Expertise.com

2024

Last updated:

Best Homeowners Insurance Agencies in Wilmington

Our Recommended Top 12

We did the research for you!

  • Licensing
  • User Reviews
  • Mystery Shopping Calls

Our goal is to connect people with the best local professionals. We scored Wilmington Homeowners Insurance Agencies on more than 25 variables across five categories, and analyzed the results to give you a hand-picked list of the best.

68Reviewed

45Curated

12Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

2390 Carolina Beach Road Suite 101, Wilmington, NC 28401

Expertise.com Rating

Review Sources

Google
4.8 (88)
Facebook
5.0 (29)
Yelp
3.5 (3)

Why choose this provider?

Superior Insurance is an independent insurance agency in Wilmington that caters to North Carolina residents looking for home insurance, auto insurance, and commercial insurance. It provides exhaustive and anticipative homeowners' insurance policies that are specifically tailored to the needs and requirements of clients. Its team of agents has over 50 years of experience in the industry and is capable of assisting clients to optimize their policy structures. Superior Insurance caters to both English and Spanish-speaking clients.

  • Personal Property Insurance
  • Multiple Policy Types
  • Multiple Carriers

16406 U.S. 17, Hampstead, NC 28443

Expertise.com Rating

Review Sources

Google
4.9 (483)
Facebook
4.9 (67)
Yelp
2.5 (3)

Why choose this provider?

Brad Sizemore Insurance serves the Wilmington metro area and sells homeowners insurance products. This agency has been active for over 40 years and provides comprehensive assistance with the insurance purchase process. It offers coverage for physical dwellings, other properties, personal property, and a multitude of weather phenomena. It also provides liability coverage to homeowners, which can cover medical and legal costs if anyone is injured on one's property. Brad Sizemore Insurance insures cars, motorcycles, and boats as well.

  • Renter's Insurance
  • Multiple Policy Types
  • Multiple Carriers

4709 Oleander Drive, Wilmington, NC 28403

Expertise.com Rating

Review Sources

Google
4.4 (95)
Yelp
2.5 (10)

Why choose this provider?

Don Bullard Insurance is a provider servicing the Wilmington area and nearby locations. Its homeowners' insurance coverage mitigates losses in cases of fire and acts of nature. Medical costs for houseguests injured in the client's home are also covered. A homeowners' insurance also fulfills requirements in North Carolina for completing home loan payments. Homeowners in flood-prone areas have the option to add standard flood coverage in compliance with the National Flood Insurance Program (NFIP) requirements. Vandalism and theft losses can be reimbursed, including damage-related repairs.

  • Fire
  • Multiple Policy Types
  • Flood

4008 Oleander Drive, Wilmington, NC 28403

Expertise.com Rating

Review Sources

Facebook
5.0 (27)

Why choose this provider?

Able Auto and Cycle Insurance Inc. offers homeowners insurance in Wilmington to clients that need to protect themselves from various liabilities. It sells coverage for residences themselves to cover any repair or replacement costs if materials are damaged by water, fire, or natural disasters. Liability protection is available to protect clients in case they're sued by injured guests. Able Auto and Cycle Insurance Inc. offers insurance coverage for condominiums too. Renters insurance is available.

  • Renter's Insurance
  • Flood
  • Fire

7016 Market Street, Wilmington, NC 28411

Expertise.com Rating

Review Sources

Google
4.3 (27)

Why choose this provider?

Tim Moore - State Farm Insurance Agent is a Wilmington native that assists clients in different areas including home insurance. Moore helps homeowners acquire insurance plans that provide protection for personal belongings such as tools, lawn decorations, musical instruments, and sports equipment. Home insurance policies also cover property repair and replacement costs. Moore has been offering insurance solutions for more than 30 years. He provides assistance with state-to-state insurance transfers. The agent responds to clients' concerns 24 hours a day.

  • Renter's Insurance
  • Multiple Policy Types
  • Flood

1613 Military Cutoff Road, Wilmington, NC 28403

Expertise.com Rating

Review Sources

Google
4.5 (18)

Why choose this provider?

FinPoint Insurance Group is a Wilmington-based insurance agency that serves the coastal region of North Carolina. Its home insurance policy protects homeowners in case of damage from fire or storm damage. Additional coverage for flood, earthquake, and sewer backup may be processed separately. As an independent agency, the firm specializes in tailored solutions based on their clients' specific protection needs. The company started in 1989 as a Nationwide Insurance subsidiary called Hisbike Insurance Group and became fully independent in 2020 as FinPoint Insurance Group.

  • Multiple Policy Types

720 Market Street, Wilmington, NC 28401

Expertise.com Rating

Review Sources

Google
4.9 (97)
Facebook
4.2 (5)
Yelp
3.0 (2)

Why choose this provider?

Heinberg & Major Auto Insurance provides insurance options to residents and business property owners in Wilmington and the neighboring areas. Its homeowners' insurance policies have a wide range of coverages that the clients can choose from. The options include replacement cost coverage, special property coverage that protects high-value items such as jewelry, temporary living expenses, and comprehensive insurance coverage that protects the client's property in the case of damage due to fire, smoke, storms, vandalism, and theft.

  • Personal Property Insurance
  • Multiple Policy Types

1908 Eastwood Road, Wilmington, NC 28403

Expertise.com Rating

Review Sources

Facebook
5.0 (12)
Google
5.0 (3)

Why choose this provider?

The Huneycutt Group is a risk management company based in Wilmington that specializes in providing homeowners' insurance and other insurance products to the whole of North Carolina. For more than 40 years, the company has been working with reliable insurance providers to help its clients financially protect themselves and their homes from any threats. Its staff helps in insuring homes regardless of their location as well as educating their clients about their risks. The Huneycutt Group also offers to bundle its clients' auto and homeowners' insurance.

  • Renter's Insurance
  • Multiple Policy Types
  • Personal Property Insurance

3410 River Rd Ste 202, Wilmington, NC 28412
Website

Expertise.com Rating

Review Sources

Google
5.0 (3)
Yelp
5.0 (1)

Why choose this provider?

NC Coastal Insurance provides insurance options to residents and business property owners in Wilmington and the surrounding communities. The homeowners' insurance policy is composed of two sections which are property coverages and liability coverages. Property coverages provide protection for dwellings, other structures, personal property, and loss of use or additional living expenses. Liability coverages defend clients in the case of personal liability and medical expenses of guests injured while on the clients' property.

  • Personal Property Insurance
  • Flood
  • Multiple Policy Types

1508 Military Cutoff Road, Wilmington, NC 28403

Expertise.com Rating

Review Sources

Google
4.8 (43)
Yelp
5.0 (1)

Why choose this provider?

James E. Moore Insurance Agency, Inc., provides different types of insurance plans and coverage to residents in Wilmington. It offers a customized home insurance policy that protects both the property and the belongings inside it from risks like theft and fire. Its insurance agents also assist clients who are looking for complete insurance programs for auto, liability, and business property. James E. Moore Insurance Agency, Inc., represents insurance companies that are financially secure, such as American General Insurance Company, AmTrust, Burns & Wilcox, Foremost, and Guardian Life.

  • Personal Property Insurance
  • Multiple Policy Types

34 Covil Avenue, Wilmington, NC 28403

Expertise.com Rating

Review Sources

Google
4.7 (96)
Facebook
3.9 (14)

Why choose this provider?

Sheally Insurance Group is a North Carolina insurance agency serving clients in Wilmington and the surrounding areas. It offers comprehensive homeowners' insurance policies to residents seeking insurance protection for their homes. Its standard homeowners' insurance plan covers the dwelling and other structures, personal property, wind and hail, liability, and loss of use. It provides coverage for primary and secondary residences, coastal properties, mobile homes, and rental properties. Flood and scheduled property insurance may be added as supplementary policies. Combined insurances are also available.

  • Multiple Policy Types

29 South Kerr Avenue, Wilmington, NC 28403

Expertise.com Rating

Review Sources

Google
4.6 (38)
Facebook
5.0 (16)

Why choose this provider?

Atlantic Coast Insurance Agency offers homeowners insurance services in Wilmington. It sells policies that provision for replacement or repair costs if homes are damaged by disasters. It sells coverage for reimbursement in the case of theft or vandalism as well as liability coverage for cases of guest injury. Atlantic Coast Insurance Agency also helps clients to purchase the right kinds of coverage required by their financial institutions or because of loan terms. Coverage options are available for vehicles and businesses too.

  • Multiple Policy Types
  • Condos
  • Renter's Insurance

FAQs

  • Introduction

    Homeowners' insurance is a type of property insurance used by private property owners to protect their home and property from a range of risks and liabilities. It is also called home insurance.

    All homeowners' insurance policies cover the primary home on a property, meaning that most damage from weather, accidents, vandalism, and other events will be at least partially paid for by the insurance company. Many policies also include coverage for other structures, personal property, and some premises liability.

    It is not required by law that a homeowner purchases insurance for their property. However, if you have a mortgage, the lender will usually make purchasing a homeowners' policy a mandatory part of the loan process. Since the mortgage lender is essentially selling you the home, they require you to protect the investment.
  • What is the average cost of homeowners insurance in Wilmington?

    The average cost of homeowners insurance in Wilmington and other parts of North Carolina is $1,800 per year. Travelers is one of the most affordable home insurance companies in North Carolina. Its insurance policy costs an average of $734 annually. Other insurance companies with affordable insurance policies include Farm Bureau ($956) and State Farm ($989).

  • Is homeowners insurance expensive in Wilmington?

    Homeowners insurance plans in Wilmington and other parts of North Carolina are generally expensive. This is due to high property values and the increased risk of natural disasters in the area. Additionally, the cost of your insurance premium may vary depending on your credit score, claims history, the size and market value of your home, and the neighborhood crime rate.

  • Is homeowners insurance mandatory in Wilmington?

    Homeowners insurance is not mandatory in Wilmington. However, your lender may require you to have one if you have a mortgage. If you are renting a house, your landlord may require you to have renters insurance. Homeowners insurance could be necessary if you live in high-risk areas as it can protect you against liability in case an accident occurs that results in injuries or property damage.

  • How long does a homeowners insurance company have to settle a claim in Wilmington?

    As each claim is different, there is no specific time limit in which a homeowners insurance company must settle a claim in Wilmington. The length of time to settle a claim may vary depending on the specific details of the claim. However, the insurer must acknowledge receipt of your claim within 30 days.

  • What are the different types of homeowners insurance policies in Wilmington?

    HO-2 (homeowners broad form), HO-3 (homeowners special form), and HE-7 (homeowners enhancement form) are the common home insurance policies in Wilmington. These insurance policies are often purchased for single-family houses. Additionally, there are home insurance policies for rented properties, condominiums, and older homes. Theft, smoke, windstorms, riots, fire, and lightning are some of the perils covered by most home insurance.

  • What determines the price of homeowners insurance premium?

    The premium, or monthly cost, of your homeowners' insurance policy depends on several factors, including the value of your home and amount of coverage you choose. Your credit history and whether the property is in a higher risk area also play a role.

Related Articles

FeaturedState Farm home insurance reviews

State Farm Home Insurance Review 2023

Expertise ranks State Farm as the fifth-best homeowners insurance based on its affordable coverage and customizable policies....

FeaturedHomeowners insurance featured image

7 Best Homeowners Insurance Companies of 2024

Expertise analyzed the top home insurance providers in the country and found that Amica is the best insurer overall.