friendly! We recommend this company to anyone without reservation! Thank you for making our experience of obtaining insurance a positive one!Richard and Rebecca Hoffpauir
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We’ve been very pleased with our experience with Lauren Castillo and R.T. Thomas Insurance Agency. Most recently, Lauren helped us review our insurance and make the switch from Liberty Mutual/Safeco to Travelers.Lauren did a great job walking … More us through our options, answering our questions, and making sure we understood the coverage rather than simply focusing on price. She also noticed that a previous roof repair had never been properly followed up on with Liberty/Safeco to reduce our annual premium. Thanks to Lauren bringing it to our attention, we were able to go back to them and receive a reimbursement for premiums we had overpaid. We never would have known to pursue that without her help.The entire transition to Travelers was handled smoothly, and Lauren was always responsive and easy to work with. It’s nice having a local insurance agency and someone we know we can contact directly when we have a question or need help.We’ve been very happy with Lauren and R.T. Thomas and wouldn’t hesitate to recommend them to friends and family.
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I love RT Thomas! I swear they must be the best insurance agency in the world, and I never thought I would have such strong positive feeling about insurance of all things. My friends from outside MO are literally jealous that I get to work … More with them after I described some of my experiences.They’ve been not only great at shopping for exactly the coverage I want (for instance, for earthquakes), but Raina has also gone out of her way to help us during recent issues we had with insurance claims. Working with RT Thomas makes you feel like you have a partner when it comes to insurance. It’s not just a service. It’s a real professional relationship.So if you’re searching for an insurance agent, your search has concluded here. Congratulations on finding the best option that’s out there!
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Very pleased with the service great to work with would recommend them to anyone.
By the Numbers.
In more ways than one, insurance is a numbers game. RT Thomas Insurance has the experience and expertise to properly protect your business or family for years to come.
Providing proactive insurance strategies for families, businesses, commercial trucking, and fleets, in North Carolina.
…and all other cities, towns, and neighborhoods throughout North Carolina.
| Features & Services | Our Agency | Captive Agent | Online & 1-800 Companies |
|---|---|---|---|
| Access to multiple companies and wide range of products | |||
| Easy switching from company to company without hassle | |||
| Unbiased and objective advice | Tries to sell & support only their one company | Tries to sell & support only their one company | |
| Claims assistance and advocacy | Adjusters are often exclusive to the one company | No help: You vs. adjuster | |
| Policy service from the same person you bought from | To call center | You'll likely never talk to the same person twice | |
| When you buy from an independent agent like us, you're supporting local business and your local economy #choicematters #independentagent | |||
Meet our team.
Meet the experts delivering smarter insurance solutions to Missouri families and businesses.
About RT Thomas Insurance.
Our Values
Integrity You Can Trust
Honest advice. Always aligned with your best interest.
Coverage You Can Understand
Clear explanations. Confident decisions.
Relationships You Can Build
Personal guidance. Long-term partnership.
Excellence You Can Rely On
Professional service. Done right – every time.
Why Choose RT Thomas Insurance
Proactive Policy Review
We don’t just process renewals. We review, analyze, and restructure coverage at renewal and during rate changes to ensure your protection keeps pace with your life or business.
We Shop Strategically
When premiums increase, we compare options across trusted carriers — balancing coverage, cost, and long-term value.
One Agency. Complete Strategy.
Home, auto, business, trucking, and life — managed under one coordinated plan, not scattered policies.
