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About Me

I specialize in leveraging 50+ insurance carriers to secure competitive premiums for high-risk coastal properties, helping clients close deals where others fall short. By working closely with underwriters, I negotiate strategic solutions for high risk, high-value homes and condos, ensuring my clients get the best possible coverage in challenging markets. My 24 years of expertise extends to guiding real estate professionals and homeowners through the entire insurance process, making transactions seamless from quote to closing.

Beyond my career, I’m a proud mother of two wonderful adult children and a devoted grandmother who believes you can never spoil a grandchild too much!

2025’s first project is a greenhouse women’s Bible club, rooted in the Acts church model—gathering, sharing the Word, and breaking bread together.

Let’s connect and make things happen!

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Connecticut
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North Carolina
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All Locations > Heidy Ayers - Senior Account Executive

We'll search for your best rate from over 100+ top carriers.

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Helpful Resources

Car Insurance 101: Your Guide to Insurance

Car insurance protects you financially if you are in an accident or if your vehicle is lost or stolen. If you are still making payments to a lender or leasing a vehicle, car insurance protects the lender’s asset: the vehicle.

Learn More

Homeowners Insurance 101: FAQS

The Definitive Guide to Homeowners Insurance. Learn more and get your home insured.

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Guaranteed Rate Insurance customer removes belongings from a flooded home flood insurance

Everything You Need to Know About Flood Insurance

Are you protected if there’s major flooding in your home? You might assume that your basic property insurance covers water damage due to flooding — but often it’s not included.

Learn More

What our customers are saying...

Heidi was able to give me an awesome quote for homeowners insurance in a matter of minutes!! She listened to our needs and guided us toward the perfect coverage.
Heidy is incredibly helpful and I’d highly recommend her to anyone looking for insurance. She was a huge help after Hurricane Ian and continually followed up until my needs are met. Her service is best in the industry. Definitely give her a shot next time you’re shopping. Thanks Heidy.
Heidy was great to work with! She responded quickly and had the quote in my email within minutes! She took the time to explain each section within the policy, which was so helpful because it's my first time insuring a home. She also saved me alot monthly by bundling my vehicles in as well. Highly recommend!

About Rate Insurance

As a national insurance brokerage, Rate Insurance serves customers in all 50 states and represents over 100 top-rated insurance carriers. We understand that it is our job to listen, to be proactive and to act quickly with purpose. We are experts in our industry taking a consultative approach to sales and service, adding value and creating a trusted partnership with our carriers and our customers.
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