Insure your auto, home, family,
rental or business

Your Local Dobson Independent Insurance Agent Tri County Insurance Services, Inc specializes in auto, home, life insurance and more.

Auto Insurance

Auto or car insurance coverage has two parts. The first is the liability section of the policy. It covers your financial responsibility for injuring others. Some liability coverage is required by most states. The second part of auto insurance covers the car itself: comprehensive coverage reimburses losses from fire, theft or other perils; collision coverage pays to repair losses caused by an accident. Often this coverage is mandated by leasing companies or banks. There are also ancillary medical, car rental and other coverages which vary by state. Utilizing high deductibles on the physical damage coverages can help reduce premiums. If you carry umbrella insurance, you must be sure that you carry the required amount of basic liability insurance to avoid a gap in coverage for a serious accident.

Homeowners Insurance

If you have tangible assets, you need the protection of a homeowners insurance policy. These policies cover you in a home or an apartment, whether you are an owner or a renter. A well-written homeowners policy will pay to replace any of your personal property that is destroyed in a fire or other disaster. The policy will also be your first line of defense against a lawsuit from someone injured at your home. The cost of this coverage is determined by many rating factors. The quality of the coverage, however, is determined by the quality of the insurer and whether the policy is written on a named perils or all-risk basis. A named-perils policy covers only those losses specifically cited in the contract. The all-risk policy works the opposite way — unless a peril is specifically excluded, coverage is provided. The all-risk policy is broader and the burden of proof is on the carrier, not you, in the event of a loss.

Business Insurance

Normally, it is difficult for businesses or general contractors to work without general insurance. General liability insurance is intended to guard operators and owners of companies from claims that may come from a broad spectrum of sources. These exposures could be just about anything, including liability engendered by accidents from the operations of the insured party, contractual liability, products manufactured by the insured party, etc.

The liability you select, whether it is one, two, or three million dollars, determines the cost of general liability insurance. Also factored into the rates are the kind of work undertaken, gross receipts and total payroll expenses. Similar to auto insurance, when it comes to general liability insurance, you will first have to make a down payment and then follow it up with installments. Before buying general liability insurance, it is best to compare the quotes available in the market.

It is the business owner’s or general contractor’s job to make sure that the people working under him/her are covered by an insurance policy. If for example, a person who is not a part of the project gets injured, the injured person’s lawyer can target just about anyone involved in the project. The more individuals that are involved, the greater the chances of a successful lawsuit.

Renters Insurance

If you live in a rented house or an apartment, renters insurance provides important coverage for both you and your possessions. In case your house or apartment is broken into, destroyed by a fire, or perhaps a friend gets injured at your home, renters insurance provides financial protection for you and your family. It pays for the repair and replacement of lost items as well as any liability issues you may be responsible for. A renters insurance policy from Tri County Insurance Services can provide you with coverage for your personal items and personal liability to protect you from the unexpected.

Life Insurance

Finding the right Life Insurance products can be challenging in today’s insurance environment. Tri County Insurance Services, Inc offers a complete line of individual life insurance products that are crafted to meet you and your family’s specific needs. We work with several different top-rated insurance companies, and will place your account with the company that will provide you with the coverage and benefits you want. Tri County Insurance Services can help you make sound, informed decisions about issues affecting your life insurance needs. Our philosophy is to fully understand your objectives and then translate them into solutions that provide assurance and peace-of-mind.

Have a question?
Call our office.

(336) 386-8912


It's been really great working with Beverly and her staff on all my insurance needs. They really made the experience stress free. I would have been a wreck had I gone anywhere else but Tri County Insurance Services made the sign up process easy, and I'm so thankful to them for all their help.

Our Team of Insurance Professionals

Tri County Insurance Services, Inc. is an independent Insurance Agency located in the heart of Surry County in Dobson, North Carolina representing many leading, reputable insurance companies. As an independent insurance agency we work with our highly reputable insurance carriers to offer you the best pricing and options at competitive pricing that will best fit your insurance needs.

As a local agency we take pride in the service that we provide our clients. Our agency believes in personal service. We will answer your calls and help you with any questions that you may have concerning your insurance. We will be here to help you through the claims process if something unfortunate should occur. Our team at Tri County Insurance Services, Inc. will be here when you need us.

We encourage you to call our office to see how we can help you with your insurance needs.

We will call you back

We know terms, definitions, and policy conditions can be complicated. When you have a question about your policy, you might need some help. In the world of automated phone systems, isn’t nice to know you can talk to an Insurance Services Representative at your convenience? Our staff can assist you with policy information, payments and answers to your questions.

More importantly, we will give you a call when it’s convenient for you. Click on [Contact Us] menu link and we will call you at a time that suits your schedule.