Need an Insurance Guy?Talk to Jerome.
Why call an 800-number when you can call a neighbor? Jerome Scott has been protecting Fayetteville families, businesses, and futures for over 30 years — right here on Yadkin Road.
Real Service. Real People.
Right on Yadkin Road.
At our office, you aren’t a policy number — you’re a neighbor. We shop dozens of top-rated carriers to find you the best rate, without the corporate headache.
Local Expertise
We know NC insurance laws and Fayetteville’s unique needs. Not a call center — a community partner.
One-Stop Shop
From your first car to your retirement annuity, Jerome handles it all. One agent, one relationship.
Always Accessible
Available via phone, email, fax, or a handshake at the office. Real answers from a real person.
Best Rate Available
We shop 15+ carriers so you get maximum protection at the most competitive price possible.
5310 Yadkin Road, Fayetteville, NC 28303 • (910) 487-0044
Our Protection Products
Personal, business, or somewhere in between — we’ve got you covered.
Auto & Motorcycle
Coverage for every ride — cars, motorcycles, boats, ATVs, golf carts, RVs.
Homeowners & Renters
Protecting your sanctuary — single family, condos, mobile homes, townhomes.
Personal Property
Security for valuables, electronics, jewelry, and everything you’ve worked for.
Personal Umbrella
Extra liability protection beyond your standard policies.
Life Insurance
Term, whole life, and final expense. Securing your family’s future today.
Health, Dental & Vision
Plans that cover your local doctors. Open enrollment help available.
Disability Insurance
Protecting your income when you can’t work.
Medicare Supplement
Filling the gaps in Medicare for a worry-free retirement.
Annuities
Guaranteed income for your golden years.
Pension & Personal Planning
A roadmap for your financial legacy.
Educational Funding
Investing in the next generation today.
General Liability
Protecting Fayetteville’s small businesses from third-party claims.
Commercial Auto
Vehicles used for business need specialized commercial coverage.
Workers Compensation
Protecting your employees from workplace injury costs.
Bonds
Fast, professional bonding for contractors and legal needs.
Group Health & Life
Helping local employers take care of their teams.
Commercial Property
Protecting the physical assets that keep your business running.
Where Insurance
Meets Inspiration
Jerome goes beyond premiums — covering financial literacy, entrepreneurship, community leadership, and generational wealth. Real talk, real impact.
Alpha Academy Superintendent Stops By
Community Leadership • Latest EpisodeInsurance Basics Every Family Should Know
Financial Literacy • Episode 2Building Generational Wealth Through Insurance
Wealth Building • Episode 1
More Than Just an Agent
A community pillar, published author, podcast host, and trusted insurance expert for over 50 years.
Fayetteville’s Trusted Insurance Expert
Jerome T. Scott started in insurance in 1969 with Equitable Life Assurance in Fort Wayne, Indiana, and opened his Fayetteville office in 1986. For over 30 years he has been the insurance agency of choice in the area — known simply as “The Insurance Guy.”
With expertise spanning life, health, home, auto, and business insurance, Jerome brings more than 50 years of financial knowledge to every conversation. He holds a Master’s in Business Administration from Central Michigan University and a B.A. in Sociology from Kentucky State University.
Every Day Knowledge About Your Finances You Do Not Know
Jerome’s book answers the questions you have about money — and the ones you didn’t know to ask. A practical guide to building lasting financial security.
📘 Get it on Amazon →Personal Insurance
Auto • Home • Life • Health • Disability • Retirement • Bonds • Umbrella
🚘 Auto Insurance
Auto insurance is required by law in North Carolina. We also cover motorcycles, boats, ATVs, golf carts, and RVs. NC state minimum limits are 50/100/50 — $50,000 bodily injury per person, $100,000 per accident, and $50,000 property damage.
Liability Coverage
Pays for injuries and damages you cause to others. NC requires minimums of 50/100/50.
Collision Coverage
Covers repairs to your vehicle after a collision regardless of fault. Subject to your chosen deductible.
Comprehensive Coverage
Covers non-collision damage: theft, vandalism, hail, animal collisions, natural disasters.
Uninsured Motorist
Protects you when an uninsured or underinsured driver causes an accident.
Our Auto Carriers
- Progressive
- National General
- Auto-Owners
- Penn National
- Kemper
🏠 Home Insurance
We cover single-family homes, condos, mobile homes, townhouses, and renters. Mortgage lenders typically require homeowners insurance.
Dwelling Coverage
Repairs or rebuilds your home if damaged by fire, storms, vandalism, or other covered events.
Personal Property
Replaces furniture, electronics, clothing, and belongings if damaged or stolen.
Liability Coverage
Pays medical and legal costs if someone is injured on your property.
Additional Living Expenses
Covers hotel and meals if your home becomes uninhabitable due to a covered event.
Our Home Carriers
- Lititz
- NCJUA
- Colonial Group
- Auto-Owners
- Penn National
- Foremost
- ASI
- NC Grange
🏥 Health, Dental & Vision
Open Enrollment: Nov 1 – Dec 15 (Jan 1 start). Extended: Dec 16 – Jan 15 (Feb 1 start). Special Enrollment for qualifying life events. We help you get coverage with government subsidies and can include dental and vision.
HMO Plans
Lower premiums, requires a primary care physician and referrals. Best for cost-conscious families.
PPO Plans
More flexibility, no referrals needed, in or out of network. Best for those who want provider choice.
Short-Term Coverage
Temporary coverage for gaps between jobs or coverage periods.
Dental & Vision Add-ons
Comprehensive dental and vision plans to cover your whole health.
Our Health Carriers
- Blue Cross Blue Shield
- Aetna
- United Health
- Pivot
❤️ Life Insurance
Life insurance provides a lump-sum payment to your loved ones, covering funeral costs, debts, lost income, and future expenses. We offer term, whole life, final expense, and AD&D coverage.
Term Life
Coverage for a set period (10, 20, or 30 years). Affordable premiums.
Whole Life
Lifetime coverage with a cash value component that grows over time.
Final Expense
Covers funeral costs and small debts. No medical exam required.
AD&D Coverage
Accidental Death & Dismemberment. Pays out for accidental death or severe injury.
🧖 Disability Insurance
Disability insurance replaces a portion of your income if you can’t work due to illness or injury.
Short-Term Disability
Covers a few weeks to one year. Replaces 60–70% of your income during recovery.
Long-Term Disability
Coverage for years or until retirement. Replaces 50–60% of income for serious conditions.
📈 Retirement Plans
Retirement planning through insurance products guarantees income stability and protection in your golden years.
Fixed Annuities
Guaranteed, predictable income payments for life or a set period.
Variable Annuities
Investment-linked payments with growth potential.
Pension Planning
Employer-sponsored plans with disability and death benefit components.
Educational Funding
Insurance-backed savings vehicles for college planning.
📜 Bonds
We offer surety and commercial bonds for contractors, businesses, and legal proceedings.
Contract Bonds
Guarantees fulfillment of a contract, common in construction and government projects.
License & Permit Bonds
Required by agencies to ensure businesses operate per regulations.
Court Bonds
Fast, professional bonding for legal needs and proceedings.
Commercial Bonds
Investor protection if a bond issuer fails to meet obligations.
☂️ Personal Umbrella Insurance
An extra layer of liability protection above your standard auto, home, or other policies. Often provides $1M–$5M in additional coverage.
Excess Liability
Covers costs exceeding your auto or home liability limits.
Additional Protections
May cover incidents not in standard policies: libel, slander, false arrest.
Business Owner Insurance
Commercial Auto • Property • Workers Comp • General Liability • Professional Liability • Group Benefits
⚖️ General Liability Insurance
Protects your business from third-party claims of bodily injury, property damage, and advertising mistakes. Essential for every business regardless of size.
Bodily Injury
Covers medical and legal costs if a customer is injured at your business.
Property Damage
Covers accidental damage your business or employees cause to third-party property.
Personal & Advertising Injury
Covers slander, libel, copyright infringement, or false advertising claims.
Legal Defense
Pays attorney fees and court costs even if you’re not found liable.
🚚 Commercial Auto Insurance
Coverage for vehicles used for business — delivery trucks, company cars, vans. Covers business operations and cargo unlike personal auto policies.
Liability
Covers injuries and damages caused during business vehicle operations.
Collision & Comprehensive
Covers damage from accidents, theft, vandalism, and natural disasters.
Hired & Non-Owned Auto
Coverage when employees use personal or rented vehicles for business.
Cargo Coverage
Protects goods in transit against damage or loss during delivery.
🏢 Commercial Property Insurance
Protects your business’s physical assets — buildings, equipment, inventory — against fire, theft, vandalism, and natural disasters.
Building Coverage
Repairs or rebuilds your premises if damaged by fire, storm, or covered events.
Business Personal Property
Covers equipment, inventory, furniture, and supplies.
Business Interruption
Covers lost income if your business can’t operate temporarily.
Inventory & Stock
Protects goods for resale from damage, theft, or loss.
🏗 Workers’ Compensation
Covers medical expenses, lost wages, and rehabilitation for employees injured on the job — while protecting employers from lawsuits.
Medical Benefits
Covers doctor visits, hospital stays, surgery, and medication for work injuries.
Wage Replacement
Pays 60–70% of lost wages while the employee recovers.
Rehabilitation
Covers physical therapy and vocational retraining if needed.
Death Benefits
Financial compensation to families of employees who die from work-related causes.
📋 Professional Liability (E&O)
Protects professionals from claims of negligence, errors, or failure to deliver services as promised.
Negligence Claims
Covers legal defense and settlements if a client claims your services caused harm.
Errors & Omissions
Covers mistakes, missed deadlines, or oversights causing client losses.
Breach of Contract
Covers claims when a professional fails to fulfill client agreements.
Confidentiality Violations
Covers inadvertent disclosure of client information.
👥 Group Health & Life Benefits
Attract and retain great employees with comprehensive group health and life benefits.
Group Health Insurance
Lower-cost coverage spread across a group. Employer contribution makes it affordable.
Group Life Insurance
Basic life coverage (typically 1–2x salary). No medical exam required.
Dental & Vision
Comprehensive group dental and vision plans for your team.
Group Disability
Income protection for your workforce in the event of a disabling illness or injury.
Frequently Asked Questions
Straight answers about insurance from someone who’s been doing this for 30+ years.
Our Agency
Auto Insurance
Home Insurance
Health Insurance
Ready to Save? Let’s Talk.
Get a free quote or book a no-obligation consultation. Jerome is here to help.
We’re Here For You
Whether you’re starting fresh, switching carriers, or just have questions — Jerome and the team are ready to find you the best coverage at the best price.
Payment Methods Accepted
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