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185</head><body><!--$--><div class="flex min-h-screen flex-col"><div class="bg-gold text-gold-foreground"><div class="mx-auto flex max-w-6xl flex-wrap items-center justify-center gap-x-3 gap-y-1 px-4 py-2 text-center text-sm"><svg xmlns="http://www.w3.org/2000/svg" width="24" height="24" viewBox="0 0 24 24" fill="none" stroke="currentColor" stroke-width="2" stroke-linecap="round" stroke-linejoin="round" class="lucide lucide-calendar-clock h-4 w-4 shrink-0" aria-hidden="true"><path d="M16 14v2.2l1.6 1"></path><path d="M16 2v4"></path><path d="M21 7.5V6a2 2 0 0 0-2-2H5a2 2 0 0 0-2 2v14a2 2 0 0 0 2 2h3.5"></path><path d="M3 10h5"></path><path d="M8 2v4"></path><circle cx="16" cy="16" r="6"></circle></svg><span class="font-semibold">2027 Medicare plans are out — Open Enrollment starts Oct 15. Book your free plan review.</span><a class="font-bold underline underline-offset-2" href="/medicare#medicare-review">Reserve a spot →</a></div></div><header class="sticky top-0 z-50 border-b border-border bg-background/95 backdrop-blur"><div class="mx-auto flex h-16 max-w-6xl items-center justify-between px-4"><a class="flex flex-col leading-tight" href="/"><span class="font-display text-lg font-bold text-primary">Capital Insurance Agency</span><span class="text-[11px] uppercase tracking-widest text-muted-foreground">Charlotte, NC · Since 1996</span></a><nav class="hidden items-center gap-6 lg:flex"><a class="text-sm font-medium text-foreground/80 transition-colors hover:text-primary" href="/commercial-insurance">Commercial</a><a class="text-sm font-medium text-foreground/80 transition-colors hover:text-primary" href="/renters-insurance">Renters</a><a class="text-sm font-medium text-foreground/80 transition-colors hover:text-primary" href="/home-auto-insurance">Home &amp; Auto</a><a class="text-sm font-medium text-foreground/80 transition-colors hover:text-primary" href="/flood-insurance">Flood</a><a class="text-sm font-medium text-foreground/80 transition-colors hover:text-primary" href="/health-insurance">Health</a><a class="text-sm font-medium text-foreground/80 transition-colors hover:text-primary" href="/medicare">Medicare</a><a class="text-sm font-medium text-foreground/80 transition-colors hover:text-primary" href="/insurance/ballantyne">Ballantyne</a><a class="text-sm font-medium text-foreground/80 transition-colors hover:text-primary" href="/about">About</a><a class="text-sm font-medium text-foreground/80 transition-colors hover:text-primary text-sm font-semibold text-primary" href="/contact" data-status="active" aria-current="page">Contact</a><a href="https://anthonythefloodguy.com" target="_blank" rel="noopener noreferrer" class="inline-flex items-center gap-1 text-sm font-medium text-foreground/80 transition-colors hover:text-primary">Annuities<!-- --> <svg xmlns="http://www.w3.org/2000/svg" width="24" height="24" viewBox="0 0 24 24" fill="none" stroke="currentColor" stroke-width="2" stroke-linecap="round" stroke-linejoin="round" class="lucide lucide-external-link h-3 w-3" aria-hidden="true"><path d="M15 3h6v6"></path><path d="M10 14 21 3"></path><path d="M18 13v6a2 2 0 0 1-2 2H5a2 2 0 0 1-2-2V8a2 2 0 0 1 2-2h6"></path></svg></a><a href="tel:+17045457000" class="flex items-center gap-1.5 text-sm font-semibold text-primary hover:text-gold"><svg xmlns="http://www.w3.org/2000/svg" width="24" height="24" viewBox="0 0 24 24" fill="none" stroke="currentColor" stroke-width="2" stroke-linecap="round" stroke-linejoin="round" class="lucide lucide-phone h-4 w-4" aria-hidden="true"><path d="M13.832 16.568a1 1 0 0 0 1.213-.303l.355-.465A2 2 0 0 1 17 15h3a2 2 0 0 1 2 2v3a2 2 0 0 1-2 2A18 18 0 0 1 2 4a2 2 0 0 1 2-2h3a2 2 0 0 1 2 2v3a2 2 0 0 1-.8 1.6l-.468.351a1 1 0 0 0-.292 1.233 14 14 0 0 0 6.392 6.384"></path></svg>704-545-7000</a><a href="https://www.facebook.com/profile.php?id=100067510369920" target="_blank" rel="noopener noreferrer" aria-label="Capital Insurance Agency on Facebook" class="text-foreground/70 transition-colors hover:text-primary"><svg role="img" viewBox="0 0 24 24" width="20" height="20" fill="currentColor" class="inline-block" aria-hidden="true"><path d="M24 12.073c0-6.627-5.373-12-12-12s-12 5.373-12 12c0 5.99 4.388 10.954 10.125 11.854v-8.385H7.078v-3.47h3.047V9.43c0-3.007 1.792-4.669 4.533-4.669 1.312 0 2.686.235 2.686.235v2.953H15.83c-1.491 0-1.956.925-1.956 1.874v2.25h3.328l-.532 3.47h-2.796v8.385C19.612 23.027 24 18.062 24 12.073z"></path></svg></a><a href="https://www.instagram.com/capital_ins/" target="_blank" rel="noopener noreferrer" aria-label="Capital Insurance Agency on Instagram" class="text-foreground
185/70 transition-colors hover:text-primary"><svg role="img" viewBox="0 0 24 24" width="20" height="20" fill="currentColor" class="inline-block" aria-hidden="true"><path d="M12 2.163c3.204 0 3.584.012 4.85.07 3.252.148 4.771 1.691 4.919 4.919.058 1.265.069 1.645.069 4.849 0 3.205-.012 3.584-.069 4.849-.149 3.225-1.664 4.771-4.919 4.919-1.266.058-1.644.07-4.85.07-3.204 0-3.584-.012-4.849-.07-3.26-.149-4.771-1.699-4.919-4.92-.058-1.265-.07-1.644-.07-4.849 0-3.204.013-3.583.07-4.849.149-3.227 1.664-4.771 4.919-4.919 1.266-.057 1.645-.069 4.849-.069zM12 0C8.741 0 8.333.014 7.053.072 2.695.272.273 2.69.073 7.052.014 8.333 0 8.741 0 12c0 3.259.014 3.668.072 4.948.2 4.358 2.618 6.78 6.98 6.98C8.333 23.986 8.741 24 12 24c3.259 0 3.668-.014 4.948-.072 4.354-.2 6.782-2.618 6.979-6.98.059-1.28.073-1.689.073-4.948 0-3.259-.014-3.667-.072-4.947-.196-4.354-2.617-6.78-6.979-6.98C15.668.014 15.259 0 12 0zm0 5.838a6.162 6.162 0 100 12.324 6.162 6.162 0 000-12.324zM12 16a4 4 0 110-8 4 4 0 010 8zm6.406-11.845a1.44 1.44 0 100 2.881 1.44 1.44 0 000-2.881z"></path></svg></a><a class="rounded-md bg-gold px-4 py-2 text-sm font-semibold text-gold-foreground transition-opacity hover:opacity-90 active" href="/contact" data-status="active" aria-current="page">Get a Quote</a></nav><button class="lg:hidden" aria-label="Open menu"><svg xmlns="http://www.w3.org/2000/svg" width="24" height="24" viewBox="0 0 24 24" fill="none" stroke="currentColor" stroke-width="2" stroke-linecap="round" stroke-linejoin="round" class="lucide lucide-menu h-6 w-6" aria-hidden="true"><path d="M4 5h16"></path><path d="M4 12h16"></path><path d="M4 19h16"></path></svg></button></div></header><div class="border-b border-border bg-secondary"><div class="mx-auto flex max-w-6xl flex-wrap items-center justify-center gap-x-8 gap-y-3 px-4 py-3 text-xs font-semibold uppercase tracking-wider text-primary/80 md:text-sm"><span class="inline-flex items-center gap-2"><svg xmlns="http://www.w3.org/2000/svg" width="24" height="24" viewBox="0 0 24 24" fill="none" stroke="currentColor" stroke-width="2" stroke-linecap="round" stroke-linejoin="round" class="lucide lucide-shield-check h-4 w-4 text-gold" aria-hidden="true"><path d="M20 13c0 5-3.5 7.5-7.66 8.95a1 1 0 0 1-.67-.01C7.5 20.5 4 18 4 13V6a1 1 0 0 1 1-1c2 0 4.5-1.2 6.24-2.72a1.17 1.17 0 0 1 1.52 0C14.51 3.81 17 5 19 5a1 1 0 0 1 1 1z"></path><path d="m9 12 2 2 4-4"></path></svg>Since 1996</span><span class="inline-flex items-center gap-2"><svg xmlns="http://www.w3.org/2000/svg" width="24" height="24" viewBox="0 0 24 24" fill="none" stroke="currentColor" stroke-width="2" stroke-linecap="round" stroke-linejoin="round" class="lucide lucide-map-pin h-4 w-4 text-gold" aria-hidden="true"><path d="M20 10c0 4.993-5.539 10.193-7.399 11.799a1 1 0 0 1-1.202 0C9.539 20.193 4 14.993 4 10a8 8 0 0 1 16 0"></path><circle cx="12" cy="10" r="3"></circle></svg>Licensed NC &amp; SC</span><span class="inline-flex items-center gap-2"><svg xmlns="http://www.w3.org/2000/svg" width="24" height="24" viewBox="0 0 24 24" fill="none" stroke="currentColor" stroke-width="2" stroke-linecap="round" stroke-linejoin="round" class="lucide lucide-award h-4 w-4 text-gold" aria-hidden="true"><path d="m15.477 12.89 1.515 8.526a.5.5 0 0 1-.81.47l-3.58-2.687a1 1 0 0 0-1.197 0l-3.586 2.686a.5.5 0 0 1-.81-.469l1.514-8.526"></path><circle cx="12" cy="8" r="6"></circle></svg>BCBSNC Hall of Fame</span><span class="inline-flex items-center gap-2"><svg xmlns="http://www.w3.org/2000/svg" width="24" height="24" viewBox="0 0 24 24" fill="none" stroke="currentColor" stroke-width="2" stroke-linecap="round" stroke-linejoin="round" class="lucide lucide-phone-call h-4 w-4 text-gold" aria-hidden="true"><path d="M13 2a9 9 0 0 1 9 9"></path><path d="M13 6a5 5 0 0 1 5 5"></path><path d="M13.832 16.568a1 1 0 0 0 1.213-.303l.355-.465A2 2 0 0 1 17 15h3a2 2 0 0 1 2 2v3a2 2 0 0 1-2 2A18 18 0 0 1 2 4a2 2 0 0 1 2-2h3a2 2 0 0 1 2 2v3a2 2 0 0 1-.8 1.6l-.468.351a1 1 0 0 0-.292 1.233 14 14 0 0 0 6.392 6.384"></path></svg>Real person answers</span></div></div><main class="flex-1 pb-14 lg:pb-0"><section class="bg-gradient-navy text-navy-foreground"><div class="mx-auto max-w-6xl px-4 py-16 md:py-20"><p class="text-xs font-semibold uppercase tracking-[0.2em] text-gold">Contact · Charlotte, NC</p><h1 class="mt-3 max-w-3xl text-3xl font-bold leading-tight md:text-5xl">Tell us a little about your situation.</h1><p class="mt-5 max-w-2xl text-base leading-relaxed text-navy-foreground
185/80 md:text-lg">Whether you know exactly what you need or you&#x27;re trying to make sense of a mailer that showed up yesterday — Tony or someone on the team will get back to you the same day.</p></div></section><section class="mx-auto max-w-6xl px-4 py-16"><div class="grid gap-12 lg:grid-cols-5"><div class="lg:col-span-3"><form class="space-y-5"><div class="grid gap-5 sm:grid-cols-2"><div><label for="name" class="mb-1.5 block text-sm font-semibold">Your name</label><input id="name" required="" class="w-full rounded-md border border-input bg-card px-3 py-2.5 text-sm outline-none focus:ring-2 focus:ring-ring" value=""/></div><div><label for="email" class="mb-1.5 block text-sm font-semibold">Email</label><input id="email" type="email" required="" class="w-full rounded-md border border-input bg-card px-3 py-2.5 text-sm outline-none focus:ring-2 focus:ring-ring" value=""/></div></div><div><label for="type" class="mb-1.5 block text-sm font-semibold">What can we help with?</label><select id="type" required="" class="w-full rounded-md border border-input bg-card px-3 py-2.5 text-sm outline-none focus:ring-2 focus:ring-ring"><option value="" selected="">Select one…</option><option>Renters Insurance</option><option>Home Insurance</option><option>Auto Insurance</option><option>Flood Insurance</option><option>Health Insurance</option><option>Medicare</option><option>Annuities / Retirement Income</option><option>Not sure yet</option></select></div><div><label for="message" class="mb-1.5 block text-sm font-semibold">Tell us your situation</label><textarea id="message" rows="5" required="" placeholder="e.g. &#x27;Signing a lease in NoDa, landlord needs proof by Friday&#x27; or &#x27;Turning 65 in November, not sure Supplement vs Advantage&#x27;" class="w-full rounded-md border border-input bg-card px-3 py-2.5 text-sm outline-none focus:ring-2 focus:ring-ring"></textarea></div><button type="submit" class="rounded-md bg-gold px-6 py-3 text-sm font-semibold text-gold-foreground transition-opacity hover:opacity-90">Send to Tony&#x27;s team</button><p class="text-xs text-muted-foreground">This opens your email app with the request pre-filled to [email protected]. A real person on Tony&#x27;s team replies — usually the same day.</p></form></div><div class="space-y-6 lg:col-span-2"><div class="rounded-lg border border-border bg-card p-6 shadow-card"><svg xmlns="http://www.w3.org/2000/svg" width="24" height="24" viewBox="0 0 24 24" fill="none" stroke="currentColor" stroke-width="2" stroke-linecap="round" stroke-linejoin="round" class="lucide lucide-phone h-6 w-6 text-gold" aria-hidden="true"><path d="M13.832 16.568a1 1 0 0 0 1.213-.303l.355-.465A2 2 0 0 1 17 15h3a2 2 0 0 1 2 2v3a2 2 0 0 1-2 2A18 18 0 0 1 2 4a2 2 0 0 1 2-2h3a2 2 0 0 1 2 2v3a2 2 0 0 1-.8 1.6l-.468.351a1 1 0 0 0-.292 1.233 14 14 0 0 0 6.392 6.384"></path></svg><h2 class="mt-3 font-bold text-primary">Call Tony&#x27;s office</h2><a href="tel:+17045457000" class="mt-1 block text-lg font-semibold text-primary hover:text-gold">704-545-7000</a><p class="mt-1 text-xs text-muted-foreground">Mon–Fri, 9am–5pm ET</p></div><div class="rounded-lg border border-border bg-card p-6 shadow-card"><svg xmlns="http://www.w3.org/2000/svg" width="24" height="24" viewBox="0 0 24 24" fill="none" stroke="currentColor" stroke-width="2" stroke-linecap="round" stroke-linejoin="round" class="lucide lucide-message-square h-6 w-6 text-gold" aria-hidden="true"><path d="M22 17a2 2 0 0 1-2 2H6.828a2 2 0 0 0-1.414.586l-2.202 2.202A.71.71 0 0 1 2 21.286V5a2 2 0 0 1 2-2h16a2 2 0 0 1 2 2z"></path></svg><h2 class="mt-3 font-bold text-primary">Text us</h2><a href="sms:+19802022859" class="mt-1 block text-lg font-semibold text-primary hover:text-gold">(980) 202-2859</a><p class="mt-1 text-xs text-muted-foreground">Send a quick question — great for landlord certificate requests.</p></div><div class="rounded-lg border border-border bg-card p-6 shadow-card"><svg xmlns="http://www.w3.org/2000/svg" width="24" height="24" viewBox="0 0 24 24" fill="none" stroke="currentColor" stroke-width="2" stroke-linecap="round" stroke-linejoin="round" class="lucide lucide-mail h-6 w-6 text-gold" aria-hidden="true"><path d="m22 7-8.991 5.727a2 2 0 0 1-2.009 0L2 7"></path><rect x="2" y="4" width="20" height="16" rx="2"></rect></svg><h2 class="mt-3 font-bold text-primary">Email Tony directly</h2><a href="mailto:[email protected]" class="mt-1 block text-sm text-muted-foreground hover:text-primary">[email protected]</a></div><div class="rounded-lg border border-border bg-card p-6 shadow-card"><svg xmlns="http://www.w3.org/2000/svg" width="24" height="24" viewBox="0 0 24 24" fill="none" stroke="currentColor" stroke-width="2" stroke-linecap="round" stroke-linejoin="round" class="lucide lucide-map-pin h-6 w-6 text-gold" aria-hidden="true"><path d="M20 10c0 4.993-5.539 10.193-7.399 11.799a1 1 0 0 1-1.202 0C9.539 20.193 4 14.993 4 10a8 8 0 0 1 16 0"></path><circle cx="12" cy="10" r="3"></circle></svg><h2 class="mt-3 font-bold text-primary">Office</h2><address class="mt-1 text-sm not-italic text-muted-foreground"><a href="https://www.google.com/maps/search/?api=1&amp;
185query=1811%20Sardis%20Rd%20N%2C%20Ste%20207%2C%20Charlotte%2C%20NC%2028270" target="_blank" rel="noopener noreferrer" class="font-semibold text-primary hover:text-gold">1811 Sardis Rd N, Ste 207<br/>Charlotte<!-- -->, <!-- -->NC<!-- --> <!-- -->28270</a><span class="mt-2 block text-xs">Serving the greater Charlotte metro, all of North Carolina, and South Carolina. Renters coverage available in every state.</span></address></div><div class="rounded-lg border border-border bg-card p-6 shadow-card"><div class="flex items-center gap-3"><svg role="img" viewBox="0 0 24 24" width="24" height="24" fill="currentColor" class="inline-block text-gold" aria-hidden="true"><path d="M24 12.073c0-6.627-5.373-12-12-12s-12 5.373-12 12c0 5.99 4.388 10.954 10.125 11.854v-8.385H7.078v-3.47h3.047V9.43c0-3.007 1.792-4.669 4.533-4.669 1.312 0 2.686.235 2.686.235v2.953H15.83c-1.491 0-1.956.925-1.956 1.874v2.25h3.328l-.532 3.47h-2.796v8.385C19.612 23.027 24 18.062 24 12.073z"></path></svg><svg role="img" viewBox="0 0 24 24" width="24" height="24" fill="currentColor" class="inline-block text-gold" aria-hidden="true"><path d="M12 2.163c3.204 0 3.584.012 4.85.07 3.252.148 4.771 1.691 4.919 4.919.058 1.265.069 1.645.069 4.849 0 3.205-.012 3.584-.069 4.849-.149 3.225-1.664 4.771-4.919 4.919-1.266.058-1.644.07-4.85.07-3.204 0-3.584-.012-4.849-.07-3.26-.149-4.771-1.699-4.919-4.92-.058-1.265-.07-1.644-.07-4.849 0-3.204.013-3.583.07-4.849.149-3.227 1.664-4.771 4.919-4.919 1.266-.057 1.645-.069 4.849-.069zM12 0C8.741 0 8.333.014 7.053.072 2.695.272.273 2.69.073 7.052.014 8.333 0 8.741 0 12c0 3.259.014 3.668.072 4.948.2 4.358 2.618 6.78 6.98 6.98C8.333 23.986 8.741 24 12 24c3.259 0 3.668-.014 4.948-.072 4.354-.2 6.782-2.618 6.979-6.98.059-1.28.073-1.689.073-4.948 0-3.259-.014-3.667-.072-4.947-.196-4.354-2.617-6.78-6.979-6.98C15.668.014 15.259 0 12 0zm0 5.838a6.162 6.162 0 100 12.324 6.162 6.162 0 000-12.324zM12 16a4 4 0 110-8 4 4 0 010 8zm6.406-11.845a1.44 1.44 0 100 2.881 1.44 1.44 0 000-2.881z"></path></svg></div><h2 class="mt-3 font-bold text-primary">Follow us</h2><p class="mt-1 text-sm text-muted-foreground">Updates, tips, and a look behind the scenes at a local Charlotte agency.</p><div class="mt-3 flex flex-col gap-2 text-sm"><a href="https://www.facebook.com/profile.php?id=100067510369920" target="_blank" rel="noopener noreferrer" class="inline-flex items-center gap-2 font-semibold text-primary hover:text-gold"><svg role="img" viewBox="0 0 24 24" width="18" height="18" fill="currentColor" class="inline-block" aria-hidden="true"><path d="M24 12.073c0-6.627-5.373-12-12-12s-12 5.373-12 12c0 5.99 4.388 10.954 10.125 11.854v-8.385H7.078v-3.47h3.047V9.43c0-3.007 1.792-4.669 4.533-4.669 1.312 0 2.686.235 2.686.235v2.953H15.83c-1.491 0-1.956.925-1.956 1.874v2.25h3.328l-.532 3.47h-2.796v8.385C19.612 23.027 24 18.062 24 12.073z"></path></svg> Facebook</a><a href="https://www.instagram.com/capital_ins/" target="_blank" rel="noopener noreferrer" class="inline-flex items-center gap-2 font-semibold text-primary hover:text-gold"><svg role="img" viewBox="0 0 24 24" width="18" height="18" fill="currentColor" class="inline-block" aria-hidden="true"><path d="M12 2.163c3.204 0 3.584.012 4.85.07 3.252.148 4.771 1.691 4.919 4.919.058 1.265.069 1.645.069 4.849 0 3.205-.012 3.584-.069 4.849-.149 3.225-1.664 4.771-4.919 4.919-1.266.058-1.644.07-4.85.07-3.204 0-3.584-.012-4.849-.07-3.26-.149-4.771-1.699-4.919-4.92-.058-1.265-.07-1.644-.07-4.849 0-3.204.013-3.583.07-4.849.149-3.227 1.664-4.771 4.919-4.919 1.266-.057 1.645-.069 4.849-.069zM12 0C8.741 0 8.333.014 7.053.072 2.695.272.273 2.69.073 7.052.014 8.333 0 8.741 0 12c0 3.259.014 3.668.072 4.948.2 4.358 2.618 6.78 6.98 6.98C8.333 23.986 8.741 24 12 24c3.259 0 3.668-.014 4.948-.072 4.354-.2 6.782-2.618 6.979-6.98.059-1.28.073-1.689.073-4.948 0-3.259-.014-3.667-.072-4.947-.196-4.354-2.617-6.78-6.979-6.98C15.668.014 15.259 0 12 0zm0 5.838a6.162 6.162 0 100 12.324 6.162 6.162 0 000-12.324zM12 16a4 4 0 110-8 4 4 0 010 8zm6.406-11.845a1.44 1.44 0 100 2.881 1.44 1.44 0 000-2.881z"></path></svg> Instagram</a></div></div><div class="rounded-lg border border-border bg-card p-6 shadow-card"><svg xmlns="http://www.w3.org/2000/svg" width="24" height="24" viewBox="0 0 24 24" fill="none" stroke="currentColor" stroke-width="2" stroke-linecap="round" stroke-linejoin="round" class="lucide lucide-external-link h-6 w-6 text-gold" aria-hidden="true"><path d="M15 3h6v6"></path><path d="M10 14 21 3"></path><path d="M18 13v6a2 2 0 0 1-2 2H5a2 2 0 0 1-2-2V8a2 2 0 0 1 2-2h6"></path></svg><h2 class="mt-3 font-bold text-primary">Annuities &amp; retirement income</h2><p class="mt-1 text-sm text-muted-foreground">Looking for guaranteed income in retirement? Tony specializes in annuities at anthonythefloodguy.com.</p><a href="https://anthonythefloodguy.com" target="_blank" rel="noopener noreferrer" class="mt-3 inline-flex items-center gap-1 text-sm font-semibold text-primary hover:text-gold">Visit Annuities site <svg xmlns="http://www.w3.org/2000/svg" width="24" height="24" viewBox="0 0 24 24" fill="none" stroke="currentColor" stroke-width="2" stroke-linecap="round" stroke-linejoin="round" class="lucide lucide-external-link h-3.5 w-3.5" aria-hidden="true"><path d="M15 3h6v6"></path><path d="M10 14 21 3"></path><path d="M18 13v6a2 2 0 0 1-2 2H5a2 2 0 0 1-2-2V8a2 2 0 0 1 2-2h6"></path></svg></a></div><div class="rounded-lg border border-border bg-card p-6 shadow-card"><svg xmlns="http://www.w3.org/2000/svg" width="24" height="24" viewBox="0 0 24 24" fill="none" stroke="currentColor" stroke-width="2" stroke-linecap="round" stroke-linejoin="round" class="lucide lucide-clock h-6 w-6 text-gold" aria-hidden="true"><circle cx="12" cy="12" r="10"></circle><path d="M12 6v6l4 2"></path></svg><h2 class="mt-3 font-bold text-primary">House calls, still</h2><p class="mt-1 text-sm text-muted-foreground">Some conversations are easier in person. We&#x27;ll come to you when it helps — a kitchen table beats a phone tree.</p></div></div></div></section></main><footer class="bg-navy text-navy-foreground"><div class="mx-auto grid max-w-6xl gap-10 px-4 py-14 md:grid-cols-4"><div><p class="font-display text-lg font-bold">Capital Insurance Agency</p><p class="mt-3 max-w-xs text-sm leading-relaxed text-navy-foreground
185/70">A full-service, licensed life, health, property &amp; casualty insurance agency serving the Charlotte metro area and the Carolinas since 1996.</p></div><div><p class="text-xs font-semibold uppercase tracking-widest text-navy-foreground/60">Coverage</p><ul class="mt-3 space-y-2 text-sm"><li><a class="hover:text-gold" href="/commercial-insurance">Commercial Insurance</a></li><li><a class="hover:text-gold" href="/renters-insurance">Renters Insurance</a></li><li><a class="hover:text-gold" href="/home-auto-insurance">Home &amp; Auto Insurance</a></li><li><a class="hover:text-gold" href="/flood-insurance">Flood Insurance</a></li><li><a class="hover:text-gold" href="/health-insurance">Health Insurance</a></li><li><a class="hover:text-gold" href="/medicare">Medicare</a></li><li><a href="https://anthonythefloodguy.com" target="_blank" rel="noopener noreferrer" class="inline-flex items-center gap-1 hover:text-gold">Annuities <svg xmlns="http://www.w3.org/2000/svg" width="24" height="24" viewBox="0 0 24 24" fill="none" stroke="currentColor" stroke-width="2" stroke-linecap="round" stroke-linejoin="round" class="lucide lucide-external-link h-3 w-3" aria-hidden="true"><path d="M15 3h6v6"></path><path d="M10 14 21 3"></path><path d="M18 13v6a2 2 0 0 1-2 2H5a2 2 0 0 1-2-2V8a2 2 0 0 1 2-2h6"></path></svg></a></li></ul></div><div><p class="text-xs font-semibold uppercase tracking-widest text-navy-foreground/60">Neighborhoods</p><ul class="mt-3 space-y-2 text-sm"><li><a class="hover:text-gold" href="/insurance/charlotte">Charlotte<!-- -->, <!-- -->NC</a></li><li><a class="hover:text-gold" href="/insurance/matthews">Matthews<!-- -->, <!-- -->NC</a></li><li><a class="hover:text-gold" href="/insurance/ballantyne">Ballantyne<!-- -->, <!-- -->NC</a></li></ul></div><div><p class="text-xs font-semibold uppercase tracking-widest text-navy-foreground/60">Get in Touch</p><ul class="mt-3 space-y-2 text-sm"><li><a href="tel:+17045457000" class="font-semibold hover:text-gold">704-545-7000</a> · <a href="sms:+19802022859" class="hover:text-gold">text <!-- -->(980) 202-2859</a></li><li><a href="mailto:[email protected]" class="hover:text-gold">[email protected]</a></li><li class="text-navy-foreground/70">1811 Sardis Rd N, Ste 207<br/>Charlotte<!-- -->, <!-- -->NC<!-- --> <!-- -->28270</li><li><a class="hover:text-gold active" href="/contact" data-status="active" aria-current="page">Request a Quote</a></li><li><a class="hover:text-gold" href="/about">About Us</a></li><li class="pt-2"><a href="https://www.facebook.com/profile.php?id=100067510369920" target="_blank" rel="noopener noreferrer" aria-label="Capital Insurance Agency on Facebook" class="mr-3 inline-flex items-center gap-1.5 hover:text-gold"><svg role="img" viewBox="0 0 24 24" width="18" height="18" fill="currentColor" class="inline-block" aria-hidden="true"><path d="M24 12.073c0-6.627-5.373-12-12-12s-12 5.373-12 12c0 5.99 4.388 10.954 10.125 11.854v-8.385H7.078v-3.47h3.047V9.43c0-3.007 1.792-4.669 4.533-4.669 1.312 0 2.686.235 2.686.235v2.953H15.83c-1.491 0-1.956.925-1.956 1.874v2.25h3.328l-.532 3.47h-2.796v8.385C19.612 23.027 24 18.062 24 12.073z"></path></svg> Facebook</a><a href="https://www.instagram.com/capital_ins/" target="_blank" rel="noopener noreferrer" aria-label="Capital Insurance Agency on Instagram" class="inline-flex items-center gap-1.5 hover:text-gold"><svg role="img" viewBox="0 0 24 24" width="18" height="18" fill="currentColor" class="inline-block" aria-hidden="true"><path d="M12 2.163c3.204 0 3.584.012 4.85.07 3.252.148 4.771 1.691 4.919 4.919.058 1.265.069 1.645.069 4.849 0 3.205-.012 3.584-.069 4.849-.149 3.225-1.664 4.771-4.919 4.919-1.266.058-1.644.07-4.85.07-3.204 0-3.584-.012-4.849-.07-3.26-.149-4.771-1.699-4.919-4.92-.058-1.265-.07-1.644-.07-4.849 0-3.204.013-3.583.07-4.849.149-3.227 1.664-4.771 4.919-4.919 1.266-.057 1.645-.069 4.849-.069zM12 0C8.741 0 8.333.014 7.053.072 2.695.272.273 2.69.073 7.052.014 8.333 0 8.741 0 12c0 3.259.014 3.668.072 4.948.2 4.358 2.618 6.78 6.98 6.98C8.333 23.986 8.741 24 12 24c3.259 0 3.668-.014 4.948-.072 4.354-.2 6.782-2.618 6.979-6.98.059-1.28.073-1.689.073-4.948 0-3.259-.014-3.667-.072-4.947-.196-4.354-2.617-6.78-6.979-6.98C15.668.014 15.259 0 12 0zm0 5.838a6.162 6.162 0 100 12.324 6.162 6.162 0 000-12.324zM12 16a4 4 0 110-8 4 4 0 010 8zm6.406-11.845a1.44 1.44 0 100 2.881 1.44 1.44 0 000-2.881z"></path></svg> Instagram</a></li></ul></div></div>
185<div class="border-t border-navy-foreground/10 py-5 text-center text-xs text-navy-foreground/50"><p>© <!-- -->2026<!-- --> Capital Insurance Agency · Charlotte, North Carolina</p><p class="mx-auto mt-2 max-w-3xl px-4 text-[13px] leading-relaxed text-navy-foreground/70">Not connected with or endorsed by the U.S. government or the federal Medicare program. We do not offer every plan available in your area —<!-- --> <a class="underline underline-offset-2 hover:text-gold" href="/medicare">see our Medicare disclosures</a>.</p></div></footer><div class="fixed inset-x-0 bottom-0 z-40 grid grid-cols-3 border-t border-border bg-background/95 shadow-lg backdrop-blur lg:hidden" style="padding-bottom:env(safe-area-inset-bottom)"><a href="tel:+17045457000" class="flex flex-col items-center justify-center gap-1 py-2.5 text-xs font-semibold text-primary"><svg xmlns="http://www.w3.org/2000/svg" width="24" height="24" viewBox="0 0 24 24" fill="none" stroke="currentColor" stroke-width="2" stroke-linecap="round" stroke-linejoin="round" class="lucide lucide-phone h-4 w-4" aria-hidden="true"><path d="M13.832 16.568a1 1 0 0 0 1.213-.303l.355-.465A2 2 0 0 1 17 15h3a2 2 0 0 1 2 2v3a2 2 0 0 1-2 2A18 18 0 0 1 2 4a2 2 0 0 1 2-2h3a2 2 0 0 1 2 2v3a2 2 0 0 1-.8 1.6l-.468.351a1 1 0 0 0-.292 1.233 14 14 0 0 0 6.392 6.384"></path></svg>Call</a><a href="sms:+19802022859" class="flex flex-col items-center justify-center gap-1 border-x border-border py-2.5 text-xs font-semibold text-primary"><svg xmlns="http://www.w3.org/2000/svg" width="24" height="24" viewBox="0 0 24 24" fill="none" stroke="currentColor" stroke-width="2" stroke-linecap="round" stroke-linejoin="round" class="lucide lucide-message-square h-4 w-4" aria-hidden="true"><path d="M22 17a2 2 0 0 1-2 2H6.828a2 2 0 0 0-1.414.586l-2.202 2.202A.71.71 0 0 1 2 21.286V5a2 2 0 0 1 2-2h16a2 2 0 0 1 2 2z"></path></svg>Text <!-- -->(980) 202-2859</a><a class="flex flex-col items-center justify-center gap-1 bg-gold py-2.5 text-xs font-semibold text-gold-foreground active" href="/contact" data-status="active" aria-current="page">Get a Quote</a></div></div>
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