We're not a call center.
We're your neighbor.
I grew up in a family of five with a father who built his own business, and I still play sports year-round and take on leadership roles when I can. All of it taught me the same thing: show up, do the work, earn it, one relationship at a time.
I opened The Harrison Agency because this industry had a gap. Call in with the biggest financial decision of your life, get a call center: a script, a case number, no personal touch. I built this agency to be different.
I run on the Goosehead platform, which lets me shop 140+ A-rated carriers instead of pushing one company's product. Everything past that, how we treat people, how we hire, how we show up, that's on me.
Last year I flagged a flood gap on a client's annual review, her backyard ran along a creek, and her previous agent never mentioned it in three years. That's the difference between a policy and someone actually paying attention.
What happens after
you reach out.
No forms first. No automated inbox. A real conversation with someone who picks up the phone.
Rooted in NC, VA, SC, OH, MD & GA.
Here's what that means, block by block.
Coverage for a 1920s craftsman in Dilworth is different from what you need on a new build in Waverly, or a coastal property two states away, and an agent who doesn't know the difference isn't doing their job. Below is a real example, Charlotte, block by block, of the level of detail I bring to every client in every state I'm licensed, not just the ones down the street.
What I look for that
most agents miss.
I review the full picture at every policy — not just what you came in asking about.
Real people.
Real situations.
"Chase was incredible! He found the best rates for our home and autos and was very pleasant with a good sense of humor."
"Chase's customer service was great. He was able to get me insurance for such a great discount. He explained what all the coverage meant and how I was covered for home and auto. "
"Talking to Chase Harrison was reassuring and affirming."
When you send someone,
here's what happens.
We have 80+ active referral partners across the states we serve. We didn't build that network by asking for introductions. We built it by making the insurance part disappear so your deal doesn't slip.
We keep things simple, quick, and efficient, with the best service we can give, so clients keep coming back and you look even better for having sent them our way.
Client contacted within 2 hours. Binder and RCE sent same day. You hear it's done, or get an update, without chasing us for it.
There's no set annual review. We pick up the phone any time your client needs to talk through their coverage, so they stay protected year over year and you're remembered as the person who connected them with someone who actually followed through.
Start the conversation →Straight answers about
insurance in Charlotte.
What is The Harrison Agency?
The Harrison Agency is an independent insurance agency in Charlotte, North Carolina, founded by agent Chase Harrison. It operates on the Goosehead Insurance platform from 521 E. Morehead St, Suite 200, Charlotte, NC 28202, and helps families with home, auto, flood, umbrella and other personal insurance.
What is the difference between an independent insurance agent and a captive agent?
A captive agent sells one insurance company's policies. As an independent agent, Chase Harrison compares 140+ A-rated carriers, including Progressive, GEICO, Travelers, Nationwide, Allstate and Liberty Mutual, and recommends the best fit for your home, your risk and your budget.
What types of insurance does The Harrison Agency offer?
Homeowners insurance, auto insurance, home and auto bundles, flood insurance, personal umbrella policies, and any other personal line you carry. One agent handles every policy, usually on a single call.
Which states is The Harrison Agency licensed in?
The agency is based in Charlotte, NC and primarily serves North Carolina, Virginia, South Carolina, Ohio, Maryland and Georgia. It is licensed in up to 10 states in total, which also include Tennessee, Florida, Colorado and Wisconsin.
Does homeowners insurance in North Carolina cover flood damage?
No. Standard homeowners policies exclude flood entirely. After Hurricane Helene, about 25% of NC homeowners' claims closed without payment, almost all of them flood damage. FEMA flood maps don't capture inland rainfall risk, so The Harrison Agency does a site-specific flood check for every home, including homes near creeks in areas like Cotswold and Belmont.
What is a named-storm deductible in North Carolina?
Many NC homeowners policies carry a separate named-storm (hurricane) deductible of 1–5% of the home's insured value instead of a flat dollar amount. On a $400,000 home, that can mean up to $20,000 out of pocket before coverage starts. The Harrison Agency reviews this deductible on every policy it writes.
Is my Charlotte home insured for enough to rebuild?
Possibly not. Charlotte construction costs have risen more than 20% since 2021, so dwelling coverage set at closing may fall short of today's rebuild cost. This is a common gap in homes insured before 2023 and is checked at every review.
How much does a personal umbrella policy cost?
A $1 million personal umbrella policy typically costs about $300–500 per year. It adds liability protection above your home and auto policies, which matters for anyone with significant home equity.
How long does it take to get an insurance quote?
Most clients are fully covered in about 35 minutes. Chase shops carriers live on the call; there are no forms first and no call center. New inquiries get a response within 2 hours.
How do I contact The Harrison Agency?
Call or text (704) 386-6391 or email chase.harrison@goosehead.com. Office hours are Monday–Friday, 8:00am–6:00pm, often evenings too. The office is at 521 E. Morehead St, Suite 200, Charlotte, NC 28202.
Let's make sure
you're actually covered.
A 35-minute conversation is all it takes. No forms, no automated system, just you and your agent.
The fastest way to get started is a quick email or a phone call. Tell us what you're looking to cover and we'll be back to you within 2 hours.
(704) 386-6391 — Mon–Fri, often evenings.