Carmen Ritz

📞 Request a Quote Today! Call or text the number in the top right-hand corner — Ritz State Farm is ready to assist with all your insurance needs this September and throughout the fall season.

December Insurance Tips 🎄❄️

• Review Your Home Insurance 🏠🔍 Winter weather can cause damage like frozen pipes or roof leaks. Make sure your policy covers these risks and update your coverage if needed.

• Check Your Auto Insurance 🚗🛡️ With icy roads and holiday travel, ensure your auto insurance is up to date. Consider adding roadside assistance if you don’t have it already!

• Bundle & Save 💼💰 December is a great time to review your policies. Bundling home, auto, and other insurance can often save you money.

• Update Your Inventory 📦📋 Keep an updated list of your belongings for home insurance. December is perfect for a quick home inventory check before the holidays.

• Be Careful with Holiday Decorations 🎅🎁 Fire risks increase with lights and candles. Check if your home insurance covers holiday-related damages.

• Prepare for Winter Travel ✈️❄️ If you’re traveling, review your travel insurance policy. Confirm coverage for trip cancellations, delays, or medical emergencies.

• Protect Your Gifts 🎁🔒 Consider adding coverage for valuable holiday gifts under your homeowner’s or renter’s insurance.

• Beware of Scams 🚨📞 Holiday season scammers often target insurance customers. Always verify calls or emails from your insurance company before sharing personal info.

• 🌻 About Me

  Carmen Ritz | State Farm Insurance Agent Serving Durham, Raleigh, RTP & Triangle Area

  Welcome! I’m Carmen Ritz, your trusted State Farm insurance agent proudly serving Durham, Raleigh, Research Triangle Park (RTP), and the greater Triangle region since 2009. My mission is to provide personalized insurance plans that protect what matters most to you — whether that’s your home, auto, renters, life, or pet insurance.

  Comprehensive Insurance Services in Durham & Raleigh

  As a local insurance professional, I understand the unique needs of Triangle-area residents, from historic homes and new builds to condos and college rentals. I specialize in:

  • Homeowners Insurance and Flood Insurance to protect your home against storms common in North Carolina.

  • Auto Insurance including roadside assistance, accident protection, and rental car coverage for safe and worry-free driving.

  • Renters Insurance designed for students and young professionals in Raleigh and RTP.

  • Life Insurance plans designed to provide long-term security for your growing family or newlywed life.

  • Pet Insurance to keep your furry friends healthy and happy.

  Why Choose Carmen Ritz, Your Local State Farm Agent?

  With over a decade of experience serving the Triangle community, I’m committed to delivering thoughtful, personalized service. My team and I are here to help you review and update your insurance policies seasonally — from back-to-school coverage needs to preparing for storm season.

  We believe insurance should be simple, supportive, and suited to your lifestyle. Plus, you might meet Teddy, our friendly office dog who loves greeting visitors!

  Serving Raleigh, Durham, and the Greater Triangle Since 2009

  Originally from Tennessee and educated in Florida, I’m proud to call Raleigh home. I’m actively involved with local organizations like the Frankie Lemmon Foundation and Saving Grace dog rescue. You’ll also find me enjoying the annual NC State Fair with my family.

  Get a Free Insurance Quote Today

  Whether you need auto, home, renters, life, or pet insurance in Raleigh, Durham, or RTP, I’m here to help you find the right coverage. Call or text me anytime to get a free, personalized insurance quote and experience local service with a friendly touch.