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One Place for Auto, Business, Home, & Renters Insurance in NC

One Place for Auto, Business, Home, & Renters Insurance in NC

When you choose Romeo Heatherly Insurance Services in Hickory, NC, you gain peace of mind knowing that a dedicated broker is working with your best interests at heart. 

Our agency was founded on the idea that people are best served when they have choices, and that one size does not fit all. This is why we work with multiple respected insurance carriers. This enables us to shop around and find the best possible deal for you or your loved ones.

What sets us apart from our competitors is that we’re really good at what we do. We have a well-deserved reputation amongst the insurance carriers for having an eagle eye and strong attention to detail. They know us by both name and reputation. We’ll advocate fiercely for your best interests and help provide you with the best coverage that suits your individual needs or lifestyle. 

Getting the best insurance policy doesn’t have to be complicated. We’ll do all the hard work and locate the perfect one that’s tailored-fit for you. We’re an independent agency, and this means we can shop around from multiple respected carriers to find you a policy that will provide you with the coverage that you need.

Personalized Service

We work with individuals, families, and businesses to help provide them with a personalized service that offers them the best possible deal on auto, home, life, or business insurance. Once you’ve signed up for the insurance—our services don’t stop there.

We keep an active file of current clients whose policies are about to renew. If we see that your rates are about to go up, we automatically start shopping around for a better deal. Once we’ve found something, we’ll proactively reach out and let you know.

Brokers vs. Agents

Romeo Heatherly Insurance is a full-service insurance broker. We’re often asked what the difference is between an insurance broker and an insurance agent. Insurance brokers are “independent” in the sense that we do not represent a single insurance company. 

This allows us to shop around with multiple carriers and find you the best possible deal. Brokers are also obligated by law to represent the best interests of our clients—and only our clients. This is the key difference.

An insurance agent works for a single insurance company. While they will sell you insurance, you need to keep in mind that they are obligated to represent the best interests of the insurance company that they work for. 

This means that if you ever have to file a claim on your insurance policy, and it turns into a complicated legal matter, your insurance agent will be required to represent the best interests of the insurance agency you’re fighting against.

This is why it’s best to go with an insurance broker, as we’re obligated to look out for your best interests no matter what. We take this responsibility to heart and proactively work hard to help ensure that you’re getting the best deal possible.

Local Brokers

Unlike other insurance agents, who work out of a huge call center thousands of miles away, we’re native to North Carolina. This means we speak your language and have expert knowledge of the area and all the local nuances that can affect your insurance policy. 

We proudly serve clients in all 100 counties in North Carolina, including:

  • Hickory
  • Conover
  • Newton
  • Claremont
  • Maiden
  • Granite Falls
  • Lenoir
  • Morganton
  • Valdese
  • Taylorsville

We also offer insurance services to residents in South Carolina and Virginia. Contact us for more information.

AGENTS WORK FOR COMPANIES, A BROKER WORKS FOR YOU.

AGENTS WORK FOR COMPANIES, A BROKER WORKS FOR YOU.

Will my credit score affect my North Carolina auto insurance rate?

It most certainly will. In addition to affecting your auto insurance rate, it will also affect your homeowner’s insurance rate as well. If you have poor credit, reach out to us regardless, as we have options available.

Does North Carolina homeowner’s insurance cover flooding?

No, it does not. However, if you wish to add it to your policy, flood insurance is available. Contact us for more info regarding this type of coverage for North Carolina.

I just bought a new home in North Carolina. How do I pay for homeowner’s insurance?

Most times escrowed out of the loan closing and is part of your home loan payment, so the mortgage company will pay the insurance company for it.

Why is my North Carolina monthly auto insurance rate lower than my friend who lives two towns over?

There are many things that can affect your auto insurance rates in North Carolina:

  • Age
  • Driving record
  • Type of car you drive
  • Credit score
  • Zip code where you live
  • Prior liability limits you carried affect your rate
  • Prior insurance carrier, when shopping for new insurance some companies rate you based on if you were with a standard company and who the company was
  • Multi policy discount for having home or renters

We work very hard to find you the best possible auto insurance rates and coverage based upon your individual needs. You can rest assured that we will shop around and find a company that is willing to work with you.

What does North Carolina renter’s insurance cover?

Renter’s insurance (also known as tenant’s insurance) in North Carolina will help protect you and your things in the event of a fire, theft, vandalism, or water leak. While coverage may vary slightly from carrier to carrier, it generally covers your personal property, additional living expenses, and liability.

How often should I review the coverage from my life insurance plan?

It’s important to review the coverage offered by your life insurance plan every time there’s a major event in your life. For example, if you have a new child, bought a new home, or just got married/divorced, you should sit down and compare your current coverage to the needs of your new lifestyle.