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Steve Owings

Owings Insurance Agency Inc

1332 North Bridge Street
Elkin, NC 28621-2304

Between FNB and Basin Creek Realty, .5 mile south of 268 Bypass on N. Bridge St.

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  • 20+ years in the insurance industry

  • 14 years as the local State Farm Agent in Elkin, NC

  • Past President & current member of the Yadkin Valley Chamber of Commerce

  • Former Board Chairman of the Yadkin Valley United Fund

  • Volunteer Youth Leader for Elkin Valley Church

  • Member of the Elkin City Schools Business Advisory Council

  • Serving State Farm customers in North Carolina & South Carolina

  • Clemson University Alumni

  • Focus on relocations to Elkin and the Yadkin Valley area

  • Call our office for a free auto insurance quote

  • We provide personalized life insurance quotes

  • Providing homeowners insurance in Elkin and the surrounding Yadkin Valley

  • Providing homeowner & auto insurance in South Carolina

  • Auto insurance quotes provided 24/7 by calling our office

Insurance Products Offered

Auto, Homeowners, Condo, Renters, Personal Articles, Business, Life, Health, Pet

Other Products

Banking, Mutual Funds, Annuities

Office Hours

8:30am - 5pm
After Hours by Appointment
Call us 24 hours a day!
1332 North Bridge Street
Elkin, NC 28621-2304
Map & Directions
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Our mission is to be the leading insurance and financial services provider in Elkin and the Yadkin Valley area. We offer auto, home, life, and health insurance. We also offer numerous financial services products to help our customers plan for their future.

Our team brings over 30 years of experience in insurance and over 25 years of State Farm experience to our office.

Sandra W Brown State Farm Agent Team Member

Sandra W Brown

Office Manager

Sandra has been a part of this agency for over 20 years.  She has a passion for people and truly has a servant's heart.  Sandra and her husband Dale are both Elkin natives and they enjoy spending time in the mountains and time with their cats.  Sandra has a wealth of knowledge in auto insurance, homeowners insurance, and life insurance products.  Sandra would love to help you and your family address all of your insurance needs.  Please give her a call today!!


Melissa Shoemaker

Office Representative

Melissa and her husband Josh are originally from upstate New York, but have lived in the Yadkin Valley region since 2010. Melissa has a heart for people and goes out of her way to make everyone feel welcome in our agency. Melissa focuses on serving our existing policyholders and does so with compassion and concern for all we serve. Melissa completed her degree from Liberty University in 2021 and her greatest passion is her family. She and Josh have a daughter who is in graduate school at the University of Maryland and a daughter who is a student at Appalachian State University. When not at work, Melissa and Josh enjoy spending time training their horse, volunteering at their church, Elkin Valley Church, and most of all spending time with their girls. Please reach out to Melissa with any questions you have regarding any existing policies or to see what you need to do to become part of our agency.


Cory Combs

Multiple Line Representative

Cory Combs is a life time resident of Elkin and joined our agency in 2017.  He is a 2011 graduate of Western Carolina University.  Cory and his wife Brooke enjoy spending time with friends and are very active in their church, Elkin Valley Church, where Cory serves as the Young Adults Minister.  Cory has a great knowledge of auto insurance, homeowners insurance, life insurance, and business/commercial insurance.  Cory would love the opportunity to help you and your family or your business with all of your insurance needs.  Please give Cory a call today.