The L. N. Davis Insurance Agency
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  • Home
  • Auto
  • Life
This badge signifies we are a Trusted Choice agency. As a Trusted Choice agency, we understand your needs as a member of your local community. We use our broad market access to provide you with choices and are committed to offering you expertise, guidance, and tailored service for years to come.

The L. N. Davis Insurance Agency

Independent Insurance Agent in Waynesville, NC

About us

We Take Great Pride

L.N. davis, has been serving Haywood County, and Western North Carolina since 1933. We are Proudly a 4th generation family owned and operated independent insurance agency. We offer a full line of personal, life, and commercial insurance. Our agency is owned by Kathy Davis Lance. We are proud of her accomplishment of being the first female President of The Independent Insurance Agents of NC in 2008. Her daughter, Merritt Lance Tongen, is a past marketing representative for Auto-Owners Insurance Company and she will lead the agency into the future.

We specialize in the property line of business, and have many homeowner markets available. This includes secondary or seasonal homes with rental activity allowed. We provide any line of insurance you may need, and as an independent agency we search broader markets through various national brokers. We take great pride in forging a friendly personal relationship with our customers. When you call us a real person answers the phone, offering the coverage you need at the lowest possible premiums. We will provide a competitive price that fits individual needs, and be there for our customers in times of need.

Call us today and let us help you with any insurance need!

Personal Lines insurance professionals

Ask me about these types of insurance...

Having the right car insurance is so important, even more important is understanding all the ins and outs of your coverage to help protect you.

Get multiple quotes on your homeowners insurance with one phone call. Let an independent agent shop for you.

An independent insurance agent will walk you through top umbrella policy options to make sure you have the proper coverage to tackle above and beyond claims.

Our independent insurance agents will find you the right insurance for your farm that covers everything you need.

Why choose The L. N. Davis Insurance Agency

States we serve

  • Florida
  • Georgia
  • North Carolina
  • South Carolina

Our insurance coverages

Personal insurance coverage

  • ATV
  • Automobile
  • Boat
  • Builders Risk / Construction
  • Collectible Auto
  • Condo
  • Earthquake
  • Farm
  • Flood
  • Health
  • Home
  • Identity Fraud
  • Landlord
  • Mobile Home
  • Motorcycle
  • Other
  • Personal Watercraft
  • Pet
  • RV / Motorhome
  • Renters
  • Short-Term / Sharing
  • Snowmobile
  • Special Event
  • Travel Trailer
  • Umbrella
  • Vacant Land
  • Valuable Items

Business insurance coverage

  • General Liability

Life & Annuties coverage

  • Life

Recommended insurance company partners

Other companies we work with:

Auto Owners Insurance, Auto-Owners Insurance Company, Cincinnati Insurance Company, MetLife Auto & Home, National General Insurance (GMAC), Southern Mutual Insurance Company

The L. N. Davis Insurance Agency Team

Gary Lance
Gary Lance
Merritt Lance
Merritt Lance

The L. N. Davis Insurance Agency Reviews

Average based on 15 reviews Leave a review

Customer Reviews

October 27, 2022

Absolutely the best experience I have ever had with an insurance company. Kristy Pope is the best. Thank you so much.

August 10, 2022

I found the employees to be very knowledgeable and helpful at all stages --- from providing RV insurance coverage to handling a claim. I will continue to rely on their expertise.

July 29, 2022

Absolutely the best! Everyone is professional and extremely helpful. Thank you, Kristy, for making my life easier!

February 22, 2022

I needed to get a drivers license form for my son and of course procrastinated until the last minute. Not realizing the office closed early on Fridays I sent in a message not expecting it to get answered until Monday. Gary got back with me the same day and I had all the forms I needed the next day. I love how the Lances go over and beyond to help their customers.

December 15, 2021

The owners and all their staff are always available for prompt, courteous customer service. I highly recommend them for all insurance needs. They are the best!

April 19, 2021

L N Davis is a over the top company that will work very hard for you. They helped my wife and I that had just come to the state and made us very welcome. We no longer worry about our insurance because they made it happen for us.

April 19, 2021

Could not ask for better service. Gary Lance is the pinnacle of helpfulness and professionalism. A true asset to the community. Great for car, home and life insurance. Thank you LN Davis!

April 19, 2021

Service is excellent! Trusted advisors for Life Insurance and Annuities!

March 30, 2021

We have been working mostly with Tina and also Merritt at your agency, and I can sincerely say that it has been a great pleasure doing business with Tina and all of the agents there. Tina has helped with all of our insurance needs during our move and transition period. Both have been so very helpful, polite and very good listeners for figuring out what insurance works best for us. Thank you so much!

March 16, 2021



The L. N. Davis Insurance Agency

We Take Great Pride