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Waynesville & Western NC Office

Larry W. Payne Insurance • Serving Haywood County & Western NC

Your Independent Insurance Agency in Waynesville, NC

Our Waynesville office has been a trusted cornerstone of insurance guidance in Haywood County since 2007. Whether you need specialized coverage for a mountain home, protection for family vehicles on winding roads, or comprehensive farm and commercial policies, our local team delivers personal hometown service backed by over 30 top-rated carriers.

Office Information

Physical Address
Larry W. Payne Insurance
977 N Main St Suite C
Waynesville, NC 28786
Direct Phone
Hours of Operation
Mon – Fri: 8:30 am – 5:00 pm
Closed Saturday & Sunday
Communities We Serve
Waynesville, Canton, Clyde, Lake Junaluska, Maggie Valley, and surrounding Western NC communities.
Call 828-456-7626 Get Directions ↗
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Coverage Tailored for Haywood County & Western NC

LWP
As independent agents living and working in Waynesville, we understand local insurance needs that online single-carrier sites miss. Here are key protections we specialize in for our community:

Mountain Home & Cabin Insurance

Specialized dwelling and structure coverage for high elevation homes, slope construction, wildfire defense zones, and mountain weather.

Western NC Auto & Truck Insurance

Tailored vehicle coverage for curvy mountain roads and daily commuting across Haywood, Buncombe, and Jackson counties with multi-policy discounts.

Haywood County Farm & Agriculture

Comprehensive protection for local farms, family estates, tractors, barns, outbuildings, livestock liability, and agribusiness operations.

Commercial & Contractor Policies

General liability, builder's risk, commercial auto, and workers' comp designed for Western North Carolina trade contractors and businesses.

Meet Your Waynesville Team

LWP
Our experienced, licensed agents work for you—not for an insurance company. Get to know our local staff members below:

Looking for Better Coverage or Lower Rates in Waynesville?

One call to our Waynesville team unlocks competitive quotes from over 30 leading carriers. Let us do the shopping for you.

Call 828-456-7626 Get a Free Quote Online