Jones & Jones Insurance

What Jones & Jones Insurance does

Jones & Jones Insurance is an independent personal-lines insurance agency headquartered at 400 Tarboro Street W in Wilson, North Carolina. Operating for over 15 years, the agency sells a portfolio of personal insurance products—homeowners, auto (cars, trucks, ATVs, boats, classic cars, motorcycles, scooters, RVs, and trailers), life (whole, term, and variable), renters, flood, and fire and smoke damage coverage. As an independent agent, the firm represents multiple insurance carriers—principally National General and Dairyland, with Discovery Insurance as a secondary partner—enabling cross-carrier comparison on behalf of clients. There is no proprietary technology platform, no mobile application, and no disclosed digital infrastructure beyond a content website and a National General quoting integration.

The business operates on a commission-based revenue model, earning carrier commissions on new policy sales and renewals. The customer base is composed entirely of individual consumers and families in Wilson and the broader Eastern North Carolina region, with primary segments being homeowners/property owners and auto/vehicle owners, and secondary segments comprising life insurance buyers and renters. No enterprise or commercial accounts are disclosed, and no headcount or revenue figures appear in the source material.

Distribution combines direct agent sales—in-person at the Wilson office and by phone—with carrier partner referrals, with quote generation flowing through National General's quoting platform. The go-to-market is both sales-led and community-led: agents conduct one-on-one consultations, while the agency emphasizes local presence, community involvement, and hometown positioning to drive trust, referrals, and long-term customer relationships. Marketing activity is limited to the company website, direct phone contact, customer testimonials, and promotional placements on carrier partner sites.

Name

Jones & Jones Insurance

Legal name

Jones & Jones Insurance

Website

https://jonesandjonesinsurance.com

Company type

Private

Operating status

Operating

Short description

Jones & Jones Insurance is an independent insurance agency in Wilson, North Carolina, serving individual consumers and families across Eastern North Carolina with personal lines including home, auto, life, renters, and flood coverage through multiple carrier partnerships.

Ownership category

akta.pro rank

Product category

Personal Lines Insurance

NAICS

Agencies, Brokerages, and Other Insurance Related Activities (5242), Insurance Agencies and Brokerages (524210), Insurance Agencies and Brokerages (52421)

SIC

Insurance Agents, Brokers & Service (6411)

akta.pro primary industry

Homeowners Insurance (FSAJACAA)

Keywords

• Independent insurance agency
• Personal lines insurance
• Home and auto insurance
• Life insurance coverage
• Multiple carrier representation

Headquarters

HQ city

Wilson

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

Personnel, Operations, Marketing or Sales, Technology or R&D

Revenue model

1. Insurance Commissions: As an independent insurance agency, Jones & Jones earns commissions from insurance carriers (National General, Dairyland, Discovery Insurance) for policies sold and renewed. Revenue is generated through commissions on new policy sales and renewal commissions on existing policies.

Pricing tiers

Go-to-market motion2 records

Distribution channels2 records

Marketing channels4 records

Core offering

Jones & Jones Insurance is an independent insurance agency based in Wilson, North Carolina that sells personal insurance policies on behalf of multiple insurance carriers including National General, Dairyland, and Discovery Insurance. The agency offers auto, homeowners, and life insurance products (including whole, term, and variable life sub-products) along with renters, flood, and fire & smoke damage coverage. Agents work directly with individual clients to assess needs, compare carriers, and bind coverage, earning commissions from carriers on new and renewed policies.

Product overview

Jones & Jones Insurance is an independent insurance agency offering a portfolio of personal insurance products through multiple carrier partnerships. The core offerings center on three main product lines: Auto Insurance (covering cars, trucks, ATVs, boats, classic cars, motorcycles, scooters, RVs, and trailers), Homeowners Insurance (including renters, flood, and fire & smoke damage coverage), and Life Insurance (comprising Whole Life, Term Life, and Variable Life sub-products). The independent agency model allows them to represent multiple insurance companies, providing clients with a wide range of policy options and the ability to compare prices and coverage across carriers.

Differentiator

Problem solved

Functional benefit

Products and services

• Auto Insurance
• Homeowners Insurance
• Life Insurance
• Whole Life Insurance
• Term Life Insurance
• Variable Life Insurance
• Renters Insurance
• Flood Insurance
• Fire & Smoke Damage Insurance

Named customers2 records

Segments4 records

Ideal customer profiles4 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

Three partnerships are on record, tiered core and minor.

• National GeneralcoreChannel Partner/ Reseller/ DistributorInsurance carrier partner. Jones & Jones is appointed as an agent to sell National General insurance products. Website includes direct links to National General for policy management, payments, and quote requests through their quoting platform (agentId=171408).
• DairylandcoreChannel Partner/ Reseller/ DistributorInsurance carrier partner specializing in auto insurance. Jones & Jones offers Dairyland products on their website with links to dairylandinsurance.com for quotes and policy information. Featured in digital advertising.
• Discovery InsuranceminorChannel Partner/ Reseller/ DistributorInsurance carrier partner. Jones & Jones Insurance website links to Discovery Insurance for policy information and services.

Scale indicators2 records

Recent moves5 records

Expansion highlights3 records

Regional players

• Frankenmuth Insurance: Regional mutual insurer distributing exclusively through independent agents in the Midwest and Southeast, including North Carolina. Closely comparable operating model — independent agency channel — and overlapping personal lines product mix (home, auto, specialty vehicles).
• Erie Insurance: Regional personal lines insurer built on an exclusive independent agent model focused on the Mid-Atlantic and Southeast U.S. Highly comparable operating model (independent agents selling home, auto, life) and overlapping East Coast geography; competes for the same household insurance buyer.
• Auto-Owners Insurance: Mid-sized P&C insurer distributing exclusively through independent agents, with strong concentration in the Southeast and Midwest. Closely comparable to Jones & Jones on go-to-market (independent agency channel), product mix (home, auto, life), and target customer (individuals and families).

Broad incumbents

• GEICO: Large direct-to-consumer auto insurer that bypasses agents entirely. Comparable only on the auto coverage product line, but represents the primary price-based competitive threat to Jones & Jones’s auto book in Wilson, NC.
• Liberty Mutual: National P&C insurer selling personal lines through both direct and independent agent channels. Overlaps with Jones & Jones on home, auto, and umbrella coverage and on the independent agency distribution model for some segments.
• Allstate: National personal lines insurer offering home, auto, and life insurance through a mix of captive and some independent agency distribution. Directly comparable product lines to Jones & Jones, and a primary competitor for personal lines household coverage in regional markets.
• State Farm: Largest U.S. personal lines insurer with a captive agent force selling home, auto, and life insurance directly to consumers. Comparable to Jones & Jones on product portfolio (home, auto, life) but competes via owned-agent distribution rather than independent-carrier representation, posing the most direct local competitive threat.
• Nationwide: Large national mutual insurer offering home, auto, and life through both captive and independent agents, with significant presence in North Carolina. Overlapping product portfolio and channel make it a comparable benchmark for an independent agency competing for the same household insurance buyer.
• Progressive: Major national P&C insurer selling auto (and increasingly home) primarily direct-to-consumer but also through independent agents. Competes with Jones & Jones for the same personal lines customer and pressures agency commissions on the auto book.

Emerging players

• Lemonade: Digital-first insurtech selling renters, homeowners, and (via partnerships) auto coverage directly to consumers via mobile app. Represents the long-term structural threat to traditional independent agencies like Jones & Jones by capturing younger, digital-native buyers who may bypass local agents entirely.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat4 records

Key risks5 records

Key highlights5 records

Customer concentration

Revenue estimate

Valuation estimate

Number of profiles

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Jones & Jones Insurance