Home
Homeowners insurance products can help you protect your home and belongings should disaster strike.
Auto
If you drive or own a vehicle, being insured is more than just a convenience – it’s a necessity.
Umbrella
With decades of experience, we're excited to make sure you get the coverage you need before you need it most.
Ready to protect what matters most?
Our deep library of insurance resources can help
Designed for You
A New Approach to Insurance
You can't always plan ahead, but you can be prepared. We'll work with you to make sure you're protected from any curveballs that life throws your way.
"I found Ryan Hales at a previous agency many years ago while trying to find a better rate for my Homeowners and autos. He was so exceptional and genuinely cared about me. Anytime I had any question or changes, he would get in touch with me immediately and always found the lowest rate to beat anyone around, so when I heard he had opened his own agency, I HAD to locate him. He will always go overboard for you to find the best companies to fit your needs. Ryan is the best agent I have found in 29 years, living in Wilmington!"
- Elaine Haradon, Current Customer
"As a loan officer it’s incredibly important that I have a relationship of trust and mutual respect with the service providers I refer my clients to. Without a doubt I know that when sending a client to Ryan and Madison at My Carolinas Insurance they will receive excellent customer service as well as some of the most competitive insurance rates in the area. I personally am a customer of theirs and an enormous amount of my clients are as well. I wholeheartedly recommend them to anyone with a need for car and homeowners insurance."
- Joey Milam, Alpha Mortgage
"My Carolinas Insurance & Ryan Hales has provided exceptional service for both my business & personal needs. With a wide range of products and services and highly knowledgeable agents, they have the tools to meet the needs of any customer. I am proud of my continued business relationship with them and look forward to many more years of working together."
- Brad Hunter, Sea Coast Advantage
"Ryan found us better coverage while saving us hundreds of dollars. Make sure to check with him when you need insurance."
- Chris Scharf, Current Customer
"I was referred to My Carolinas Insurance by my refinance company and never looked back! My premium is almost half of what I was paying with my previous insurance company for the exact same coverage. Switching was easy, seamless, and the attentiveness we received to any questions we had was superb. What's there not to love about My Carolinas Insurance: save money, easy and simple, all with great customer service!! They truly are second to none! Satisfied customer and homeowner."
- Joshua Bush, Current Customer
“Ryan and his team have been taking care of our insurance needs for several years. He is extremely knowledgeable, and his team is always responsive and professional. Ryan is a true problem solver. During the years I have been working with him, I can always count on him to recommend the best companies and programs to provide the best coverage with the most reasonable premiums for our family. His team is always responsive and helpful, no matter how large or small my needs have been. I would highly recommend My Carolinas Insurance!”
- Jennifer Faulkner, Current Customer
Insurance Coverage for Every Aspect of Life
Protecting What Matters Most
Life is full of milestones. Starting your career, getting married, growing your family, starting a business, and retiring are just some of the amazing things we experience.
At My Carolinas Insurance, we approach your insurance from a wide-angle lens and build long-term, trusted relationships. To us, you’re not just a policy number. You're our priority, and we have built our agency around helping you succeed. Contact us today to get started.