Living as a Homeowner in Belville
Belville, NC is a charming Brunswick County town, just minutes from Wilmington and the Cape Fear River. With its small-town community feel, proximity to the coast, and growing neighborhoods, Belville offers a great balance of convenience and coastal living. Whether you own a riverfront property, a home in a newer subdivision, or a cozy single-story inland, homeowners insurance is essential to protect your investment.
Why Homeowners Insurance Matters in Belville
Living in Belville means enjoying the benefits of coastal proximity—along with the need to prepare for unique risks:
- Hurricane & Tropical Storm Threats – The town’s location near the Cape Fear River and the coast increases exposure to strong winds and heavy rain.
- Flooding Risks – Storm surge and river flooding are possible, especially during hurricane season.
- Wind & Hail Damage – Seasonal storms can cause roof and siding damage.
- Rising Rebuild Costs – As construction costs climb, coverage should reflect your home’s current replacement value.
Core Homeowners Insurance Coverages
- Dwelling Coverage – Protects the physical structure of your home, including roof, walls, and foundation, against covered events like wind, fire, and hail.
- Personal Property Coverage – Covers belongings such as furniture, electronics, and clothing—both inside and outside your home.
- Liability Protection – Helps cover costs if someone is injured on your property or if you cause accidental damage to someone else’s property.
- Additional Living Expenses (ALE) – Pays for temporary housing and other expenses if your home is uninhabitable after a covered loss.
- Optional Coverages – Flood insurance, equipment breakdown, and other endorsements for expanded protection.
How Sizemore Insurance Helps Belville Homeowners
As an independent insurance company, we provide you with options—not limitations. We:
- Compare rates from multiple top-rated carriers in one place
- Tailor coverage to your home’s location and specific risk factors
- Explain hurricane and windstorm deductibles so there are no surprises
- Offer bundling discounts for home, auto, and other policies
- Review your policy regularly to ensure you’re fully protected
Tips for Homeowners in Belville
- Review Your Policy Every Year – Ensure coverage matches current rebuild costs.
- Don’t Skip Flood Insurance – Even if not required by your lender, it’s a smart move in a coastal town.
- Bundle for Savings – Combine multiple policies to lower your premium.
- Stay Storm-Ready – Maintain your roof, windows, and yard to reduce potential storm damage.
Protect Your Belville Home Today
At Sizemore Insurance, we understand Belville’s unique coastal and riverfront risks—and how to find the right coverage at the best price.
Start your quote online today or call (910) 791-1011 to connect with a Sizemore Insurance advisor.