Wilmington Home Insurance
Home coverage for Wilmington and the rest of New Hanover County from the agency that started here in 1977, with three offices in town.
Home coverage for Wilmington and the rest of New Hanover County from the agency that started here in 1977, with three offices in town.
Most Wilmington homes sit inland from the beaches, but they still get coastal weather. Hurricane Florence made landfall at Wrightsville Beach on the morning of September 14, 2018. The National Weather Service recorded a 105 mph gust at Wilmington International Airport, and the slow storm kept raining for two days. The airport measured 23.02 inches. A gauge 3.7 miles south of the city measured 30.10 inches.
Wind and flood are two separate problems with two separate answers. Wind is covered by a homeowners policy unless the company excludes it, and many companies near the coast do. Flood is never covered by a homeowners policy. It needs its own policy.
The older storm people here still talk about is Hurricane Fran in 1996. The NWS lists Fran as the last major hurricane, Category 3 or stronger, to make landfall in North Carolina. Its storm tide reached 10 to 12 feet at Figure Eight Island and Wrightsville Beach, and the tide gauge at Wilmington read 5.5 feet.
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 holds whether the house is downtown near the river, near the beaches or inland. HO-3 is the standard form for most Wilmington houses. HO-5 adds broader protection for your belongings.
Covers your unit's interior, your belongings and your liability. Read the association's master policy first, so you know where its coverage stops.
When your main policy excludes wind, a separate wind and hail policy fills the gap, 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.
Dwelling policies for long-term rentals, and coverage that fits the city's short-term lodging rules.
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.
See also: North Carolina Home Insurance, statewide rules and coverage.
Yes. New Hanover County is one of the 18 coastal counties served by the Coastal Property Insurance Pool. Mainland Wilmington is in the pool's "coastal area," where it offers wind and hail and homeowners policies.
Your lender may not require it. Florence dropped more than 23 inches of rain at the airport, and New Hanover County has mapped advisory flood areas that are not on FEMA's maps. A policy outside a high-risk zone usually costs less, and there's a 30-day wait.
It depends on the policy, so ask before you list it. The city requires short-term lodging operators to carry at least $500,000 of commercial general liability per occurrence. We set up the policy that matches how the home is used.
Statewide average base rates rose 7.5% on June 1, 2026. Your roof, your claims, your coverage limits and the company's own pricing also play a part. Comparing companies is how we find room.
It covers wind damage unless wind is excluded, usually with a separate hurricane deductible. Storm surge and rising water are flood, and need a flood policy.
We have three: Oleander at 4815 Oleander Dr, Suite 101, Midtown at 2508 Independence Blvd, Suite 200, and Porters Neck at 8024 Market St #4, all in Wilmington. Any of them can handle your policy, and each is open Monday to Friday.
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.