Top rateD insurance in Durham, NC

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(919) 536-5577

At Ratliff Insurance Service, we provide personalized and dependable insurance solutions tailored to meet the unique needs of North Carolina residents and businesses. With over 18 years of industry experience, a commitment to exceptional service, and a strong connection to the local community, we're here to protect what matters most to you while offering the confidence and peace of mind you deserve.

REVIEWS & TESTIMONIALS

What Our Customers Say
Corey Whittaker
I met with Candy who was super helpful. More importantly, she was transparent and honest which means a lot these days. She was able to answer all questions and find me some significant savings on a policy.
Terry Buck
Tony and Candy were great. They took time to answer all of my questions over multiple phone calls. The respect for my needs and the willingness to help is much appreciated. Thank you.
Michael Chambers
He explained everything in a tremendous way. The best customer service experience I’ve ever had GREAT JOB RICK!!!!
Camryn Kellog
She went above and beyond to provide us with the best auto quote. She was friendly, courteous, and efficient. Highly recommend working with her!
Sahal Thahir
Her persistence helped push through some administrative challenges and made it very easy my end.
Cait Loughran
Super considerate and made everything much easier than we anticipated! Thank you Rick! :)
Neil Gottel
NC's insurance requirements were kinda confusing, so he walked me through it, and the next steps for my driver's license.
Dean Blake
And Chris who was also Excellent went above and beyond to help me out. The communication was fantastic and the whole process of getting a new insurance policy went smoothly. The quotes were alot lower and better .Thank you guys for everything.
Brijesh Parekh
Even on the call, everything was clarified prior to payment and then submitted. I highly recommend him to anyone looking for insurance.

REVIEWS & TESTIMONIALS

What Our Customers Say
Corey Whittaker
I met with Candy who was super helpful. More importantly, she was transparent and honest which means a lot these days. She was able to answer all questions and find me some significant savings on a policy.
Terry Buck
Tony and Candy were great. They took time to answer all of my questions over multiple phone calls. The respect for my needs and the willingness to help is much appreciated. Thank you.
Camryn Kellog
She went above and beyond to provide us with the best auto quote. She was friendly, courteous, and efficient. Highly recommend working with her!
Sahal Thahir
Her persistence helped push through some administrative challenges and made it very easy my end.
Neil Gottel
NC's insurance requirements were kinda confusing, so he walked me through it, and the next steps for my driver's license.
Dean Blake
And Chris who was also Excellent went above and beyond to help me out. The communication was fantastic and the whole process of getting a new insurance policy went smoothly. The quotes were alot lower and better .Thank you guys for everything.
Michael Chambers
He explained everything in a tremendous way. The best customer service experience I’ve ever had GREAT JOB RICK!!!!
Cait Loughran
Super considerate and made everything much easier than we anticipated! Thank you Rick! :)

LOCAL INSURANCE COVERAGE

AUTO
Drive with complete confidence through comprehensive coverage that shields you, your passengers, and your vehicle against life's unexpected road hazards.
HOMEOWNERS
Transform your house into a worry-free sanctuary with customized protection for your home's structure, belongings, and the memories you create inside.
RENTERS
Secure your personal oasis and treasured possessions with flexible renters coverage that respects your budget while prioritizing what matters most to you.
MOTORCYCLE
Experience the freedom of the open road with specialized motorcycle protection that understands your passion for riding and adapts to your unique adventures.
BOAT
Set sail with confidence knowing your watercraft is safeguarded by expertly crafted marine coverage that keeps your voyages smooth from shore to horizon.
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serving North Carolina for 15 years

Ratliff Insurance Service is your trusted local insurance agency serving North Carolina, led by industry veteran John Ratliff. With over 15 years of experience in the insurance industry and a degree in Risk Management from Florida State University, John Ratliff has built a reputation for delivering personalized insurance solutions that protect what matters most to his clients. As the founder of Ratliff Insurance Service, John is committed to providing tailored plans that fit your unique needs and budget, whether it's safeguarding your home, car, business, or family.

Located directly across from the southpoint mall

INSURANCE FAQS

Your rates depend on things like where you live, your age, credit score, and what you're insuring. For car insurance, your driving history matters a lot. The value of your property, coverage limits, and deductibles all play a part too. John can show you how these factors work and help you find ways to save money.
It depends on what you need. For your home, you want enough to rebuild and replace your belongings. For your car, it's about protecting your vehicle and covering potential accidents. John will look at your specific situation and help make sure you're properly covered without paying for things you don't need.
Not always. Big claims or accidents that are your fault might increase your rates, but many smaller claims won't affect them much. The type of claim and your history matter too. John can help you figure out when it makes sense to file a claim and when it might be better to handle costs yourself.

First, make sure everyone's safe and get medical help if needed. Take photos and get information from anyone involved. Call John right away to report what happened. Keep track of all expenses and conversations related to the incident. This makes the claims process much smoother.

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QUOTE TODAY

YOUR LOCAL Durham, NC Insurance AGENCY

© 2025 Ratliff Insurance Service
7011 Fayetteville Rd., Unit 103-B, Durham, NC 27713

[email protected]

919-536-5577

© 2025 Ratliff Insurance Service
7011 Fayetteville Rd., Unit 103-B, Durham, NC 27713

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