Independent Insurance Agency
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Formerly Elite Asheville Insurance
Independent agents on Broadway, comparing carriers for Buncombe County families and businesses — including Arden, Weaverville, Black Mountain, Fletcher, Candler, and Swannanoa — with a post-Helene focus on flood coverage most Asheville homeowners never thought they'd need. No single-carrier limitations. No pressure.
Visit Us
81 Broadway St, Suite 201-031
Asheville, NC 28801
Call the Asheville Office
Hours
9:00am – 5:00pm Monday through Friday
An Independent Agency Serving Asheville
ALLCHOICE Insurance Asheville, formerly Elite Asheville Insurance, serves Asheville, Buncombe County, and Western North Carolina as an independent agency representing multiple top-rated carriers. Our office sits on Broadway downtown, which means we write a lot of policies for people in the River Arts District, West Asheville, and Montford — and a lot of commercial accounts for the galleries, restaurants, and tourism businesses that define the city.
Because we're independent, we evaluate options across carriers and present what actually fits your situation, rather than selling a single company's product. Most of our work happens by phone, email, and video. The Asheville office is open Monday through Friday, 9:00 AM to 5:00 PM. Same-day quotes and certificates of insurance are routine. Clients in Hendersonville and the southern mountain area are served from our Hendersonville office.
Neighborhoods We Serve
ZIP Codes
Buncombe County
Asheville's risk profile changed for a lot of homeowners on one night in September 2024. A policy written on pre-Helene assumptions tends to find the gaps at the worst possible moment.
Hurricane Helene (September 2024). The French Broad River exceeded its 100-year flood crest by a wide margin. Biltmore Village submerged under feet of water, the River Arts District was effectively destroyed, and the Swannanoa River corridor saw entire neighborhoods washed off their foundations.
Flooding outside mapped zones. Many Asheville homes outside designated FEMA flood zones flooded anyway during Helene, and only about 1% of Buncombe County structures carried flood insurance beforehand. The pre-Helene assumption that elevation and distance from the river meant safety no longer holds.
Wind and tree damage. Mountain wind events combined with mature tree canopy drive routine claims on roofs, fences, and vehicles, independent of named storms.
Slope and landslide risk. Asheville's hillside development means steep-slope properties carry landslide exposure that a standard policy excludes.
Winter weather. Higher elevation than the Piedmont brings more snow and ice each winter, with associated pipe-freeze and roof-load risk.
What We Lead With Here
Protect
As an independent agency, ALLCHOICE writes the full range of personal, commercial, specialty, and financial coverage for Asheville clients. Every link below goes to full coverage details, NC-specific requirements, and pricing.
Serve. Educate. Protect.
Navigating your coverage journey.
What you own, what you owe, what you can't afford to lose.
We shop the market instead of defending one carrier.
Side by side, in plain language.
A real conversation, not a quote emailed into the void.
You choose. We explain the trade-offs.
Policies bound, documents delivered, questions answered.
Coverage drifts. We check it every year.
We stay in it when a claim goes sideways.
Reviews
Read verified reviews from Asheville clients on our Google Business Profile.
Read Our Google ReviewsQuestions
Also Serving
ALLCHOICE writes coverage throughout the towns and suburbs around Asheville, not just inside the city line.
Get Started
Takes about five minutes to get started. We compare options across carriers and walk you through your choices.
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