  We investigate photoproduction of charged $\rho$ off the nucleon using
$\rho(770)+\pi(140)$ Regge pole exchanges by considering the $\rho$-meson
electromagnetic multipole moments. The significance of the Ward identity at the
$\gamma\rho\rho$ vertex is emphasized for current conservation in the process.
Given $\pi$ exchange with the well-known coupling constants for $\gamma\pi\rho$
and $\pi NN$, we analyze the role of the $\rho$ exchange in the $\gamma p\to
\rho^+n$ and $\gamma n\to\rho^-p$ processes without model-dependences except
for the magnetic moment $\mu_{\rho^\pm}=\pm2.01$ and electric quadrupole moment
${\cal Q}_{\rho^\pm}=\pm0.027$ fm$^2$ taken from theoretical estimates. The
nondiffractive feature of both cross sections is reproduced with a rapid
decrease beyond the resonance region by the dominance of $\pi$ exchange over
the $\rho$\,. % Cross sections for differential and density matrix elements are
presented to compare with existing data. The parity and photon polarization
asymmetries are predicted to demonstrate the apparent roles of the $\rho$-meson
electromagnetic multipole moments.
