Overbay Insurance
219 Walnut Street
Waynesville, NC 28786

Fax: 828.452.5995

You can now purchase Nationwide home & auto coverage online from Overbay Insurance Service.
We are licensed to sell coverage to clients in North Carolina, South Carolina and Tennessee.

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Overbay Insurance Services: Specialized Home and Auto Insurance in Waynesville and Canton, NC 

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Serving as a Trusted Partner for Clients in Waynesville and Surrounding North Carolina Communities

Developing a comprehensive insurance portfolio can be challenging. With a trusted guide, however, the path toward adequate coverage can be secured in a timely, affordable manner.


At Overbay Insurance Services, our agents have been serving as advisors to clients in Waynesville, North Carolina since 2010. We take time to listen to client needs, confirming neighboring residents and businesses are equipped with personalized insurance products and services.

Life Insurance, Contractors Insurance, Business Owners Policies (BOP), Retail Insurance, and More

Our agents work to build a long-term insurance strategy, acting proactively to fully identify risks. As a full-service agency, we have the ability to write coverage for most individuals, families, and businesses. We also boast reliable insurance products, courtesy of our partnerships with a selection of nationally renowned carriers.


The personal insurance program we provide is equipped with homeowners insurance, auto insurance, and life insurance selections. Our agents believe in educating clients on all options available, assisting them in acquiring coverage fit for their budget and risk tolerance. If you come to us with a question, you will have an educated response as soon as possible.


This level of client service extends to our business insurance program. Our agency has built longstanding relationships with North Carolina business owners, and continues to advocate for them on a daily basis.


Commercial coverage from Overbay Insurance Services can be tailored to the needs of representatives from many specific industries, such as contractors and retail shop owners. For small to medium-sized operations, we often recommend an investment in a business owners policy (BOP), which combines essential coverage offerings in a cost-effective manner.


To gain additional insight into the insurance products and services we offer, contact an agent at your convenience.

Local Agents Building Protection for Our Waynesville Neighbors

As local agents, we live in the same neighborhoods and drive down the same streets. This direct association offers insight into the types of risk relevant to you and your family. Our current clientele appreciates this expertise, complemented by a hands-on approach to developing insurance portfolios.


Along with insurance services, we are also proud to support local community organizations, such as the Downtown Waynesville Association and Haywood County Chamber of Commerce.


We look forward to guiding North Carolina residents and businesses toward a destination of insurance protection for decades to come. To begin partnering with our agency, please request a quote.

Additional Resources:


Meet Our Team

Stacy Overbay
Stacy Overbay


Jon Overbay
Jon Overbay


Fredia Martin
Fredia Martin

Customer Service/Agent

Lanee Cutshaw
Lanee Cutshaw


I strongly recommend Overbay Insurance for any of your insurance needs. A friend referred me to their team when I moved to the area 10 years ago. I was immediately impressed, and I've come to rely on them for everything (life, auto, homeowner's, and personal liability). They've been perfect in every way. I've had a few claims (hail damage, auto collision, etc) & a few policy changes, and they've always been very involved and proactive in helping to navigate all of that for me. I've worked most closely with Jon, but Stacy & Fredia have been great, too.

Charles Thompson

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