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Guaranteeing Excellence in Price, Product, and Service

Protecting individuals and businesses in North Carolina since 2001.

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Welcome to Turner Houser Insurance Group

We are committed to offering the right personal insurance, business insurance, and life insurance.

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As an independent agency, we are here to help you find the right coverage.

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The Advantage of an Independent Agency Working for You

What makes our independent agency different?

  • We represent multiple insurance companies.
  • We are licensed insurance advisors.
  • We are by your side every step of the way.
  • We offer a wide variety of insurance solutions.
  • We are there for you in your time of need.
Learn More About UsWhy Independent?

Turner Houser Insurance Group

Learn more about our agency.

Turner Houser Insurance Group is settled in Lincolnton, NC, and writes policies for individuals and businesses statewide. Since 2001, Jeff Turner has turned his passion of helping people into owning his own independent agency, offering clients the best possible coverage at the best possible price. With a similar desire to obtain a reputation of excellence, quality products, and extraordinary service, Jamie Houser, who joined the agency in 2006, continues these ambitions in putting clients at the heart of their business.

Insurance alone only gets you so far. Having the right insurance advisors and advocates by your side is essential. By building a relationship with you, we are able to inform you about your unique risks while offering comprehensive insurance solutions to help protect you from the unexpected and plan for the predictable. Read more about us!

Our coverage extends to nearby areas, including Vale, NCDenver, NCCherryville, NCCrouse, NC, and North Carolina statewide.

The Solution To Your Insurance Needs

Providing a variety of personal insurance and business insurance solutions is what Turner Houser Insurance Group does best.

Personal Insurance

Trusted advice and insurance solutions to protect what matters most.

Business Insurance

Coverage and risk management solutions for companies of all sizes.

Protect your family. Get a Life Insurance quote!

Individual Life Insurance
Child Life Insurance
Long-Term Care Insurance
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“We checked with other insurance companies with no results. Amy was the only person who genuinely seemed interested in assisting me. She was able to get me a quote within a day whereas other companies have yet to respond to me. Very helpful and knowledgeable. Thank you!”

– Jessica R.

Real clients. Real reviews. Real coverage.

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Turner Houser Insurance Group + Erie Insurance

We strive to uphold Erie Insurance’s long-standing commitment to service.

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What Makes Turner Houser Insurance Group Special

Here’s what sets us apart when it comes to serving your insurance needs.

Community Focused

We give back to our community and get involved with the charities we support.

Clients Come First

We go the extra mile to exceed your expectations, no matter what you need.

Experienced Agents

With extensive experience, we understand what it takes to bring you quality coverage.

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How can Turner Houser Insurance Group help?

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Policy Review

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Get a glimpse of the risks you face and how your insurance can protect what matters most.

Auto
Bodily Injury Liability Coverage
Risk Factor

It’s easy to get distracted while driving. All it takes is an incoming text message, a fussy baby, or changing the radio station and your eyes are off the road long enough to crash into the slowing vehicle in front of you. As an owner/operator of the vehicle, you may be held financially responsible for any bodily injuries caused as a result of the accident.

Solution

Bodily injury liability covers your legal liability for a covered accident that involves injury to another person, up to the limit of liability you select. Purchase enough coverage to protect your assets should a claim be brought against you or if you are sued. You should also consider purchasing an excess liability policy which may provide additional limits of liability.

Property Damage Coverage
Risk Factor

When involved in an auto accident, you and your family may be financially responsible for any damage caused by your vehicle to someone else's property. The amount required, if any, can vary by state.

Solution

The property damage portion of your auto insurance policy protects you if your car damages someone else's property, such as another car, a fence, or a building. In some instances, you may be able to choose your coverage limit, or it may be a standard amount dictated by the insurer or local laws.

Medical Payments Coverage and Personal Injury Protection
Risk Factor

Depending on the severity of the injuries suffered in an automobile accident, whether caused by you or by the other vehicle, it's not uncommon for healthcare costs to run into the thousands of dollars, with a large portion being out-of-pocket expenses not covered by your health plan.

Solution

Medical payments coverage or Personal Injury Protection, depending on where you live, can help cover some medical expenses and funeral expenses of covered drivers and passengers after an accident. The exact requirements, limits, and coverage can vary by state, so it's important to understand what's required where you live.

Uninsured / Underinsured Motorist Damage Coverage
Risk Factor

What happens when the driver who hit you doesn't have enough liability coverage? Or, even worse, they take off? Research has shown that this happens more than you might expect. If you’re in a collision with someone who is uninsured or underinsured, you can be left to pay out-of-pocket for damages and medical expenses not covered by the other driver.

Solution

Uninsured/underinsured motorist damage coverage may compensate you for bodily injury and lost wages caused by an uninsured motorist, a hit-and-run driver, a driver whose automobile insurance company is insolvent, or a driver who has not purchased enough coverage to pay for damages.

Physical Damage Coverage
Risk Factor

Your automobile can be a fairly costly investment – one that is exposed to many potential losses caused by weather related events, theft, and other circumstances that may be out of your control.

Solution

Physical damage coverage can protect your vehicle if it is damaged in an accident (collision coverage), is damaged by something other than a collision (comprehensive coverage) with a vehicle or object or if your vehicle is stolen. This coverage is optional if your vehicle is paid in full, but it is coverage you should consider if you want to fully protect your vehicle.

Rental Coverage / Loss of Use
Risk Factor

When your vehicle is being repaired or replaced due to a covered loss, you may have to rent a vehicle to get you to and from your daily responsibilities without any interruption. Vehicle rental can get expensive, especially over an extended period of time.

Solution

Rental coverage/ loss of use is an inexpensive option you can add to your auto insurance policy to pay for the cost to rent a temporary replacement vehicle or the cost of public or private transportation if your vehicle is ever in an accident. This coverage is available in a variety of daily limits.

Auto Insurance 101

Make sure you cover the unique risks you face with auto insurance.

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  Contact Turner Houser Insurance Group

As an independent agency, we are here to help you find the right coverage.

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Lincolnton, NC

228 East Main Street
Lincolnton, NC 28092

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