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Insurance of the Carolinas began as a venture for Liberty, NC, native Monk Cummings to insure the needs of our local farmers. To this day, we remain locally owned and operated while servicing clients throughout both North Carolina and South Carolina. Our dedicated agents understand that life is all about choices. The decisions you make today will affect your future in ways you may not be able to predict. Our family approach to insurance means you'll have the right coverage for both your individual and family needs. We hope you will come join us and be part of the IOC family!