Premium Insurance That Protects What Matters Most

Penny Insurance Agency understands the unique nature of your home, lifestyle and collections, and will work with you to safeguard your assets. Our agency, backed by internationally-acclaimed insurance providers like Chubb, will tailor a suite of insurance products to offer you quality protection and outstanding service. No matter your stage of life, Penny Insurance Agency is your partner in peace of mind.

Penny Insurance Agency is proud to provide a variety of insurance plans to our valued clientele, such as:

High Value Homeowners

Private Fleet Auto



Personal Excess Liability

Private Aviation



Travelers Insurance

Risk Management

We’ve been with Penny for over 35 years for our home and business insurance needs.

We wouldn’t leave home without them!

Steve Johnson

A third generation, family owned business, Penny Insurance Agency has been serving the area since 1931. Our custom, personalized approach allows you to live life confidently.

Contact Penny Insurance Agency to tailor a plan that is right for you.

Hendersonville: 828-692-9171 | Tryon: 828-859-6700

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High-Value Homeowners

Customizable protection for exceptional residences

A home is not only one of your most valuable assets; it’s a special space to make memories with friends and family. Homes valued in excess of $750,000 are often considered high value and have unique needs that may not be covered under standard homeowners’ insurance. Contact us today to experience Penny Insurance’s concierge approach to developing a custom, comprehensive coverage plan.

Private Fleet Automobile

With our specialized plans, you’re in the driver’s seat

Penny Insurance offers a customizable comprehensive coverage plan for your personal fleet of vehicles, including vintage automobiles, motor homes, and motorcycles. Our ultimate goal is to protect both you and your assets in the event of an accident and protect the longevity of your automobiles.


One-of-kind insurance for your unique, high-value assets

Unique collectibles of high-value require specialized protection plans developed by the experts. With over 86 years of industry experience, Penny Insurance’s concierge approach to insurance will provide the proper coverage for your priceless assets. Our insurance experts can customize a plan that covers a wide range of items including:

  • Fine China and Crystal
  • Firearms
  • Furs
  • Sporting Equipment (golf clubs, skis, etc.)
  • Jewelry and Watches
  • Musical Instruments
  • Silverware
  • Wine Collections
  • Works of Art (paintings, rugs, rare books, sculptures)

There are many unlisted items that are important to you and that can qualify for proper coverage.

Personal Excess Liability

Reliable coverage when life can be anything but

You’ve worked hard for your assets and that’s why you deserve to enjoy the fruits of your labors without fear of losing them. Experience the ultimate peace of mind with Penny Insurance’s personal excess liability plans, unique to you and your needs. Personal Excess Liability Insurance, or Umbrella insurance, is a layer of Liability insurance that covers above and beyond your High Value Home and Private Fleet Automobile insurance plans, providing an extra layer of needed protection. After all, liability issues are everywhere and you never know what could result in a lawsuit. Connect with Penny Insurance today to establish your first line of defense.

Private Aviation

Look to the skies, with peace of mind

While private aviation provides you with maximum travel freedoms, it can also bring about numerous liability concerns. Let us develop a comprehensive coverage plan for your unique travel accommodations.


Premier services for smooth sailing

From jet skis to private yachts, Penny Insurance offers a comprehensive coverage plan for your unique watercrafts. Contact us today to begin your personalized policy experience.