About Us

Chapel Hill Insurance AgentSince 1963, High & Rubish Insurance Agency has grown to serve the home insurance, auto insurance, business insurance, life insurance, and health insurance needs of more than 8,000 businesses and families in the greater Triangle area. By representing various financially sound, reputable insurance companies, High & Rubish can ensure our diverse clientele that their policy is placed with the company offering the best coverage at a competitive price.

For over 50 years, High & Rubish has proven itself to be a firm of proven professionals and caring, conscientious people; the kind you can depend on. When choosing High & Rubish, you are dealing with an independent insurance agency that values you as their first priority. No matter the coverage, we are committed to a high standard of excellence in all that we do when handling your insurance needs.

An Independent Advantage

We are Independent Agents in Chapel Hill, North Carolina, free to choose the best carrier for your insurance needs. We do not work for an insurance company; we work for you. We work on your side when you have a loss and follow through to see that you get fair, prompt payment and service. High & Rubish Insurance Agency represents a carefully selected group of financially strong, reputable insurance companies. Therefore, we are able to offer you the best coverage at the most competitive price.

What is an Independent Insurance Agent?

When you decide to buy a car, you wouldn't purchase the first one you see. What if one day the automobile industry decided to make only one type of car, one make and one model. You wouldn't have a choice!

The same situation holds true for insurance. You need insurance to drive a car, to purchase a house, to protect your family's financial future and to run a small business. But if there was only one insurance company that offered only one type of insurance, you wouldn't have a choice. The only solution would be going to that one company.

With an independent insurance agent, you have choices. Independent agents are not tied to any one insurance company. One of the advantages of using an independent agent is that he or she works to satisfy your needs. You are using an expert for an important financial decision.

An independent agent has several companies that he or she can approach to get you the best coverage at the best price. And your independent agent will know the companies with the most efficient claims departments to recover your losses as quickly as possible.

When you buy insurance, you want an advocate who will properly assess the risks you face and give you an objective analysis of the marketplace, because it's up to you to make the final choice.