Turned away because of your dog or credit?
If another company said no because of your breed, your credit, or a past claim — we say yes. Guaranteed renters coverage, no credit check, every breed welcome.
See renters coverage
Charlotte, NC · Serving neighbors since 1996
A local insurance agent who actually picks up the phone.
Renters told they're too risky. Families juggling first mortgages. Parents turning 65. Tony Sellitti and the Capital Insurance team have been helping Charlotte neighbors find honest coverage — and a real human to call — for nearly 30 years.
Who we help
Real people. Real situations. Straight answers.
We're an independent agency, which means we work for you — not a single insurance company. Here's who calls us most.
Bundling your first home and both cars?
We shop Progressive, Safeco, National General and more so you don't have to. One local agent, one honest recommendation, and real savings when you bundle.
See home & autoMedicare feels like a maze — we've walked it a thousand times.
Supplement or Advantage? In-network or nationwide? We sit down with you, compare the plans that fit your doctors, and never pressure a sale.
Get Medicare helpMeet Tony
A New Yorker who came to Charlotte, built a one-man agency in 1996, and never stopped answering his own phone.
Tony Sellitti has been in insurance since 1988. He grew Capital Insurance into one of the top BlueCross BlueShield of North Carolina agencies in the state — the kind of recognition that comes from how he treats people, not from ad spend. His peers inducted him into the BCBSNC Hall of Fame. His clients keep his number in their phones.
Read Tony's storyIndependent & on your side
We shop carriers, you choose.
House calls, still
We come to you when it helps.
BCBSNC Hall of Fame
Recognized by our peers.
Everything you need, under one roof
Licensed for life, health, property & casualty — so you're not juggling agents when life changes.
Renters Insurance
No credit checks. All dog breeds. $95K contents / $300K liability.
Explore Renters InsuranceHome & Auto
Bundle to save, or standalone — carriers shopped for you.
Explore Home & AutoFlood Insurance
Not covered by your homeowners policy. Starts around $129/mo.
Explore Flood InsuranceHealth Insurance
ACA-compliant plans plus travel and short-term medical.
Explore Health InsuranceMedicare
Supplements, Advantage plans, and turning-65 guidance.
Explore MedicareAnnuities
Secure, guaranteed retirement income planning with Tony at anthonythefloodguy.com.
Explore AnnuitiesTalk to a real person
Email anthony@capitalinsurance.org — same-day reply.
Reviews
What Charlotte neighbors say
“Two other agencies turned me down because of my dog. Tony had me covered the same afternoon and sent proof to my landlord before I got home.”
Jasmine R.
NoDa, Charlotte · Renters insurance
“Turning 65 felt like a maze of mailers. Tony sat with my parents at their kitchen table and walked them through Medicare like family.”
David M.
Matthews, NC · Medicare
“Bundled our first home and both cars — saved almost $700 a year and I actually get a human on the phone when I call.”
Priya & Alex K.
Ballantyne, Charlotte · Home & Auto
Local
An insurance agent in your neighborhood
We serve every corner of the Charlotte metro. Start with your area:
Questions we hear from new clients
- What kinds of insurance does Capital Insurance Agency offer in Charlotte?
- Renters, homeowners, auto, flood, health and Medicare — plus life insurance. As an independent agency we shop multiple A-rated carriers to find the best fit.
- Do I have to visit the office to get a quote?
- No. Most of our clients quote and bind over the phone, text, or email. We do still make house calls in the Charlotte metro when it helps — especially for Medicare conversations.
- Which cities and neighborhoods do you serve?
- We're based in Charlotte and serve all of North and South Carolina, including Matthews, Ballantyne, Pineville, Mint Hill, Concord and Fort Mill. Renters coverage is available nationwide.
Not sure what you need? Just ask.
Talk to a licensed agent who will compare carriers and tailor a policy to your needs — good record or bad, we can help.
Request Your Free Quote