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CAP Insurance Group

5.0 ★★★★★ · 576 Google reviews · 7 photos
Insurance agency · Charlotte, NC

CAP Insurance Group at a glance

Customers consistently praise the agency for responsive communication, clear explanations of coverage options, and assistance with policy comparisons and renewals. Reviewers note the team's ability to handle various insurance needs, including business and personal policies, with efficient claim support. However, some low-star reviews highlight delays in processing refunds after policy cancellations and dissatisfaction with the timing or method of responses from specific staff members.

  • Google rating: 5.0 out of 5 from 576 reviews (98% five-star).
  • Reviews on this page: 576 Google reviews (438 with written comments, 1 with photos).
  • Owner responses: the business replied to 97% of reviews.
  • Most recent review: October 25, 2026.
  • Service: Insurance Agent serving Charlotte, North Carolina.

Data from Google, last updated October 26, 2026.

Photos

Customer reviews

5.0
★★★★★
576 reviews on Google
5★565
4★8
3★1
2★0
1★2

Reviews from Google, shown as published (original wording, unedited).

James Patton14 reviews
★★★★★

Charlie and his team at CAP Insurance group have been very helpful assisting us for all our insurance needs over the past few years. Highly recommend to anyone needing help getting the best coverage for their needs.

Review from Google · view on Google
Clint CurlLocal Guide · 18 reviews
★★★★★

Stephen did a fantastic job explaining my coverage options as well as offering the best options for my family. I found him to be most responsive and willing to answer questions for me. I'd recommend him for anyone who has insurance coverage questions or needs.

  • Price assessment: Reasonable price
  • Services: Homeowners insurance, Boat & watercraft insurance
  • Quote wait time: A few business days
  • Ease of reaching staff: Very easy
Response from the owner · 3 days ago

Thank you for the kind review Clint! Stephen is great - you are in good hands. Glad we could help with your home and boat insurance!

Review from Google · view on Google
Harper Dupree1 review
★★★★★

I had a wonderful experience!

Response from the owner · a week ago

Thank you Harper! So glad we were able to help you with your business insurance.

Review from Google · view on Google
Valentine Petric1 review
★★★★★

Iv been working with Charlie for a few months now and have nothing but great things to say about him and the rest of his team

Response from the owner · a week ago

Thank you Valentine! We are honored to help you with your business and personal insurance.

Review from Google · view on Google
Joanne King1 review
★★★★★

Charlie and his team have been managing my insurance needs for a number of years, including a move to another state. Charlie is always quick to reply, easy to speak with, and listens. He and his staff are a pleasure to work with.

  • Price assessment: Reasonable price
  • Services: Homeowners insurance, Vehicle insurance
  • Ease of reaching staff: Very easy
Response from the owner · a week ago

Thank you Joanne - it's a pleasure working with YOU!

Review from Google · view on Google
Oliver Charles7 reviews
★★★★★

Charlie and his team at Cap are exceptional. They were incredibly helpful throughout the process, taking the time to explain everything clearly and helping me find the right insurance cover at a competitive premium. Communication was excellent, they made everything straightforward, and the whole experience was seamless from start to finish. Highly recommend Charlie and the team to anyone looking for reliable, professional insurance advice!

  • Price assessment: Great price
  • Services: Workers' compensation insurance
  • Claims process: Quick and easy
  • Ease of reaching staff: Very easy
Response from the owner · 2 weeks ago

Thanks for the kind words Oliver. Glad to see our team has been knowledgeable and responsive!

Review from Google · view on Google
Greg JohnsonLocal Guide · 22 reviews
★★★★★

I have been working with CAP Insurance for 14 years and they have become an incredibly valuable partner to my businesses. They are very customer service oriented. They also offer great guidance in navigating the world of insurance. I highly recommend them.

Response from the owner · 2 weeks ago

Thanks so much Greg! Thankful we are able to help you protect your business.

Review from Google · view on Google
sammy andres5 reviews
★★★★★

We’ve been using CAP Insurance for a while now, and I can honestly say they’ve been amazing. We had a pretty scary situation when a massive tree fell in our backyard and completely destroyed two of our cars. Within 15 minutes of filing the claim, we already had an adjuster reaching out, and CAP was there helping us every step of the way. They even helped us get into a rental right away. When something like that happens, the last thing you want is to fight with your insurance company, and thankfully we never had to. It’s one thing to have great coverage, but it’s another to have people who actually care when you need them. Really grateful for the team at CAP. Highly recommend them!

  • Price assessment: Reasonable price
  • Services: Homeowners insurance, Vehicle insurance
  • Quote wait time: Within 24 hours
  • Ease of reaching staff: Very easy
Response from the owner · 2 weeks ago

Thanks for the kind review Sammy! So glad we could help you with your claim and get you back on your feet. We are grateful to work with you and your family.

Review from Google · view on Google
Hossan Hassan1 review
★★★★★

It was a great experience. I got detailed explanations and education. All concerns met. I recommend highly.

  • Price assessment: Great price
  • Services: Homeowners insurance
  • Claims process: Other
  • Ease of reaching staff: Very easy
Response from the owner · a month ago

Great to hear Hossan! We are thankful for the opportunity to help you with your insurance needs!

Review from Google · view on Google
frank quesada1 review
★★★★★

Absolutely one of the best insurance teams in Charlotte! Ben Grobe and Charlie Sternberg were incredible to work with. From the beginning, they provided excellent customer service and made the entire process easy. More importantly, they are genuine people who truly care about serving their customers well and finding the best solutions for their needs. I’m incredibly grateful for their help and would highly recommend Ben, Charlie, and their team to anyone looking for great service and people they can trust.

  • Price assessment: Great price
  • Ease of reaching staff: Very easy
Response from the owner · a month ago

Frank - thank you so much for the great review. We are honored to help you with your personal insurance!

Review from Google · view on Google

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