Insurance in Charlotte, NC, Gastonia, NC, Mt. Holly, NC, Huntersville, NC, Rock Hill, SC, Ft. Mill, SC and and throughout all of North and South Carolina.
Capstone Insurance Agency, LLC offers Personal Insurance, Business Insurance, and Life Insurance solutions.
I haven't had any claims (thank goodness) but the sales rep has always answered my questions quick. She's the best!
Everyone is always nice and able to take care of my needs.
The team at Capstone has always taken care of us, answering questions and providing guidance when needed!
Sonya always goes above & beyond to help with any issues I have concerning my policies. Don't know what I would do without her.
Shopping for the best price and deal to fit my needs!
The staff is always happy and friendly. They also go out of there way to help answer any questions and give me guidance when I ask.
You all make sure that your customers are taken care of!!
We love the way you always support your clients and put their needs first. During hard financial times you all helped us rearrange and save money. Your support during this time was such a blessing; words cannot convey!
I was in the insurance/estate planning business for over 20 years. Capstone is by far one of the best agencies i have ever dealt with. Very quick to respond to my needs and your staff is always kind and helpful. Thank you
Responsive. Easy to work with.
Very good service . Sonya goes above and beyond for her customers. Thanks for the great service !!
The monthly payment was the biggest thing for me. The communication with my rep was great as well.
I appreciate that you are local and are always helpful when I've stopped in with a question.
First, I would like to say the response time of our questions was great and walked us through the process was awesome!!! Secondly, y'all lowered our insurance with us getting even more coverage. Thanks, candy...
You have always provided, no hassle, fast, and friendly service! Thank you and God bless you.
The customer service friendliness and prompt handling of questions.
Very understanding when payments weren't on time
The service and concern of my insurance Request and needs were friendly and above average, and i got great rates as well. Thank you Candy and staff for a great experience!
I have been a long time customer for both my home and auto needs, and have never considered any other agency. The outstanding personal service and support they provide are key reasons why I always recommend the company.
Could not have been better. Quick response. Excellent customer service ! Thank you !
I recommend your company to anyone I know who works with me
Mrs. Sonya has always been a great person and i like dealing with her.
Capstone has been wonderful to work with. They have saved us time and money. Sonya is always attentive to our needs and issues.
Staff is always friendly and that make sure to take care of the customers
Good understanding of customer’s needs, great follow through
Candy is a teacher. She took the time to explain to me, in plain English, where my current policies were lacking and how we can improve. She didn’t try to sell me anything, she chose to teach me instead so that I felt secure in my decision without pressure to update my policies
No complaints and I highly recommend. Currently have a 2005 Mustang GT, 2004 Mercury Marauder, and a 2019 Ford Ranger Super Crewcab insured through her agency.
What can I say. . . Well 1st off I thought it would be a challenge to insure 1 but to do 4 and best the aggressive pricing that I just knew couldn’t be beat, as others have tried for years. It kind of started out like a game of quotes just like the others have tried and low and behold the deal that I thought I had, had been beat. After switching over Candy and everyone at Capstone makes me feel like we’ve known each other for years. Thanks again for taking the challenge to best what had been a great value for years and cutting the cost for insurance by more than half. I hope this isn’t a dream but if it is when I wake I’d go directly to Capstone and inquire. I promise you'll be glad you did. Thanks again Candy and crew for all that you do.
I had overlooked and let my coverage lapse. Everyone at the office was great and helped me get coverage again. Thanks very much!
Everything!! Love the smiles I get when I walk in.
Our daughter is our agent and is very knowledgeable about insurance.
This company is incredibly good I been with Capstone for years and never had any issues...So if you want to come aboard we would be happy to have you..
Sonya and the team at Capstone Insurance went above and beyond to make sure our homeowners policy was in place under an extremely tight timeline. Their care and commitment won them our auto insurance business as well! Great people providing excellent service at reasonable pricing...what else could you ask for?
Prompt, courteous service!
Wonderful experience with Capstone Insurance company. Great service with quick turn around times and responses. Great prices and very knowledgeable. Thanks Sonya and Fiona.
Sonya goes above and beyond for her clients. She’s a great asset to have on your team.
Your agent I talked to was very helpful and very kind over the phone and Responded to emails in a great timely manner ! Good work !
Everything
Very professional and helpful, great prices
It has always been a pleasure doing business. I have always been made to feel welcome and any questions that I’ve had over the years was always answered in a timely manner.
A great insurance company and very helpful I love.
Very professional, reliable and courteous
Sonya is always so helpful. She goes above and beyond to take care of all our insurance needs. I would highly recommend her and the whole Capstone team for all your insurance needs.
* Responded in a timely manner. * Erie is a company I am very familiar with. * Available policies that other companies could not offer
I appreciate your customer service & trying to please the client. It was genuine. You showed you cared about what I needed for my situation. Also the follow up, to get things completed. Thank you. SG
Sonya has been my agent for almost 2 years now. She has been very responsive to my businesses fluctuating needs. She has gotten me numerous policies and quotes to see which was best for my business. Sonya is always very personable and very detail oriented when it comes to working with our business. I have and will continue to refer Sonya Smith with Capstone Insurance Agency.
Honest and upfront. Good people all around!
Sonya not only listens to what I am asking for but also presents options to solve my inquiry that I have not even thought of.
I decided to price shop for car insurance and I found you through Dave Ramsey's ELP Program. I trust Dave, so I knew that was a great place to start. From the very beginning, you were so pleasant to speak too. I felt the extra care and attention. You were very thorough with your explanations and suggestions and really went the extra mile. I feel like I can trust you and the Agency which is extremely important to me. As I mentioned to you when we last spoke, I will be calling back to see what you can offer for my mother and I have already referred you to two friends. Thank you again Candy!
Sonya’s level of customer service and professionalism always exceeds expectations!!
Continued updates on policies and suggestions to help out our needs. Quick to handle situations that could seem complicated they simplify. Love em
Sonya, I was thankful with your immediate response to my business insurance needs. Also appreciated your professionalism.
Great to work with and make me feel like family
Any time we have a problem we can call and we know that whatever problem we have it is taken care of immediately!!
Sonya is the best ! She’s been taking care of our insurance needs for 20+ years. Always answers my questions and just the best customer service.
I got a great rate and my only responsibility is sending in my monthly payment.
You had better rates. Fiona was terrific--very easy to work with and provided all the info needed quickly. Employees like her are hard to find. Keep her and you will keep customers.
You are always very responsive to any of our questions
I always feel like a valued customer when I call with any questions or concerns. I always receive a quick and thorough reply. Professional and personal ...what more could you ask for?
My insurance needs were met immediately and also made available online. I would totally recommend this agency to anyone.
You helped insure our small business smoothly and without interruptions.
We had Allstate home & auto insurance for over 25 years. But changing from Allstate to Erie was painless. Candy provided excellant service and was so easy to work with. Thanks!
All around great experience. Fast service and at a great price.
Sonya - Your knowledge, professionalism, follow up, insights,advice and attention to details is truly appreciated. Thank you
When I request a certificate sent to builders you are very prompt.
We love that Sonya was very responsive and followed up on a regular basis. Renewing my insurance plan in February, with Sonya's attentive assistants of course :)
Sonya Smith is the best insurance agent ever!!! She's been mine 20+ years!!!
Saved me about 50% from what I was paying before. VERY FRIENDLY and helpful. Helped me through the whole changeover process with ease. Sent a handwritten thank you (pretty much unheard of today) and sent us our car insurance "packets" to keep in each car (even my husband was impressed, and that really says something!)
The initial phone call was painless and quick. Sonya was easy to work with.
friendly and available to answer any questions.
Helped us understand what was the right coverage for our vehicles.
I have everything I need in one place and Sonya has been so helpful.
FIONA!
Sonya you are always there to answer any of our questions or get us the answers. Thanks
Great customer services and very personalable
Great customer service
Always available if we need them.
ALWAYS READY AND WILLING TO HELP. I KNOW I'M TAKEN CARE OF AND NEVER HAVE TO WORRY.
Y’all handled sending my insurance info to my company so I wouldn’t have to and I greatly appreciate that. P.s my name is spelled Erik
Effective prompt professional and courteous service
Capstone Agency has always addressed my concerns in a timely manner and to my complete satisfaction.
All questions and concerns are answered promptly and with professionalism.
Very prompt in getting us with a great quote.
All the people at Capstone that I have dealt with are very friendly and professional. And the products offered are outstanding. You can’t go wrong with Capstone.
Sonya is awesome. She made everything easy and I'm 100% happy.
Y'all are always available with any questions that I have. Easy to contact.
Pleased with the service and follow up I received. Look forward to a good relationship with Capstone! Sincerely, Mark P Gillotte
Great competitive rates and the best customer service in the industry!
Sonya is the best. Always gets us what we need. Always answers all my questions.
Agent Sonya Smith was informative, and helpful. Good to deal with. Well recommended.
The price was good and the service was excellent. Love talking to a person not an individual that doesn’t know you
Sonya always helps us and is always very professional. She is very knowledgeable and eager to go above and beyond for us. I have recommended others to Sonya.
Being on top of things. Reminding me of the renewal and asking if there's anything that needs to be changed. First class service in that area
Sonya, you made us feel important and were patient even though we came in near closing. We saved a lot of money and now have everything bundled.
We always get prompt answers and professional service. Very satisfied, long term clients.
The customer service is great! And Sonya have always worked hard on finding the best qoutes for your needs!
Prices are comparable. Always there to answer your questions good customer service.
Always courteous and friendly while showing you the facts and coverage. Always willing to research nontraditional situations, talking to Erie, and coming up with common sense equitable solutions. I have been very pleased with Capstone which is a far cry from where I was at with the previous owner.
There is always great friendly customer service whenever I need them they are there. Sonya is the best, for me the best deal for the coverage I needed! Thanks Capstone!!!
Capstone has been handling our business and personal insurance for 16 years. I have been referring my family members, friends, and clients to them for years now for the their individual and business needs. I rarely do reviews, however I am continually impressed with their knowledge and professional courtesy. Sonya continually advises myself and my family with our insurance needs with skill and care.
Good Customer service!!!!
I love that they are always willing to help in any way they can. Just this week, Sonya retrieved a document I was not able to. Fiona emailed necessary forms I needed to cancel a policy. We have been with them for 35 years and they have always provided excellent customer service!
Lower prices than my car insurance offered
Responsive and personalized service
Great customer service. Sent me information to change my bank information for my bank draft
Your professionalism, courtesy, how all of the ladies are friendly and ready to assist me especially Sonya. I've been a customer since the early 2000's never regretted it. Even though the name has changed I'm expecting the same service I've gotten since being a customer.
I have had several issues with a new car, adding roadside etc. and questions regarding an accident. Each time my issues were resolved quickly and with no delays. I am more than happy with the service I have received. It is the best!
I call them all the time with questions. They are always ready and willing to help. I know I probably get on their nerves but you would never know it.
Customer service is on point! Thank you sincerely, William Osborne.
When I had an unfortunate accident, your agency made everything as easy for me as anyone could expect. You are always responsive when I have a question.
Customer service and prices
I’ve known Sonya and her fellow agents for years and they are always prompt and friendly Thanks
You categorized me correctly based on my needs and saved me money and time. You're always available and quick to handle any concerns. Simplicity. Thanks again
Went above and beyond to get me the lowest rate. Also very friendly and professional customer service.
Love working with Sonya Smith. She has been very helpful and she is extremely knowledgeable.
Sonya was very professional, explained my options, answered all my questions and took care of my insurance needs without me leaving the house. I had insurance through Erie up in Maryland and I was very pleased with both my encounters. Jernon was my go to person up there and she was awesome. It was a delight to find Sonya with the same knowledge and expertise. Thank you Sonya!
Always provided good details and answered all my questions.
Always willing to take calls. You get to talk with a real person.
We were very happy with the quotes we received for auto and home. Significantly less than our previous carrier. Thank you!!
I call them all the time. Always helpful and figure whatever it is out.
Prompt and affordable services
I appreciate the fact that someone answers the phone and has a polite and welcoming greeting to go along with it. This Capstone moves very fast to answer any questions or to send out COI's.
Convenient location, understood my insurance needs and provided cost effective solutions.
Sonya Smith happens to be our daughter. She has handled our insurance for many years. We hope for many more years with Capstone.
Everything!!! Going beyond and above!! It’s like breakfast in bed. I don’t have to do much at all!!!
First of all we love Sonya and Capstone is a wonderful company we really appreciate y'all
We were in a pinch to obtain affordable homeowners insurance quickly. Working with Sonya at Capstone, we were able to initiate our policy in no time. Additionally, Sonya clearly explained the benefits of the policy and was able to answer all questions in layman’s terms.
Excellent / Fast / Accurate information and service to change policy information.
Everything
When I call I always get a person and they respond to my needs quickly. Everyone is very friendly and enjoyable to work with.
Fantastic advisors and helpful quick responses. Friendly, courteous and knowledgeable. They do business the way we're supposed to. You tell them your situation and they give you a solution.
Sonya made the process a walk in the park, explaining each step of the process to my satisfaction! I will be recommending her to anyone with insurance needs!
Sonya is always very help and gets my questions answered quickly.
They have addressed every issue I brought to them quickly and efficiently. We have both auto and home insurance with Capstone and State Auto.
Sonya has always been available when we need her. Unfortunately, we had to submit a claim after an accident. They first asked if we were ok. Then the company took very good care of us and everything was handled on a timely basis. i highly recommend! Kimi Parker
Updating me on the best rates for my insurance for automobile and rental insurance..
Sonya is awesome!
Awesome customer service!
Your quick response and professionalism was greatly appreciated.
Been a customer for well over 20 years and couldn’t ask for better customer service. Sonya has always been the best to work with.
Always have my best interest when finding Ins that’s best for me. Customer service is awesome always.
Great Service
Always available for answers to my questions or any assistance needed
Sonya has helped me with everything I’ve ever needed. I currently have a motorcycle policy and a vehicle policy covering 4 vehicles. I also have a renters insurance policy with Sonya. Up until six months ago I had workers compensation and general liability insurance for my construction company but I changed my employment so I don’t need it now. Sonya is awesome. Come see her!!!!!
Your promptness and proactiveness in getting my insurance needs taken care of quickly.
I live on a small budget and love saving money any way I can. I appreciate the fact that a Capstone agent took the time to find me a lower rate.
It was a very easy and smooth transition to switch over to my new insurance.
Well I like capstone insurance they are very helpful all the staff are very professional
Friendly easy quick service !!! Prices were fabulous and cut my other insurance in half with better coverage
Great customer service!
Sonya listened intently to my problem and concerns allowing my mortgage company pick my home owners policy when I first brought my house 3 yrs ago. She then prepared a quote with more coverage saving me $450 per year less. Wish I had acted sooner I would have saved $1,350 total.
Sonya always goes the extra mile to get the insurance we need!! Always! Quick to respond too. She is so nice which is an added plus!
The service was great. Handled all questions professionally. Would recommend to all.
I absolutely love this company. I can have things taken care of immediately either by phone, email, or in person. They have the best rates around and will work diligently to get you the best coverage for the best price! Ashley Blanton
Great Customer Service
Very knowledgeable of every situation. Very nice and helpful. Speedy turn around of information and calling back.
So far so good! I am a happy customer. I have recommended your services to friends already!
We would absolutely recommend you and Capstone to anyone! You have went above and beyond for us , as well as my mom who recently switched over and saved us a lot of money.
Sonya is very responsive and thorough. She never fails to take care of us with recommendations tailored to all of our needs, and she's fast which is extremely helpful. I would personally refer everyone I know to her for insurance!
I have always received quick response on all my queries.
Absolutely love Sonya! She really knows what she’s doing and really knows how to deal with people! Too bad there can’t be more of her!
I insured my first car with this agency and that was over 50 years ago. I have insured numerous cars since and a house and even a business. They have always treated me with respect and are extremely helpful. I would highly recommend them for all of your insurance needs.
Sonya Smith is AMAZING. Responsive and her customer service is second to none. She gets back to me after hours and even on the weekends. I would recommend Capstone to anyone knowing that they will be in good hands with Sonya.
Sonya is great to work with and is always getting you the best deals! I have sent my whole family to her and numerous friends! Thanks for all you do and for always taking care of me!! You're the BEST!!!
Love Sonya!!!
Quick, professional, agents and staff that provided me with the insurance I needed and gave me a great rate. They are awesome!
FIONA.
We love Sonya smith!! She is always very helpful with everything that we have always needed! Sonya is the reason we have stayed with Erie insurance for so long.
Customer Service ON POINT every time I call or email. I always feel as like a valued customer and represented well .
Sonya Smith is very helpful in understanding the insurance you’re paying for at the best possible value.
Very helpful and professional and helped me get exactly what I needed. Thank you
Personal Friendly Service.
You are very responsive to inquiries and requests for COIs.
I have been dealing with Sonya for years and she has always taken good care of me and I am not a easy client.
I have had this Agency for years and never have I had to worry about anything, I know they have or will take care of my Insurance needs. Very nice and helpful bunch. :)
I can always depend on you all whenever it's a problem!
I have had Erie Insurance for both my home and my vehicles for over 20 years and my insurance agent has helped me with 2 claims over that period of time...and their assistance has been invaluable. I would recommend Capstone Agency to anyone looking for insurance.
Great service!
Very accommodating, on the ball and definitely looking out for the customer. Couldn't ask for better!
Candy, I love the way you treat your clients, like family. Keep up the good work. My brother told me he is going to insure his 87 BMW with you....
always helpful when I call, always looking for a better policy
Good communications and no nonsense interaction. Felt like they have your best interests at heart.
Sonya is always professional, helpful and knowledgeable. She cares about her clients and goes above and beyond to help.
I always get clear, concise answers to all my questions whenever I can speak with Sonya Erie Insurance has been very easy to work with on the few but, significant losses we have experienced. I would recommend this agency anytime..
Always there to answer questions without a hassle
When my husband had an accident I felt that Erie took care of us in every way.
I really like how willing the agents are willing to work with me to find the right coverage that I need. They helped me a lot when I moved to a new state and had to switch me insurance over. They made a process that I thought would be long and arduous into a quick and easy fix and I greatly appreciate it.
Customer Cares and Concerns
Sonya is a great asset to this company. She has always went above and beyond to explain to me what coverage would work best for us. Very professional and is always there if needed. I proudly recommend this company.
great relationship with Sonya! Always easy to get answers and help from her when needed!
You all are so nice !
prompt quotes great pricing great coverage. knowlegeable staff
Quick and responsive communication is of value to me and Candy does just that!
I have had to call with many questions that were all answered in a timely manner. Helped me save on insurance and checked for deeper discounts.
Your agency makes everything with insurance simple and easy.
Always responds quickly to message. Very pleasant and easy to work with.
I'm very satisfied with your service.
Great company to do business with.
Capstone has always provided me with great service! It’s the only place I have referred so many people and that’s because, Sonya will do anything to meet your needs and questions and has always been there for me which is why I have been with them for so long, Thankyou for everything !
I have had nothing but great service from Capstone Insurance Agency and my agent Sonya Smith, she is the best. Randy Kirby
I have been with Erie Insurance for many, many years and with Capstone Insurance Agency (formerly Lawing/Elvington Agency) for many years as well. I have had excellent service the whole time...the reason I have stayed with them all of these years. I wholeheartedly recommend them for your insurance needs.
I haven't had any claims (thank goodness) but the sales rep has always answered my questions quick. She's the best!
Everyone is always nice and able to take care of my needs.
The team at Capstone has always taken care of us, answering questions and providing guidance when needed!
Sonya always goes above & beyond to help with any issues I have concerning my policies. Don't know what I would do without her.
Shopping for the best price and deal to fit my needs!
The staff is always happy and friendly. They also go out of there way to help answer any questions and give me guidance when I ask.
You all make sure that your customers are taken care of!!
We love the way you always support your clients and put their needs first. During hard financial times you all helped us rearrange and save money. Your support during this time was such a blessing; words cannot convey!
I was in the insurance/estate planning business for over 20 years. Capstone is by far one of the best agencies i have ever dealt with. Very quick to respond to my needs and your staff is always kind and helpful. Thank you
Responsive. Easy to work with.
Very good service . Sonya goes above and beyond for her customers. Thanks for the great service !!
The monthly payment was the biggest thing for me. The communication with my rep was great as well.
I appreciate that you are local and are always helpful when I've stopped in with a question.
First, I would like to say the response time of our questions was great and walked us through the process was awesome!!! Secondly, y'all lowered our insurance with us getting even more coverage. Thanks, candy...
You have always provided, no hassle, fast, and friendly service! Thank you and God bless you.
The customer service friendliness and prompt handling of questions.
Very understanding when payments weren't on time
The service and concern of my insurance Request and needs were friendly and above average, and i got great rates as well. Thank you Candy and staff for a great experience!
I have been a long time customer for both my home and auto needs, and have never considered any other agency. The outstanding personal service and support they provide are key reasons why I always recommend the company.
Could not have been better. Quick response. Excellent customer service ! Thank you !
I recommend your company to anyone I know who works with me
Mrs. Sonya has always been a great person and i like dealing with her.
Capstone has been wonderful to work with. They have saved us time and money. Sonya is always attentive to our needs and issues.
Staff is always friendly and that make sure to take care of the customers
Good understanding of customer’s needs, great follow through
Candy is a teacher. She took the time to explain to me, in plain English, where my current policies were lacking and how we can improve. She didn’t try to sell me anything, she chose to teach me instead so that I felt secure in my decision without pressure to update my policies
No complaints and I highly recommend. Currently have a 2005 Mustang GT, 2004 Mercury Marauder, and a 2019 Ford Ranger Super Crewcab insured through her agency.
What can I say. . . Well 1st off I thought it would be a challenge to insure 1 but to do 4 and best the aggressive pricing that I just knew couldn’t be beat, as others have tried for years. It kind of started out like a game of quotes just like the others have tried and low and behold the deal that I thought I had, had been beat. After switching over Candy and everyone at Capstone makes me feel like we’ve known each other for years. Thanks again for taking the challenge to best what had been a great value for years and cutting the cost for insurance by more than half. I hope this isn’t a dream but if it is when I wake I’d go directly to Capstone and inquire. I promise you'll be glad you did. Thanks again Candy and crew for all that you do.
I had overlooked and let my coverage lapse. Everyone at the office was great and helped me get coverage again. Thanks very much!
Everything!! Love the smiles I get when I walk in.
Our daughter is our agent and is very knowledgeable about insurance.
This company is incredibly good I been with Capstone for years and never had any issues...So if you want to come aboard we would be happy to have you..
Sonya and the team at Capstone Insurance went above and beyond to make sure our homeowners policy was in place under an extremely tight timeline. Their care and commitment won them our auto insurance business as well! Great people providing excellent service at reasonable pricing...what else could you ask for?
Prompt, courteous service!
Wonderful experience with Capstone Insurance company. Great service with quick turn around times and responses. Great prices and very knowledgeable. Thanks Sonya and Fiona.
Sonya goes above and beyond for her clients. She’s a great asset to have on your team.
Your agent I talked to was very helpful and very kind over the phone and Responded to emails in a great timely manner ! Good work !
Everything
Very professional and helpful, great prices
It has always been a pleasure doing business. I have always been made to feel welcome and any questions that I’ve had over the years was always answered in a timely manner.
A great insurance company and very helpful I love.
Very professional, reliable and courteous
Sonya is always so helpful. She goes above and beyond to take care of all our insurance needs. I would highly recommend her and the whole Capstone team for all your insurance needs.
* Responded in a timely manner. * Erie is a company I am very familiar with. * Available policies that other companies could not offer
I appreciate your customer service & trying to please the client. It was genuine. You showed you cared about what I needed for my situation. Also the follow up, to get things completed. Thank you. SG
Sonya has been my agent for almost 2 years now. She has been very responsive to my businesses fluctuating needs. She has gotten me numerous policies and quotes to see which was best for my business. Sonya is always very personable and very detail oriented when it comes to working with our business. I have and will continue to refer Sonya Smith with Capstone Insurance Agency.
Honest and upfront. Good people all around!
Sonya not only listens to what I am asking for but also presents options to solve my inquiry that I have not even thought of.
I decided to price shop for car insurance and I found you through Dave Ramsey's ELP Program. I trust Dave, so I knew that was a great place to start. From the very beginning, you were so pleasant to speak too. I felt the extra care and attention. You were very thorough with your explanations and suggestions and really went the extra mile. I feel like I can trust you and the Agency which is extremely important to me. As I mentioned to you when we last spoke, I will be calling back to see what you can offer for my mother and I have already referred you to two friends. Thank you again Candy!
Sonya’s level of customer service and professionalism always exceeds expectations!!
Continued updates on policies and suggestions to help out our needs. Quick to handle situations that could seem complicated they simplify. Love em
Sonya, I was thankful with your immediate response to my business insurance needs. Also appreciated your professionalism.
Great to work with and make me feel like family
Any time we have a problem we can call and we know that whatever problem we have it is taken care of immediately!!
Sonya is the best ! She’s been taking care of our insurance needs for 20+ years. Always answers my questions and just the best customer service.
I got a great rate and my only responsibility is sending in my monthly payment.
You had better rates. Fiona was terrific--very easy to work with and provided all the info needed quickly. Employees like her are hard to find. Keep her and you will keep customers.
You are always very responsive to any of our questions
I always feel like a valued customer when I call with any questions or concerns. I always receive a quick and thorough reply. Professional and personal ...what more could you ask for?
My insurance needs were met immediately and also made available online. I would totally recommend this agency to anyone.
You helped insure our small business smoothly and without interruptions.
We had Allstate home & auto insurance for over 25 years. But changing from Allstate to Erie was painless. Candy provided excellant service and was so easy to work with. Thanks!
All around great experience. Fast service and at a great price.
Sonya - Your knowledge, professionalism, follow up, insights,advice and attention to details is truly appreciated. Thank you
When I request a certificate sent to builders you are very prompt.
We love that Sonya was very responsive and followed up on a regular basis. Renewing my insurance plan in February, with Sonya's attentive assistants of course :)
Sonya Smith is the best insurance agent ever!!! She's been mine 20+ years!!!
Saved me about 50% from what I was paying before. VERY FRIENDLY and helpful. Helped me through the whole changeover process with ease. Sent a handwritten thank you (pretty much unheard of today) and sent us our car insurance "packets" to keep in each car (even my husband was impressed, and that really says something!)
The initial phone call was painless and quick. Sonya was easy to work with.
friendly and available to answer any questions.
Helped us understand what was the right coverage for our vehicles.
I have everything I need in one place and Sonya has been so helpful.
FIONA!
Sonya you are always there to answer any of our questions or get us the answers. Thanks
Great customer services and very personalable
Great customer service
Always available if we need them.
ALWAYS READY AND WILLING TO HELP. I KNOW I'M TAKEN CARE OF AND NEVER HAVE TO WORRY.
Y’all handled sending my insurance info to my company so I wouldn’t have to and I greatly appreciate that. P.s my name is spelled Erik
Effective prompt professional and courteous service
Capstone Agency has always addressed my concerns in a timely manner and to my complete satisfaction.
All questions and concerns are answered promptly and with professionalism.
Very prompt in getting us with a great quote.
All the people at Capstone that I have dealt with are very friendly and professional. And the products offered are outstanding. You can’t go wrong with Capstone.
Sonya is awesome. She made everything easy and I'm 100% happy.
Y'all are always available with any questions that I have. Easy to contact.
Pleased with the service and follow up I received. Look forward to a good relationship with Capstone! Sincerely, Mark P Gillotte
Great competitive rates and the best customer service in the industry!
Sonya is the best. Always gets us what we need. Always answers all my questions.
Agent Sonya Smith was informative, and helpful. Good to deal with. Well recommended.
The price was good and the service was excellent. Love talking to a person not an individual that doesn’t know you
Sonya always helps us and is always very professional. She is very knowledgeable and eager to go above and beyond for us. I have recommended others to Sonya.
Being on top of things. Reminding me of the renewal and asking if there's anything that needs to be changed. First class service in that area
Sonya, you made us feel important and were patient even though we came in near closing. We saved a lot of money and now have everything bundled.
We always get prompt answers and professional service. Very satisfied, long term clients.
The customer service is great! And Sonya have always worked hard on finding the best qoutes for your needs!
Prices are comparable. Always there to answer your questions good customer service.
Always courteous and friendly while showing you the facts and coverage. Always willing to research nontraditional situations, talking to Erie, and coming up with common sense equitable solutions. I have been very pleased with Capstone which is a far cry from where I was at with the previous owner.
There is always great friendly customer service whenever I need them they are there. Sonya is the best, for me the best deal for the coverage I needed! Thanks Capstone!!!
Capstone has been handling our business and personal insurance for 16 years. I have been referring my family members, friends, and clients to them for years now for the their individual and business needs. I rarely do reviews, however I am continually impressed with their knowledge and professional courtesy. Sonya continually advises myself and my family with our insurance needs with skill and care.
Good Customer service!!!!
I love that they are always willing to help in any way they can. Just this week, Sonya retrieved a document I was not able to. Fiona emailed necessary forms I needed to cancel a policy. We have been with them for 35 years and they have always provided excellent customer service!
Lower prices than my car insurance offered
Responsive and personalized service
Great customer service. Sent me information to change my bank information for my bank draft
Your professionalism, courtesy, how all of the ladies are friendly and ready to assist me especially Sonya. I've been a customer since the early 2000's never regretted it. Even though the name has changed I'm expecting the same service I've gotten since being a customer.
I have had several issues with a new car, adding roadside etc. and questions regarding an accident. Each time my issues were resolved quickly and with no delays. I am more than happy with the service I have received. It is the best!
I call them all the time with questions. They are always ready and willing to help. I know I probably get on their nerves but you would never know it.
Customer service is on point! Thank you sincerely, William Osborne.
When I had an unfortunate accident, your agency made everything as easy for me as anyone could expect. You are always responsive when I have a question.
Customer service and prices
I’ve known Sonya and her fellow agents for years and they are always prompt and friendly Thanks
You categorized me correctly based on my needs and saved me money and time. You're always available and quick to handle any concerns. Simplicity. Thanks again
Went above and beyond to get me the lowest rate. Also very friendly and professional customer service.
Love working with Sonya Smith. She has been very helpful and she is extremely knowledgeable.
Sonya was very professional, explained my options, answered all my questions and took care of my insurance needs without me leaving the house. I had insurance through Erie up in Maryland and I was very pleased with both my encounters. Jernon was my go to person up there and she was awesome. It was a delight to find Sonya with the same knowledge and expertise. Thank you Sonya!
Always provided good details and answered all my questions.
Always willing to take calls. You get to talk with a real person.
We were very happy with the quotes we received for auto and home. Significantly less than our previous carrier. Thank you!!
I call them all the time. Always helpful and figure whatever it is out.
Prompt and affordable services
I appreciate the fact that someone answers the phone and has a polite and welcoming greeting to go along with it. This Capstone moves very fast to answer any questions or to send out COI's.
Convenient location, understood my insurance needs and provided cost effective solutions.
Sonya Smith happens to be our daughter. She has handled our insurance for many years. We hope for many more years with Capstone.
Everything!!! Going beyond and above!! It’s like breakfast in bed. I don’t have to do much at all!!!
First of all we love Sonya and Capstone is a wonderful company we really appreciate y'all
We were in a pinch to obtain affordable homeowners insurance quickly. Working with Sonya at Capstone, we were able to initiate our policy in no time. Additionally, Sonya clearly explained the benefits of the policy and was able to answer all questions in layman’s terms.
Excellent / Fast / Accurate information and service to change policy information.
Everything
When I call I always get a person and they respond to my needs quickly. Everyone is very friendly and enjoyable to work with.
Fantastic advisors and helpful quick responses. Friendly, courteous and knowledgeable. They do business the way we're supposed to. You tell them your situation and they give you a solution.
Sonya made the process a walk in the park, explaining each step of the process to my satisfaction! I will be recommending her to anyone with insurance needs!
Sonya is always very help and gets my questions answered quickly.
They have addressed every issue I brought to them quickly and efficiently. We have both auto and home insurance with Capstone and State Auto.
Sonya has always been available when we need her. Unfortunately, we had to submit a claim after an accident. They first asked if we were ok. Then the company took very good care of us and everything was handled on a timely basis. i highly recommend! Kimi Parker
Updating me on the best rates for my insurance for automobile and rental insurance..
Sonya is awesome!
Awesome customer service!
Your quick response and professionalism was greatly appreciated.
Been a customer for well over 20 years and couldn’t ask for better customer service. Sonya has always been the best to work with.
Always have my best interest when finding Ins that’s best for me. Customer service is awesome always.
Great Service
Always available for answers to my questions or any assistance needed
Sonya has helped me with everything I’ve ever needed. I currently have a motorcycle policy and a vehicle policy covering 4 vehicles. I also have a renters insurance policy with Sonya. Up until six months ago I had workers compensation and general liability insurance for my construction company but I changed my employment so I don’t need it now. Sonya is awesome. Come see her!!!!!
Your promptness and proactiveness in getting my insurance needs taken care of quickly.
I live on a small budget and love saving money any way I can. I appreciate the fact that a Capstone agent took the time to find me a lower rate.
It was a very easy and smooth transition to switch over to my new insurance.
Well I like capstone insurance they are very helpful all the staff are very professional
Friendly easy quick service !!! Prices were fabulous and cut my other insurance in half with better coverage
Great customer service!
Sonya listened intently to my problem and concerns allowing my mortgage company pick my home owners policy when I first brought my house 3 yrs ago. She then prepared a quote with more coverage saving me $450 per year less. Wish I had acted sooner I would have saved $1,350 total.
Sonya always goes the extra mile to get the insurance we need!! Always! Quick to respond too. She is so nice which is an added plus!
The service was great. Handled all questions professionally. Would recommend to all.
I absolutely love this company. I can have things taken care of immediately either by phone, email, or in person. They have the best rates around and will work diligently to get you the best coverage for the best price! Ashley Blanton
Great Customer Service
Very knowledgeable of every situation. Very nice and helpful. Speedy turn around of information and calling back.
So far so good! I am a happy customer. I have recommended your services to friends already!
We would absolutely recommend you and Capstone to anyone! You have went above and beyond for us , as well as my mom who recently switched over and saved us a lot of money.
Sonya is very responsive and thorough. She never fails to take care of us with recommendations tailored to all of our needs, and she's fast which is extremely helpful. I would personally refer everyone I know to her for insurance!
I have always received quick response on all my queries.
Absolutely love Sonya! She really knows what she’s doing and really knows how to deal with people! Too bad there can’t be more of her!
I insured my first car with this agency and that was over 50 years ago. I have insured numerous cars since and a house and even a business. They have always treated me with respect and are extremely helpful. I would highly recommend them for all of your insurance needs.
Sonya Smith is AMAZING. Responsive and her customer service is second to none. She gets back to me after hours and even on the weekends. I would recommend Capstone to anyone knowing that they will be in good hands with Sonya.
Sonya is great to work with and is always getting you the best deals! I have sent my whole family to her and numerous friends! Thanks for all you do and for always taking care of me!! You're the BEST!!!
Love Sonya!!!
Quick, professional, agents and staff that provided me with the insurance I needed and gave me a great rate. They are awesome!
FIONA.
We love Sonya smith!! She is always very helpful with everything that we have always needed! Sonya is the reason we have stayed with Erie insurance for so long.
Customer Service ON POINT every time I call or email. I always feel as like a valued customer and represented well .
Sonya Smith is very helpful in understanding the insurance you’re paying for at the best possible value.
Very helpful and professional and helped me get exactly what I needed. Thank you
Personal Friendly Service.
You are very responsive to inquiries and requests for COIs.
I have been dealing with Sonya for years and she has always taken good care of me and I am not a easy client.
I have had this Agency for years and never have I had to worry about anything, I know they have or will take care of my Insurance needs. Very nice and helpful bunch. :)
I can always depend on you all whenever it's a problem!
I have had Erie Insurance for both my home and my vehicles for over 20 years and my insurance agent has helped me with 2 claims over that period of time...and their assistance has been invaluable. I would recommend Capstone Agency to anyone looking for insurance.
Great service!
Very accommodating, on the ball and definitely looking out for the customer. Couldn't ask for better!
Candy, I love the way you treat your clients, like family. Keep up the good work. My brother told me he is going to insure his 87 BMW with you....
always helpful when I call, always looking for a better policy
Good communications and no nonsense interaction. Felt like they have your best interests at heart.
Sonya is always professional, helpful and knowledgeable. She cares about her clients and goes above and beyond to help.
I always get clear, concise answers to all my questions whenever I can speak with Sonya Erie Insurance has been very easy to work with on the few but, significant losses we have experienced. I would recommend this agency anytime..
Always there to answer questions without a hassle
When my husband had an accident I felt that Erie took care of us in every way.
I really like how willing the agents are willing to work with me to find the right coverage that I need. They helped me a lot when I moved to a new state and had to switch me insurance over. They made a process that I thought would be long and arduous into a quick and easy fix and I greatly appreciate it.
Customer Cares and Concerns
Sonya is a great asset to this company. She has always went above and beyond to explain to me what coverage would work best for us. Very professional and is always there if needed. I proudly recommend this company.
great relationship with Sonya! Always easy to get answers and help from her when needed!
You all are so nice !
prompt quotes great pricing great coverage. knowlegeable staff
Quick and responsive communication is of value to me and Candy does just that!
I have had to call with many questions that were all answered in a timely manner. Helped me save on insurance and checked for deeper discounts.
Your agency makes everything with insurance simple and easy.
Always responds quickly to message. Very pleasant and easy to work with.
I'm very satisfied with your service.
Great company to do business with.
Capstone has always provided me with great service! It’s the only place I have referred so many people and that’s because, Sonya will do anything to meet your needs and questions and has always been there for me which is why I have been with them for so long, Thankyou for everything !
I have had nothing but great service from Capstone Insurance Agency and my agent Sonya Smith, she is the best. Randy Kirby
I have been with Erie Insurance for many, many years and with Capstone Insurance Agency (formerly Lawing/Elvington Agency) for many years as well. I have had excellent service the whole time...the reason I have stayed with them all of these years. I wholeheartedly recommend them for your insurance needs.
Specialized Insurance Solutions
Capstone Insurance Agency, LLC offers comprehensive insurance solutions for personal and business.
About Capstone Insurance Agency, LLC
Capstone Insurance Agency, LLC has been in business for over 30 years. We are an independent insurance agency specializing in Home Insurance, Auto Insurance, Business Insurance, Trucking Insurance, Specialty Auto Insurance and Garage Repair Shop Insurance in Charlotte, NC, Gastonia, NC, Mt. Holly, NC, Huntersville, NC, Rock Hill, SC , Ft. Mill, SC and throughout all of North and South Carolina.
Because we’re independent, our priority is you—not the insurance company. We represent many different insurance companies which offer a wide variety of coverage options and price points. Our goal is to deliver the right blend of price, coverage and service.
We believe our clients’ financial security and quality of life deserve the utmost dedication and personal attention from a trusted partner. As that partner, we’ll help you make smart decisions—protecting you from the unexpected and planning for the predictable.
About Our AgencyInsurance Quote
There’s more to insurance than the price of the policy.
Explore our interactive graphics and learn about your unique risks and the related insurance solutions.
Personal InsuranceBusiness Insurance
Fire
Risk Factor
Most fires are devastating. Besides the emotional impact, the physical damage to your home can be significant. If you lost your home to fire, do you have adequate insurance to replace your home and its contents? Remember, inflation rates on building materials and construction costs rarely track with real estate values. As a result, rebuilding a home can often cost significantly more than expected.
Solution
Make sure your homeowners policy contains replacement cost coverage with no cap. This protects you if the cost to reconstruct your home is higher than your current limit of coverage. And, be sure that your insurance includes rebuilding your home to code. Very often, local ordinances and building codes change over time, which may require additional costs.
Personal Property / Contents - Property Damage
Risk Factor
When your home suffers damage due to an unexpected event, your personal property is also at risk. Furniture, appliances, clothing, electronics, and other personal items can also be damaged or destroyed.
Solution
Your homeowners insurance policy typically covers personal property, including the contents of your home and other personal items owned by you or family members who live with you. Make sure your homeowners policy includes replacement cost coverage for personal property so that you always receive the full cost to replace whatever item is damaged.
Additional Living Expense / Loss of Use
Risk Factor
When there is substantial damage to your home due to unexpected events such as lightning, fire, or a storm, you may not be able to live in your home until it can be repaired or rebuilt–potentially incurring additional living expenses for lodging, food, and other daily needs.
Solution
Ensure that your homeowners insurance policy provides additional living expense or loss of use coverage to compensate you for the additional costs you incur for reasonable housing and living expenses if a covered event makes your house temporarily uninhabitable while it's being repaired or rebuilt.
Valuable Possessions
Risk Factor
Typically, there is a sublimit on homeowner insurance policies for valuable possessions, such as jewelry, furs, fine arts, and other collectibles.
Solution
Obtain a personal floater or schedule your valuable possessions to ensure you’ll have the money to replace them.
Medical Expenses
Risk Factor
If a guest is injured while on your property, even when it’s due to a friendly game of baseball, you may be required to pay any medical expenses associated with their injury.
Solution
Your homeowners policy should include medical expenses coverage to take care of injuries and treatment - generally not of a serious nature. In the event a person is injured on your property and requires medical attention, you would be able to submit the injury-related medical expenses to your insurance carrier. Medical expenses are usually paid without a liability claim being filed against you.
Personal Liability
Risk Factor
In the unfortunate event that someone slips and falls while on your property, you and your family may be held liable for any injuries that result.
Solution
Your homeowners policy includes personal liability coverage to respond to incidents where injuries or damages occur to a third party where you may be deemed negligent. However, you should consider purchasing a personal umbrella or excess liability policy to provide additional coverage limits to protect your assets in case a lawsuit is brought against you.
Miscellaneous Coverage
Risk Factor
The fun that comes with having a trampoline in your backyard can also be accompanied by serious risks, which may not be covered under your standard homeowners insurance policy since coverage varies from state to state and between insurance companies.
Solution
You should make sure your homeowners insurance policy covers your trampoline, as many insurance providers refuse to take on trampoline liability and exclude the item from coverage.
Personal Injury / Defamation
Risk Factor
Young people are usually very active online. However, using social media and other sites can increase the possibility of them directly or indirectly damaging someone's reputation and exposing you, the parent, to a lawsuit.
Solution
Your homeowners insurance policy includes liability coverage for property damage caused by any member in the family, but likely does not cover rumors or statements that damage a reputation. You may need to seek additional coverage to include liability protection that covers personal injury or defamation.
Umbrella / Excess Liability Coverage
Risk Factor
You invite guests over for a pool party and one of your guests dives into the shallow end of the pool and is permanently injured. They hire a lawyer to represent them and after a long legal battle, you and your family are left financially responsible for their injuries. Do you have enough money in savings to cover your legal responsibilities as well as the legal defense costs?
Solution
An umbrella or excess liability policy increases your personal liability limits by adding protection over and above your current auto, boat, or homeowners policies-providing financial value and security. Excess liability insurance is available either by an endorsement to your homeowners policy or available as separate coverage.
Flood Coverage
Risk Factor
You do not have to live near a body of water to suffer loss due to flooding. With the changing weather patterns and more damaging storms occurring around the globe, flood losses are becoming more common in places that are not normally prone to flood damage. Your homeowners policy does not cover damage from flood. Could your home be at risk?
Solution
Purchase a flood insurance policy to protect your home and covered contents from certain types of flood losses as designated by the National Flood Insurance Program. A flood policy is purchased as a separate policy through the federal program (NFIP) or through a servicing carrier known as a write your own carrier.
Secondary Home
Risk Factor
Owning a secondary home has the potential of increasing your liability exposures.
Solution
Be certain that you extend the liability coverage under your homeowners policy to include your secondary home. You should also consider including the secondary home under an excess liability or umbrella policy to provide for additional liability limits.
Collector Cars
Risk Factor
Collector or classic vehicles often have significant value and require special documentation and unique insurance coverage to ensure they are adequately protected. Even if stored on your property, they are typically not covered under your homeowners insurance.
Solution
Insure your collector cars with a specialized insurance company that focuses on and understands the unique nature of collector or classic cars and other vehicles.
Wine Collection
Risk Factor
If you are a connoisseur of wine, you know that it is susceptible to outside environmental exposures that can ruin it. If the collection is damaged, coverage from your homeowners policy is a possible recourse. However, the damage is only insurable if it is a covered cause of loss as outlined in your homeowners policy. A deductible would also apply.
Solution
If you have a sizable wine collection, you may want to consider scheduling the collection on your homeowners policy. Doing so expands your coverage and eliminates the deductible in case of a loss. You can also consider unique coverages for wine, such as for spoilage.
Water Damage
Risk Factor
Whether entering from outside your home from a flood or from within your home’s plumbing system, water damage is the most common cause of loss to a home. Many policies exclude losses caused by backup of sewers and drains, and all unendorsed homeowner policies exclude damage caused by a flood.
Solution
Careful review is essential to protect your home and belongings from all sources of water damage. We recommend coverage solutions from insurance companies that include backup of sewers and drains. Also, identify cost efficient solutions to address the risk of flood damage in the first place.
Off-Premises Theft
Risk Factor
Surprisingly, standard auto insurance does not cover personal property or contents stolen from your car.
Solution
Most homeowners policies offer an option to include off-premises theft coverage as an endorsement, which covers you for theft of your personal property away from your residence.
