Living as a Homeowner in Wilmington
Wilmington, NC blends historic charm, thriving neighborhoods, and easy access to Wrightsville Beach, Carolina Beach, and Kure Beach. From downtown riverfront homes to suburban properties and coastal retreats, owning a home here comes with unique opportunities—and risks. That’s why having the right homeowners insurance is essential.
Why Homeowners Insurance Matters in Wilmington
As a coastal city, Wilmington faces specific challenges that your policy should address:
- Hurricane & Tropical Storm Risk – High winds, storm surge, and heavy rain can cause serious damage.
- Flooding – Properties near the Cape Fear River or low-lying areas are more vulnerable.
- Wind & Hail Damage – Storms can impact roofing, siding, and windows.
- High Property Values – Ensure coverage keeps pace with rising rebuild costs in the region.
Core Homeowners Insurance Coverages
- Dwelling Coverage – Protects the structure of your home—roof, walls, foundation—from covered perils like hurricanes, hail, and fire.
- Personal Property Coverage – Covers belongings like furniture, electronics, and clothing, even when temporarily away from home.
- Liability Protection – Covers costs if someone is injured on your property or you cause accidental damage.
- Additional Living Expenses (ALE) – Pays for temporary housing and living costs if your home is uninhabitable after a covered loss.
- Optional Add-Ons – Flood insurance, equipment breakdown coverage, and extra protection for high-value items.
How Sizemore Insurance Helps Wilmington Homeowners
We’re an independent insurance company, meaning we shop multiple top-rated carriers to find the best fit for your home and location. Our process:
- Compare rates from multiple trusted carriers
- Customize coverage based on your home’s location—whether downtown, in a beach community, or inland
- Explain hurricane and windstorm deductibles clearly
- Find discounts through bundling home, auto, and other policies
- Review coverage annually to make sure it keeps pace with your needs
Tips for Wilmington Homeowners
- Add Flood Insurance – Most homeowners policies don’t cover flooding.
- Check Your Hurricane Deductible – Know your out-of-pocket cost before a storm.
- Protect Against Wind Damage – Keep roofing and siding in good shape.
- Bundle Policies for Savings – Combine home and auto to lower costs.
Protect Your Wilmington Home Today
At Sizemore Insurance, we understand the challenges of coastal living. We’ll help you build a policy that’s clear, reliable, and tailored to your home and lifestyle.
Start your quote online today or call (910) 791-1011 to speak with a Sizemore Insurance advisor.