Shallotte Home Insurance
From in-town homes near the Shallotte Riverwalk to beach houses on Holden, Ocean Isle and Sunset, our Main Street office insures South Brunswick homes and gets buyers to closing with the right policy in place.
From in-town homes near the Shallotte Riverwalk to beach houses on Holden, Ocean Isle and Sunset, our Main Street office insures South Brunswick homes and gets buyers to closing with the right policy in place.
Shallotte sits on the mainland behind three island towns: Holden Beach, Ocean Isle Beach and Sunset Beach. A Shallotte home and a Holden Beach home can land in different rating territories, with different companies willing to write them and different deductibles once they do.
In town, two things help. The Shallotte Fire Department earned an ISO Class 2 rating, up from Class 4. ISO rates fire protection from 1 (best) to 10, and the Town notes that only 15 of the 1,533 departments rated in North Carolina hold a Class 2. Many insurers use that score as one factor in pricing a home. Ask us which fire district your address sits in, since a Shallotte mailing address doesn't always mean the Shallotte Fire District.
On the islands, the conversation changes to wind and water. Hurricane Isaias came ashore at Ocean Isle Beach on the night of August 3, 2020. The National Weather Service reported damaging storm surge along the south-facing Brunswick coast, including Holden Beach and Ocean Isle Beach, with dunes destroyed and significant beach erosion. That is the risk a beach house carries every season: wind on one policy, surge on another.
Wind and flood get the attention, but in early October 2026 the N.C. Forest Service fought the Quarry Road #2 Fire near Bricklanding Road and Old Georgetown Road in the Shallotte area. Brunswick County reported no injuries or structural damage. Homeowners policies cover fire, including wildfire, but they don't cover a home that's underinsured. If your dwelling limit is low, a total fire loss is where you find out.
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. We write them for full-time homes in town and in the neighborhoods off Main Street, NC 130 and Holden Beach Road.
Private wind or the Coastal Property Insurance Pool when the main policy excludes wind. On the South Carolina side, the SC Wind and Hail Underwriting Association.
NFIP and private flood, including higher limits for larger island homes.
Dwelling policies (DP-1, DP-3) with loss-of-rent coverage for Holden, Ocean Isle and Sunset Beach rentals.
For condo and townhome owners whose association insures the building.
Extra liability from $1 million, which rental owners should have.
4702 Main St, Shallotte, NC 28470 · (910) 754-4366 · Monday to Friday, 8:30am to 5pm.
The Shallotte office is led by Curt Pritchard, who has 20 years of insurance experience and works closely with local realtors, so buyers can get a quote early and close on time. Every client works with a licensed advisor, and we compare more than 100 insurance companies. Sizemore Insurance is an independent, family-owned agency founded in Wilmington in 1977, licensed in North Carolina, South Carolina and other states.
See also: North Carolina Home Insurance, statewide rules and coverage.
It can. Many insurers use the ISO fire protection rating as one factor in home pricing, and Class 2 is among the best in the state. The rating applies to the fire district, so the effect depends on where your home sits and how your company rates it.
If you have a mortgage in a high-risk flood zone, your lender will require it. Even if you don't, storm surge from Isaias reached homes along this coast. Flood isn't covered by a homeowners policy, and most new NFIP policies have a 30-day wait.
As soon as you're under contract. Beach homes often need two or three policies (main, wind and flood), and inspections or roof questions can take time. We work with local realtors to keep closings on schedule.
Yes. Sizemore is licensed in South Carolina. Homes there are written under South Carolina rules, and coastal wind may go through the SC Wind and Hail Underwriting Association.
Yes. Fire, including wildfire, is a covered peril on standard homeowners forms. The question is whether your dwelling limit is high enough to rebuild.
Statewide average base rates rose 7.5% on June 1, 2026, under the settlement between the Department of Insurance and the Rate Bureau. Your own change depends on your territory, roof, claims and limits.
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.