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2024

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Best Renters Insurance Companies in Wilmington, NC

Our Recommended Top 11

We did the research for you!

  • Licensing
  • User Reviews
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Our goal is to connect people with the best local professionals. We scored Wilmington renters insurance companies on more than 25 variables across five categories, and analyzed the results to give you a hand-picked list of the best.

47Reviewed

32Curated

11Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

2390 Carolina Beach Rd, Suite 101, Wilmington, NC 28401
WebsiteLicense: 6612123

Expertise.com Rating

Review Sources

Google
4.8 (123)
Yelp
4.0 (4)

Why choose this provider?

Superior Insurance offers renters' insurance in the Wilmington area, covering liabilities and personal belongings in the event of a loss. It also offers policies for auto, home, and business clients. For residential customers, it has products that cover disasters such as flood and wind as well as coastal, landlord, and homeowners’ policies. In addition, It provides products from A-rated insurance companies that have the capability to meet their obligations. The firm has more than 50 years of industry experience.

  • Multiple Policy Types

51 S End Ct, Hampstead, NC 28443
WebsiteLicense: 1000385167

Expertise.com Rating

Review Sources

Google
5.0 (128)
Facebook
5.0 (25)

Why choose this provider?

April Jones Insurance is an independent agency that serves clients in Wilmington and nearby areas. It offers renters' insurance that provides financial protection for policyholders against the loss or destruction of their possessions. The agency also provides insurance products that cover automobiles, natural disasters, and businesses. It works with multiple carriers, such as Attune, Hiscox, and Lloyd's, to provide coverage options that suit the needs and goals of clients. Founder April Jones was a captive insurance agent in the metro before establishing her own agency.

  • Multiple Carriers
  • Multiple Policy Types

4037 Masonboro Loop Rd, Suite 2A, Wilmington, NC 28409
WebsiteLicense: 1000001940

Expertise.com Rating

Why choose this provider?

American Harbor Insurance offers policies to renters in the Wilmington metro. The company's renters' policies provide coverage in the event that the property gets damaged. These policies cover the loss of valuables such as laptops, family heirlooms, bicycles, and electronics. The company also offers the option of bundling renter's insurance with the client's existing auto insurance. Locally owned and independent, American Harbor Insurance has been covering clients for 30 years.

  • Home and Auto Insurance

432 Eastwood Road, Ste 100, Wilmington, NC 28403
WebsiteLicense: 10424405

Expertise.com Rating

Review Sources

Google
4.9 (182)
Facebook
4.8 (57)
Yelp
5.0 (5)

Why choose this provider?

Rob Cutting is an insurance agent serving Wilmington. He offers a range of products, including auto, business, home, health, life, and property insurance. His other products and services include annuities, banking, and mutual funds. One of his core products is renters' insurance, which provides financial coverage and protection to tenants and their personal possessions. Cutting received numerous accolades for his service, such as the State Farm Ambassador Club, Senior Vice President Club, and Honor Club.

  • Multiple Policy Types

5704 Oleander Dr. Suite 101, Wilmington, NC 28403
WebsiteLicense: 15125627

Expertise.com Rating

Why choose this provider?

Stephen Owens Agency, a member of the Highland Insurance Group, is an insurance brokerage with locations in Wilmington and Burgaw. It offers a broad range of products, including renters' insurance. This includes coverage for scenarios like property damage and personal liability. The company also crafts policies for homes, cars, life, health, and businesses. E. Stephen Owens, the president of the brokerage, began his insurance career as an associate agent in 1993. He later established Stephen Owens Agency in 2000.

  • Multiple Policy Types
  • Multiple Carriers

3009 Market St, Wilmington, NC 28403
WebsiteLicense: 6582487

Expertise.com Rating

Review Sources

Google
4.9 (23)

Why choose this provider?

AAC Insurance Group is a family-owned and family-operated insurance business based in the Wilmington metro. The company offers a wide variety of insurance services for multiple carriers catering to each clients' different needs and situations. With more than 25 years of combined insurance, its staff assists tenants and renters in getting renters' home insurance products that may give coverage to their personal properties and liabilities. AAC Insurance Group has been in the insurance business for over 29 years.

  • Multiple Policy Types

1908 Eastwood Rd, Ste 320, Wilmington, NC 28403
WebsiteLicense: 1000125919

Expertise.com Rating

Review Sources

Google
4.9 (42)
Facebook
4.6 (29)

Why choose this provider?

The Huneycutt Group provides clients in Wilmington with a broad range of insurance products. One of its insurance plans offers renters protection for their personal belongings and against property liability. The agency also extends its services to individuals and businesses looking for insurance for homes, condominiums, motorcycles, RVs, boats, and commercial properties. The independent agency has been serving the insurance needs of the community for more than 40 years. It works with multiple insurance carriers to offer clients a wide selection of coverages.

  • Multiple Policy Types
  • Home and Auto Insurance

1613 Military Cutoff Road Suite 200, Wilmington, NC 28403
WebsiteLicense: 1000564580

Expertise.com Rating

Review Sources

Google
4.7 (55)

Why choose this provider?

Finpoint Insurance Group offers renters' insurance policies for those living in Wilmington and nearby communities. It teaches first-time tenants about different risks and coverages to consider, such as natural disasters and accidental property damage. It can also review the policies of current clients to find missing coverages like medical liability for guests. The group can process applications and directly link clients to multiple nationwide carriers. These include international companies like America Modern, Progressive, and GeoVera Insurance. its other products include flood and RV insurance.

  • Home and Auto Insurance

3538 South College Road Suite #1, Wilmington, NC 28412
WebsiteLicense: 1000004876

Expertise.com Rating

Review Sources

Google
4.9 (9)

Why choose this provider?

Southeastern Insurance, Inc., is a family-owned company in Wilmington. For over 20 years, it has provided a wide range of products to meet clients’ needs, including renters’ insurance. It helps tenants find coverage for their personal belongings and liability protection when their rented property is damaged. It represents various carriers and assists clients in filing for claims. Southeastern Insurance also provides auto, commercial, health, life, marine, and recreational insurance. In addition, it offers annuities and bonds.

  • Multiple Policy Types

Suite 1 J, Wilmington, NC 28403
WebsiteLicense: 7687702

Expertise.com Rating

Review Sources

Google
5.0 (3)

Why choose this provider?

Brent Brooks Agency, Inc., serves clients throughout Wilmington and the surrounding communities. This insurance agency provides various insurance products, including renters' insurance policies. These policies offer protection for damaged or stolen belongings, liability coverage for injured guests, and additional living expenses if the rented property becomes uninhabitable due to a covered loss. As representatives of Horace Mann, its team of insurance agents focuses on providing co-educators with comprehensive insurance products and financial services. It also offers auto, life, and supplemental insurance products.

  • Multiple Carriers

929 S. College Road, Wilmington, NC 28403
WebsiteLicense: 1000358942

Expertise.com Rating

Review Sources

Google
5.0 (6)

Why choose this provider?

The Barber Insurance Group offers policies to clients in the Wilmington area. Tenants in rental properties can get added protection for incidents that are not covered by their landlord's property insurance. The firm's renters' insurance provides compensation for damaged or stolen personal items and injuries that occur inside the residence. The company also provides insurance for homes and vehicles like autos, boats, motorcycles, and RVs. In addition, businesses can get coverage for professional liability suits and workers' compensation claims.

  • Multiple Policy Types

Compare our Top Renters Insurance Companies

NameExpertise RatingAddressPromotionsLearn more
Superior Insurance
2390 Carolina Beach Rd, Suite 101, Wilmington, NC 28401
April Jones Insurance
51 S End Ct, Hampstead, NC 28443
American Harbor Insurance
4037 Masonboro Loop Rd, Suite 2A, Wilmington, NC 28409
Rob Cutting
432 Eastwood Road, Ste 100, Wilmington, NC 28403
Stephen Owens Agency
5704 Oleander Dr. Suite 101, Wilmington, NC 28403
AAC Insurance Group
3009 Market St, Wilmington, NC 28403
The Huneycutt Group
1908 Eastwood Rd, Ste 320, Wilmington, NC 28403
Finpoint Insurance Group
1613 Military Cutoff Road Suite 200, Wilmington, NC 28403
Southeastern Insurance, Inc.
3538 South College Road Suite #1, Wilmington, NC 28412
Brent Brooks
Suite 1 J, Wilmington, NC 28403
Barber Insurance Group
929 S. College Road, Wilmington, NC 28403

Wilmington, NC Renters Insurance FAQs

  • What can policyholders in Wilmington add to their existing renters' insurance?

    Policyholders in Wilmington are advised to add an endorsement to their existing renters' insurance to protect their valuable belongings, such as personal collections, artwork, and jewelry. They can obtain coverages that go beyond the standard policy, such as water backup, which can pay for water removal services and protect items destroyed due to broken sump pumps or busted drain systems. They can also add personal injury coverage to cover legal fees and compensation if they are found to be liable for defamation or slander.

  • What is the difference between renters' and homeowners' insurance in Wilmington?

    In Wilmington, renters' insurance protects tenants' personal belongings from damage or theft but excludes coverage for the building's structure, which is the property owner's responsibility. Homeowners' insurance, bought by property owners, covers the entire property, including the dwelling's structural elements like doors, walls, floors, and roofs. Homeowners are responsible for their property's entirety, making this insurance more comprehensive and expensive. Renters' insurance is more affordable, focusing solely on personal possessions. These differences lead to varied costs and coverage scopes for renters and homeowners in Wilmington.

  • How can the loss of use coverage help renters' policyholders in Wilmington?

    Renters in Wilmington can use their loss of use coverage to cover their usual living expenses if their home becomes uninhabitable due to damage caused by covered perils such as a volcanic eruption, electrical current, or falling objects. Meals, short-term rentals, and warehouse storage may be included in these costs. However, loss of use is limited to 20% of the personal property, and policyholders must submit receipts or other proof to their insurance companies in order to be reimbursed.

  • In Wilmington, can individuals share their renters' insurance policy with their roommates?

    A standard renters' insurance policy in Wilmington can cover the holder's roommates if they are relatives. However, sharing renters' insurance is discouraged because policyholders do not have the right to sue their roommates if they cause damage to their personal property. As a result, roommates, particularly those who are not related, are advised to obtain their own renters' insurance.

  • Where to report a renters' insurance fraud in Wilmington?

    Residents in Wilmington who suspect renters' insurance fraud can call the North Carolina Department of Insurance's Criminal Investigations Division at 919-807-6840 or go to the Albemarle Building, 325 N. Salisbury Street, Raleigh, NC, 27603-5926. They can also file an insurance fraud report online or by fax at 919-715-1156. Insurance fraud is a felony offense, and those found guilty may face jail time, fines, and the obligation to repay all money obtained.

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