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.

🍂 Prepare Your Home Insurance for Fall Weather

As we transition from summer into fall, it’s important to review your homeowners insurance to protect against seasonal risks like strong winds, early storms, and potential flooding. Hurricane season continues through September, so ensure your policy covers wind damage and water.

🚗 Update Your Auto Insurance Coverage

Planning a fall road trip? Before you hit the road, verify your auto insurance policy includes rental car coverage, roadside assistance, and accident protection. Cooler weather and changing road conditions make safe driving essential.

📸 Update Your Home Inventory This Fall

September is a great time to document your belongings for homeowners or renters insurance. Take photos or videos of valuable items, update your inventory list, and store them securely.

🚲 Stay Protected While Biking This Fall

With crisp fall air and beautiful scenery, biking is popular in September. Ask us about bike insurance coverage to protect yourself against accidents or theft.

🐶 Protect Your Pets with Insurance

More outdoor activity means pets are more prone to injuries or illnesses. Discover our pet insurance options designed to keep your furry friends covered all season long.

🌧️ Flood Insurance – Don’t Wait Until It’s Too Late

Fall rains can cause unexpected flooding. Review your policy with us to make sure your flood insurance coverage is up-to-date, safeguarding your home from water damage.

🏥 Health Insurance Check-Up for Fall Activities

From school sports to seasonal travel, confirm your health insurance covers all your fall activities. We can help you understand your benefits and make adjustments if necessary.

• 🌻 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.