About Us

Good insurance coverage sometimes comes down to who you have for an agent. When it comes to the team at Pamela H. Owenby Insurance, Inc. is Asheville, NC, you can rest easy knowing that your best interests are being kept at the forefront of everything we do. Take a moment to meet our insurance agents and find out why they are the right fit for you or your business.

Meet Pamela

Pamela holding a sadleAt twelve years old, Pamela read an article about Asheville and the Smokey Mountain Parkway and declared to her Texas family that she would live there one day. So, this short Texan moved to North Carolina in her early twenties and married a mountain man. She served Western North Carolina (WNC) in real estate, home manufacturing, and trust administration. Her vast knowledge of construction, financial services, and real estate empowers her to be the best at protecting your assets.

Pamela decided she would be an insurance agent after having a serious insurance claim on a commercial building and learning the hard way she wasn’t adequately covered. After the dust settled, she realized people need an agent who will take the time to explain and offer coverage for the “what ifs” that sometimes happen. An agent that will tell you “the good, the bad, and the ugly” to be sure you understand what you have or don’t have with your insurance plan.

For over twenty-two years, this cowgirl owned and operated agency has been protecting the assets of WNC. The foundation of Pamela Owenby Insurance is Pamela truly caring about the insurance needs of others and a passion to serve every policyholder with excellence. Call her today to discuss your insurance needs.


Meet Michele

Michele smilingMichele is not your typical insurance agent. Although she is always helping others manage risk, she has been skydiving, Class VI whitewater rafting on the Upper Gauley River, and has repelled off of a 200-foot tower. One of her greatest thrills was, while serving in the United States Air Force, riding in an F-16 fighter jet completing rolls, touch-n-goes, and pulling 3Gs.

Friends and family often laugh that she may look like a crème-puff but, “she’s no crème puff.” She is fiercely competitive, an expert marksman, and was named Airman of the Year for the Columbus Air Force Base during her enlistment. This drive and determination for excellence comes through every day as she helps clients get the best coverage at competitive pricing that usually exceeds their expectations.

Michele has been with the agency since March of 1998, serves as Vice President, and would love to help you CYA–cover your assets! Call her today to review coverage at (828) 277-5432 or email her at Michele@phoinsurance.com.

Contact us to learn more about our agents and how they are dedicated to helping you get the coverage you need. We are ready to assist individuals and companies located throughout the Asheville, North Carolina, area.