Leland Home Insurance
Coverage for Leland's new neighborhoods and older homes along the river, from our office at the Shops at West Gate.
Coverage for Leland's new neighborhoods and older homes along the river, from our office at the Shops at West Gate.
Leland had 13,527 residents in the 2010 Census and 22,908 in 2020. The town's own figures put it at 33,065 now, and the town notes that the Census Bureau now counts Brunswick as the fastest-growing county in North Carolina. That growth shows up on the ground in Brunswick Forest, Magnolia Greens, Westport and the neighborhoods along U.S. 17 and N.C. 133 (River Road). The town recently rezoned about 515 acres along U.S. 17 between the Westgate shopping area and Brunswick Forest.
A lot of Leland homes are new, which helps with roofs and wiring. It also means a lot of first claims, first renewals and first HOA disputes.
Leland sits across the Cape Fear River from downtown Wilmington, about 10 minutes away by the town's estimate. The weather is the same weather. In 2018 Hurricane Florence came ashore as a Category 1 storm, and the town says several days of rain and sustained wind caused major damage across every part of Leland. The NWS recorded an 84 mph gust on I-140 near the Cape Fear River.
Belville sits next door on the Brunswick River, part of what the town calls the northern gateway to Brunswick County, about five miles from the port of Wilmington. Insurance there works the way it does in Leland. Belville is in Brunswick County's "coastal area" for the Coastal Property Insurance Pool, and flood is never part of a homeowners policy. If your home is near the river, check your lot on the state's Flood Risk Information System and talk to us about flood coverage before a storm is on the way. Our Leland office serves Belville homeowners.
A homeowners policy has four main parts: the dwelling, your belongings, liability if someone is hurt on your property, and additional living expenses if a covered loss forces you out during repairs. That's true in a golf community, a townhome near the river or a new build. HO-3 fits most Leland houses. HO-5 adds broader protection for belongings, often a fit for newer, higher-value homes.
For units where the HOA master policy covers part of the building. We read the master policy with you.
Coverage that lines up with the builder's policy, so the home is never uninsured between closing and move-in.
A separate wind policy when the main policy excludes it, including through the Coastal Property Insurance Pool.
NFIP policies cover up to $250,000 for the building and $100,000 for contents. Private flood can go higher.
Extra liability above your home and auto, from $1 million.
Every client works with a licensed advisor, and we compare more than 100 insurance companies. Our three Wilmington offices are across the river if that's closer to your work.
See also: North Carolina Home Insurance, statewide rules and coverage.
Yes. Brunswick County is one of the 18 coastal counties served by the Coastal Property Insurance Pool. Leland is in the "coastal area," where the pool writes wind and hail and homeowners policies.
It depends on the association's master policy. Some cover only common areas and amenities; townhome and condo associations may cover some or all of the building. The master policy decides whether you need a full homeowners policy or an HO-6.
If you have a federally backed mortgage on a home in a special flood hazard area, your lender will require it. Outside those zones it's optional, and often worth it. Check your lot on the town's Flood Zone Map, and remember the 30-day NFIP waiting period.
Enough to rebuild the house at today's construction cost. That's usually less than the sale price because it leaves out the land, but more than many people guess.
Statewide average base rates rose 7.5% on June 1, 2026. Your coverage limits, claims and the company's pricing also matter. We compare companies at renewal.
At 1105 New Pointe Blvd, Suite 4, in the Shops at West Gate. Call (910) 383-9945.
Every client works with a licensed Sizemore advisor. We compare more than 100 insurance companies and recommend the one that fits. Request a quote online in about two minutes, or call us at (910) 791-1011, Monday through Friday, 8:00 AM to 5:00 PM.