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Homeowners & Renters Insurance Hickory, North Carolina
When you need a home insurance policy, it is important to find one that fits your needs and lifestyle. If something were ever to happen in the event of an unfortunate tragedy or accident - whether on purpose by a disaster like fire damage from stovetop overload; accidentally while doing chores around kitchen range explosion--we’re here for all those moments when life feels unforeseeable! You can rest assured knowing Romeo Heatherly Insurance Services is an independent insurance agency that has policies tailored specifically towards renters as well as homeowners who own property at risk, such as second homes offsite properties where the jewelry may be stored.
Homeowners in North Carolina can purchase an enhanced policy, also known as a HE-7. This provides superior coverage to the standard homeowners’ policies available from other companies because it meets all requirements for this type of document and has increased benefits too!
Here’s why you should consider an enhanced HE-7 homeowner’s policy instead of the basic ones:

Peace of Mind Insurance Solutions
The majority of home insurance policies cover many disasters, including fire and theft. Many also offer coverage for your physical structure and other structures on the property, such as garages or greenhouses, to name just two examples; this includes personal property too - things like furniture, appliances, clothing, etc. Coverage typically extends expenses incurred when one's utility is lost due to an incident at their house--so you're covered, whether it be water flood damage (national flood insurance program) caused by a heavy rainstorm.
Other Insurance Solutions:
Still, looking for an insurance agency to protect your home further? You’re in luck. We have just the thing for you! The North Carolina Enhanced Homeowner's Policy will provide an added layer of protection and peace of mind knowing that you're covered if something goes wrong with your home or property. To learn more about this policy (including its benefits), give us a call today.

Frequently Asked Questions
As an independent insurance agency or better known as a broker, Romeo Heatherly Insurance works with multiple insurance companies to find you the best rate that meets your individual needs. We work with such companies as:
- Nationwide
- Homeowners of America
- Utica
- AAA
- Heritage
- Progressive
- UPC
- Foremost
- Allstar
- First Mutual
- Zurich (Offering builders risk)
At the top of this webpage is an interactive form. It will ask you a series of questions that will enable us to provide you with a quote for home insurance whether you rent or own.
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.
Absolutely you do! Most people don’t realize that if they change the way their house is used and don’t let their insurance company know; their claims may not be covered. Insuring it correctly as a short-term rental can cost almost the same as what you’re already paying.
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.
North Carolina homeowners pay an average of $1,869 per year for their home insurance. This is 7% higher than the national average. This is why it is important to go with an independent insurance agency offering a number of companies to choose the best rate for your family.
A typical homeowners policy provides some coverage for watches, jewelry, and other expensive items. However, the coverage provided for these items is usually limited and not that high. This helps keep the overall cost of the policy low.
If you own valuable items, there are two ways that you can ensure that they’re fully covered:
- Increase the limit of the liability – This is the cheapest way to get coverage for a specific item. Keep in mind that the amounts are still limited.
- Buy a floater – Buying a floater and scheduling your valuables offers the greatest protection. However, it will cost you more money. A floater provides coverage for any kind of losses—including accidental. Prior to purchasing one, you will need to have the value of your items appraised by a professional.
No, it does not. However, if you wish to add it to your policy, flood insurance is available. Contact us for more info regarding the national flood insurance program type of coverage.
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.
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.
A typical insurance agent is going to work for one company and is only able to offer their standard insurance coverage and rates. It is important to ensure you have the best coverage and best coverage for your valuable possessions when dealing with your personal property. At Romeo Heatherly Insurance Services, we discuss your insurance options and what's best for your personal belongings. The best part? We can fit the company that fits your needs perfectly with:
- Home insurance
- Car Insurance
- Business Insurance
- Life Insurance
Renters insurance premiums are pretty cheap to begin with, so it is an important way to protect yourself against the risks of fire, water leakage, and theft. It also provides financial reimbursement if your temporary living space becomes uninhabitable - so you can still enjoy some peace while away on vacation! You want to make sure that you have liability coverage and other personal property coverage with any renters insurance policies. Don't simply look for "cheap renters insurance." Make sure your insurance agent uses renters insurance companies with great customer service, and your needs are a priority.

AAA

ASI

Attune

First Mutual

Foremost

Heritage

Homeowners of America

Millers Mutual

Nationwide

Progressive

RPS Insurance

Ryan Turner

UPC Insurance

Utica Insurance

Zurich