Serving 4 Counties & 25+ Towns

Local Insurance In
Your Neighborhood.

Select your location below for personalized quotes. Proudly serving Northwest North Carolina families since 2004.

Coverage You Can Count On

Coverage Stats

4 Counties
25+ Towns
1K+ Families
20 Years

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We cover the entire state of North Carolina. Call to confirm.

(336) 835-1993

Why Choose a Local NC Agent?

Insurance needs in North Carolina are unique. From the mountain roads of Wilkes County to the growing communities in Surry and Yadkin, you need an agent who understands the local landscape.

National call centers treat you like a number. At Bill Layne Insurance, located right here in Elkin, we treat you like a neighbor. We know which carriers offer the best rates for your specific zip code and can advise on local risks like hail damage or rural property coverage.

Common Local Questions

While not all areas in Surry County are high-risk, localized flooding can happen anywhere. Standard homeowners policies do not cover flood damage. We recommend checking your specific flood zone, especially near the Yadkin River or Ararat River basins.
Insurance rates can vary by zip code based on factors like traffic density, crime rates, and weather risks. However, the difference between Wilkesboro and Elkin is typically minimal. Your personal driving record and credit history have a much larger impact than the county line.
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