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Homeowners & Renters Insurance Hickory, North Carolina

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:


Enhanced Homeowner’s Insurance Policy

Much like the standard policy, the North Carolina enhanced homeowners insurance policy provides you with six coverages:

  • Personal Liability
  • Loss of Use
  • Personal Property
  • Other Structures
  • Dwelling
  • Medical Payments for Others

The enhanced policy adds the following additional benefits to the above six coverages:

Personal Injury (Personal Liability) – This will cover you in the event that you’re sued for slander, libel, or defamation.

Mortgage Expense (Loss of Use) – The enhanced policy will pay up to 20% of your dwelling to live somewhere else while your home is being repaired, and it will also make your mortgage payments for up to 12 months.

All Risk Coverage (Personal Property) – This states that unless your policy explicitly excludes coverage, it’s covered. For example, if a meteor falls from the sky and crushes your house, as long as your policy doesn’t exclude it, you’re covered.

20% of the Dwelling (Other Structures) – The “other structures” part of the policy refers to all other buildings on your property that are not attached to your house. For example, your jacuzzi, swimming pool, detached garage, barn, garden shed, as well as fencing are all considered other structures. The standard policy will only provide up to 10% coverage max. The enhanced one provides coverage of up to 20%. 

Guaranteed Replacement Cost (Dwelling) – This means that the insurance company will pay whatever it costs to rebuild your home.

(Medical Payments for Others) – The coverage extended by the standard and enhanced policies are the same.

Peace of Mind Insurance Solutions

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. 

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North Carolina Renters Insurance Policy

It is important to have renters insurance for your rental property because most apartment, townhome, and condo communities nowadays require it. This will help cover any damages done by you or other tenants in case of an emergency such as fires that may occur while someone has been smoking inside your place!

  • Replacing your belongings - Computers, furniture, TVs, and even your clothing.
  • Other living expenses - This can include the costs associated with living somewhere else while your apartment is being fixed.

Your peace of mind is our priority. That's why we offer a renters insurance policy that will provide you with coverage in the event of a fire, burglary, or other situations to make sure everything’s covered no matter what happens!

Frequently Asked Questions

Frequently Asked Questions

How can an independent insurance agency help with my home insurance?

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)


How can I get a quote for North Carolina homeowners or renters insurance?

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. 

I just bought a new home in North Carolina. How do I pay for homeowners 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.

I started using my house for short-term rental (air-BNB), do I need different insurance?

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.

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.

What is the average cost of homeowners insurance in 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. 

How much of my watches, valuables, and jewelry are covered?

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.

Does regular home 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 the national flood insurance program type of coverage.

I bought a new home, how do i pay for home 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.

What does North Carolina renters 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.

What is the difference with Home insurance with an insurance agent vs. independent insurance agency?

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 

What is the best cheap renters insurance in NC?

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.