Wayah Insurance | Full-Service Insurance Agency

Wayah Insurance is a trusted, family-owned independent insurance agency serving Franklin, NC, and surrounding communities since 1913. With over 110 years in business and more than 360 years of combined experience among its team, this agency brings deep local knowledge and a commitment to personalized service. As a National Partner of the Year and member of the Keystone Insurers Group, Wayah Insurance has earned recognition for excellence in client care and industry leadership.

💼 About Us

Founded in 1913, Wayah Insurance Group, Inc. has grown from a local Franklin office into a multi-state agency serving clients across North Carolina, Georgia, South Carolina, Tennessee, Alabama, and Florida. Licensed in all these states, the agency operates as an independent broker, giving clients access to a wide range of top-rated carriers and customized coverage options. The agency is proudly led by President & Owner Jeff Cloer and Owner Steve Chenoweth, with a team dedicated to providing a concierge-level client experience.

🛡️ Insurance Services Offered

As a full-service, multi-line insurance agency, Wayah Insurance offers comprehensive protection for individuals, families, and businesses. Their extensive portfolio includes:

• Auto Insurance – Personal and commercial vehicle coverage
• Home Insurance – Including dwelling fire, landlord packages, and flood insurance
• Life Insurance – Individual and group options
• Health & Medicare – Medical plans and Health Savings Accounts (HSAs)
• Business Insurance – Workers’ compensation, BOP, cyber liability, inland marine, and crime insurance
• Specialty Coverage – Boat & yacht, recreational vehicles, jewelry & valuables, wedding events, farm, and antique/classic auto
• Financial Services – Retirement plans, fixed annuities, and financial planning

🌟 Why Choose Wayah Insurance?

As an independent agency, Wayah Insurance doesn’t represent just one carrier—this means greater flexibility and better value for clients. Key advantages include:

• Bundling Savings – Up to 15% off home insurance when bundled with auto through Travelers
• Interactive Risk Assessment Tools – Proactive planning for cyber threats, extreme weather, and distracted driving
• Concierge Client Experience – Dedicated agents who guide you from quote to claims
• Free Consultations & Online Quotes – No obligation, personalized service
• Group & Employee Benefits – Tailored packages for businesses of all sizes

🤝 Our Carriers

Wayah Insurance partners with nationally recognized, financially strong carriers, including:

• Travelers
• American National Insurance Company
• Cincinnati Insurance Companies
• American Collectors Insurance

These partnerships allow the agency to offer competitive rates and specialized coverage for niche markets like classic cars, high-net-worth individuals, and public entities.

📍 Service Area

Licensed in NC, GA, SC, TN, AL, and FL, Wayah Insurance serves:

• Franklin, NC
• Highlands, Cashiers, and Sylva, NC
• North Georgia
• Across the state of North Carolina
• Selected clients throughout the Southeastern United States

📞 Getting a Quote

Obtaining a free, no-obligation quote is easy. You can:

• Request a quote online via their official website
• Call 828-524-4442 to speak with a licensed agent
• Visit their office in person at 295 E Palmer St, Franklin, NC 28734

Agents like Hunter are known for helping clients save significantly—Sierra Elliott shared: “Hunter helped my husband and I save so much money and was very helpful through the process. Highly recommend them!”

🚨 Claims Support

Wayah Insurance provides proactive claims assistance, guiding clients through every step. Their team ensures prompt communication with carriers and advocates on your behalf to achieve fair resolutions—whether it’s auto, home, or commercial claims.

👥 Meet Our Team

The agency is led by experienced professionals including:

• Jeff Cloer – President & Owner
• Steve Chenoweth – Owner
• Hunter – Client-focused agent known for savings and excellent service

With decades of combined experience, the team specializes in serving landlords, farm owners, small businesses, and collectors of antique and custom vehicles.

⭐ Client Testimonials

“This place is awesome! Hunter helped my husband and I save so much money and was very helpful through the process. Highly recommend them!” – Sierra Elliott

❓ Frequently Asked Questions

What makes Wayah Insurance different from other agencies?

As an independent agency with access to multiple carriers, they offer unbiased advice and tailored solutions—not one-size-fits-all policies. Their concierge service and interactive risk tools set them apart.

Do they offer coverage for classic or antique cars?

Yes, through their partnership with American Collectors Insurance, they specialize in coverage for classic, custom, and antique vehicles.

Are online quotes free and accurate?

Yes, online quotes are free, no-obligation, and generated using real-time data from top carriers to ensure accuracy and competitiveness.

Can they help with business insurance for small companies?

Absolutely. They offer Small Business Owner’s Policy (BOP), cyber liability, workers’ comp, and customized packages for public entities and startups.

Do they provide financial planning services?

Yes, including retirement plans, fixed annuities, and Health Savings Accounts (HSAs) as part of a holistic financial protection strategy.

Editorial review: May 17, 2026 — Sources: wayah.com, facebook.com, mapquest.com, progressiveagent.com, guideone.com. If you notice any inaccurate data, please report it.