Hutch Ham Agency, Inc.

Hutch Ham Agency, Inc. is an independent insurance agency at 1230 West Morehead Street, Suite 306, in Charlotte. Its official website says Joseph Hutchinson Ham, Jr. established the firm in 1949; the agency describes a multi-carrier model and lists personal auto insurance among its services. That history and the number of carrier relationships are company-reported. The published office phone is (704) 525-6016, and the official contact page gives april@hutchhaminsure.com. A local agency can help compare offers from participating insurers, but the insurer, contract and claims decisions remain separate from the agency.

The state-license record provides a second kind of check. In the public lookup that the North Carolina Department of Insurance links to the NAIC State Based Systems, the agency appeared as Corporation-Active, license 1000009416, expiring March 31, 2027. The same lookup returned Michael O. Ham as an active insurance producer, license/NPN 1726636, with casualty and property lines among his authorities, expiring November 30, 2027. Those are the agency and producer results visible on September 28, 2026; a consumer should recheck the live record and confirm which licensed person will handle a quote before buying.

Google Maps, opened directly on September 28, 2026, showed 4.9 stars from 279 reviews for the Morehead Street office. Comments visible in the sample mentioned helpful service, insurance advice and customers who had stayed with the agency for years. Those comments are general feedback about the agency, not evidence that a particular insurer will offer a low premium or pay a future claim. Ratings and review totals can change. Compare the written policy’s liability limits, deductibles, exclusions and carrier with another quote at the same coverage levels.

The Maps listing displayed weekday hours of 8:30 a.m. to 4:30 p.m. and showed the office closed Saturday and Sunday; the official pages inspected did not publish the same full schedule, so call before visiting. The official website includes a Hutch Ham logo, and no official social-media profile was linked from the pages checked. The business is categorized under the existing MASKAY categories for insurance agencies and auto insurance. This profile records a licensed Charlotte option for comparison; it is not an endorsement.

Google review excerpts: Direct Maps review summary described helpful service, insurance advice and long-term customers. The visible sample is general agency feedback, not an evaluation of a specific insurer or policy.

Sources: Hutch Ham Agency, Inc. | official website · About Our Agency | Hutch Ham Agency, Inc. · Auto Insurance | Hutch Ham Agency, Inc. · Insurance Producer and Adjuster Licensing | NC DOI · Hutch Ham Agency, Inc. North Carolina license | NAIC lookup linked by NC DOI · Michael O. Ham North Carolina producer license | NAIC lookup linked by NC DOI · Google Maps: Hutch Ham Agency, Inc.