Insuring an Older or Historic Home on the North Carolina Coast
Older and historic coastal homes raise roof, wiring, and rebuild-cost questions insurers care about. Here is what to expect and how to keep coverage...
Read articleWe are an Independent Insurance Agency Serving ALL of North Carolina
Our goal is to make the process of obtaining insurance as easy and hassle-free as possible.
North Carolina Coastal Insurance offers the most affordable insurance products and services to the Brunswick, New Hanover, Onslow, Pender and all additional counties along Coastal North Carolina. As a locally based agency in Wilmington, NC, we understand the unique needs of our coastal residents allowing us to customize insurance packages at a low cost, while not sacrificing coverage or quality.
Whether you are looking for only one type of insurance such as auto, home, or marine, or you require a package to include extreme weather coverage, hurricane or flood insurance, we can assist you! Our experienced associates are available 8am-8pm 7 days a week to assist you with any questions or concerns.
How Can We Help?
Choose the type of insurance you need below and get a free quote today.
Home Insurance
A homeowners insurance policy is a multi-peril policy, which means it combines property and casualty coverages in the same policy.
Auto Insurance
Auto insurance is an incredibly important piece of the insurance puzzle that you need to have – and in North Carolina your needs may often be very specific.
Wind & Hail Insurance
North Carolina Wind and Hail Insurance is a critical component of protecting your home, automobiles, and other precious assets.
Condo Insurance
Insuring your condominium's interior and personal property with an HO-6 from most potential hazards, is a great way to know that your investment is protected.
Flood Insurance
Flood insurance is a smart way to protect your belongings from devastating financial loss when wet weather hits.
Tenant Occupied Insurance
When your house is rented to others, a DP-3 policy makes sure that your home and liability are covered in case something happens while you are not living there.
Umbrella Insurance
An umbrella policy is extra liability insurance that you can purchase. It was created to help protect you from major claims and the result helps protect your assets and your future.
Builder's Risk Insurance
When building a new home, Builders Risk Coverage ensures that your future home is protected while in the course of construction.
Commercial Insurance
General Liability, Business Owners Coverage, Errors and Omissions are just a few ways to rest assured that you can concentrate more on the daily tasks of running the business.
From Our Blog
Coastal North Carolina insurance tips, storm-season guidance, and plain-language coverage explainers.
Condo and Townhome Insurance on the NC Coast: What Your HO-6 Really Covers
A beach condo needs an HO-6 policy plus the right wind and flood coverage. Here is what the master policy covers, what falls on you, and the gaps to...
Read articleNC Coastal Flood Zones Explained: What Your Zone Means for Insurance
Your FEMA flood zone shapes your flood risk, whether coverage is required, and how to plan. Here is what the coastal NC flood zones mean in plain...
Read articleSecond Home and Vacation Rental Insurance on the North Carolina Coast
A beach house, second home, or rental on the NC coast needs different coverage than your primary home. Here is what changes and how to insure it...
Read articleHow to File a Wind or Hurricane Damage Claim in Coastal NC
A step-by-step guide for coastal NC homeowners on filing a wind or hurricane damage claim, from documenting the damage to working with the adjuster.
Read articleWind vs. Flood Damage After a Hurricane: What Your NC Coastal Insurance Covers
After a coastal NC hurricane, wind and flood damage are paid by different policies. Here is how to tell them apart and make sure you are covered for...
Read articleHow to Lower Your Wind and Hail Premium in Coastal NC: FORTIFIED Roofs and Mitigation Credits
A FORTIFIED roof and wind-resistant upgrades can earn coastal NC homeowners premium credits, and grants may help cover the cost. Here is how it works.
Read articleCan You Buy or Change Insurance Right Before a Hurricane? NC Binding Restrictions Explained
Once a storm is named, most NC carriers stop writing or changing coverage. Here is how binding moratoriums work and why coastal homeowners should...
Read articleHurricane and Named-Storm Deductibles in North Carolina: What Coastal Homeowners Should Know
Named-storm deductibles in coastal NC are a percentage of your home's insured value, not a flat fee. Here is how they work, what triggers them, and...
Read articleCoastal NC Hurricane Season Prep: The Insurance Checklist to Do Now
Hurricane season builds through late summer and fall on the NC coast. Here is the insurance checklist every Wilmington-area homeowner should finish...
Read articleThe HO-3 Policy Form is the most utilized homeowners insurance policy nationally
It's the most comprehensive coverage you can buy for your home insurance protection. It protects the home from hazards such as Fire, Water Damage,...
Read articleDoes my mortgage require me to have Wind and Hail insurance Coverage?
Yes. All mortgage companies and banks require it. In most parts of the country, the traditional home insurance policy HO-3 includes Wind and Hail...
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We work with the most popular and experienced companies in the industry.
