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Finding the Best Insurance Fit?

Let Zacharko Insurance Agency guide you in selecting the best insurance. Our team of experienced insurance agents will assist you in choosing the best carrier for Home, Auto, Commercial, and Powersports, plus a wide range of benefits to ease critical situations. Explore now!

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Protect your Home and Family

It’s a world filled with bad drivers, even if you are one of them, stay protected.

You’ve invested so much into your business already, make sure it’s protected.

Dirtbikes, Boats, RVs? Yeah we do that too.

Being there for you when you need us most is what we are all about.

We believe you deserve a partner who will be there for you. Especially through challenging situations. Zacharko Insurance Agency is that partner. We continually look for new ways to help you prepare you for what tomorrow may bring.

Over 25 Years of Helping Our Clients

Zacharko Insurance Agency has been in business serving North & South Carolina Since 1993. We are Veteran-owned and operated and we invite you to experience the benefits of working with an independent insurance agency. By offering a spectrum of top-rated carriers, we are able to satisfy insurance needs for every situation. You’ve worked hard to obtain your ideal future, let our experts manage custom details to protect your hard-earned assets. Your local agents are here to help you navigate and manage whatever life throws at you. Count on Zacharko Insurance Agency for the knowledge, experience, and concern your family deserves. 5-Star Insurance Agency Raleigh
Read out our blog for helpful information on how why you need insurance and what kinds of insurance would most benefit you. If you are unsure what questions to ask us, reading through our blog is a fantastic way to learn more about what kinds of insurance would benefit you! Learn more about why we are the best insurance in Raleigh. We cover topics like auto insurance, liability insurance, cyber security, use-based insurance, and home insurance.

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Zacharko Mission Statement

Our mission statement and values are more than just words on paper – they’re a promise. A promise of not only what we deliver when we first quote your policy, but of the service and commitment you can expect for years to come.

We strive each day to act with integrity; listen, educate, and learn; provide solutions; generate positive energy, and support our community. Our team effort embraces exceptional service, superior knowledge, and individual attention to deliver customized solutions that provide peace of mind and support when you need it most.

Check out our job opportunities!

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Core Value


We conduct ourselves with 100% transparency in every interaction we are involved in, every day, all the time.

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Core Value


By operating with respect, honesty and the most up to date industry information – we take responsibility for every action we take.

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Core Value


We vow to constantly stay informed of our ever-evolving industry in order to meet your needs.

Services We Offer




Professional Liability

Worker’s Compensation





Property Management




Business Auto

Liquor Liability


Builder’s Risk

Recreational Vehicles




We work with a large group of carriers to give you the best coverage at the best price.

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Over 100 5 Star Reviews

We are proud of our 5.0 score.

Heather L.

Heather L.

Beyond grateful to have Bob as my insurance agent. Both he and his staff are very responsive to any questions or concerns I have had. I have been a client for years and continue to refer my family and friends. A value cannot be placed on having access to a knowledgeable insurance agent exactly when you need him without jumping through hoops.
Gerald L.

Gerald L.

I’ve been with the Zacharko group for over 5 years and they have been an outstanding organization. My family has multiple policies (cars, motorcycles, home, and others) with them and I cannot rave enough about how well they have treated me and my family. Cliff has been my go to guy and he has always been the epitome of class and efficiency. I buy many cars and Cliff is always there to give me a quote or switch policies. Never a hassle or headache. Everything was handled immediately. Top-notch service from friendly, polite people. You can’t get personalized customer service like Cliff, Bob, and Debra provide. Highly recommended.
Monica L.

Monica L.

Have been with Zacharko Agency for over 20 years. Am a diligent buyer and always review my options. Trusted a competitor for a 2nd home policy due to lower rates to find out we did not have the proper coverage in place during a refi. We found knowledgeable help in short order from Zacharko Agency to allow us to close timely with peace of mind. Don’t trust just anyone. These folks are good and will look our for your best interest!
Alec D.

Alec D.

Bob and Cliff were extremely helpful when I decided to get a new auto policy with them. If you’re in the market or new to the area you can’t beat this dynamic team. Especially when you know they are in the community and have your best interests at heart and want your business for the next twenty years, not the next six months.
James C

James C

We can’t say enough good things about Cliff Harris and the team over there at Zacharko agency. We have used them for our commercial properties, personal home, cars, and more for over a decade.

1) Cliff delivers unparalleled customer service — every time, without exception, when I ask Cliff for anything, he responds quickly, and his answers are spot-on.  You always get the feeling that he is on our side.  He’s creative in his problem-solving (which can be necessary with our rental properties), and he does all the hard work for us.  He never sends us to an 800 number, we never wait on hold for an answer.  It’s really simple — we ask Cliff what we want to know, and he just takes care of it.

2) We had storm damage on a home, and Nationwide took care of the whole thing.  No hassle, no denials, no fighting — they just paid to get the whole roof and broken fencing re-done.

3) They offer an array of services, from cheap options like when our teenage son needed basic auto coverage, to complete liability coverage for our commercial properties.  They’re always looking for the best options, and they talk it through with you.  We also ensure cars and properties in Florida (I wish Cliff and the team could serve us there), and I can tell you, the companies we use there are no comparison to the service we’ve come to rely on with Zacharko. It’s taken me a decade to get around to writing this review, but consider it to be representative of our stellar experience with them year after year.  Highly recommended!