Insurance in Brunswick County, NC
Home, auto, flood and business insurance across Brunswick County, from three local offices in Leland, Shallotte and Southport.
Brunswick County grew about 28% from 2020 to 2025, the fastest of any North Carolina county, to an estimated 174,702 residents (US Census Bureau). Bolivia is the county seat (Brunswick County).
The county runs from the Cape Fear River to the South Carolina line, with the Lockwoods Folly and Shallotte rivers, the Intracoastal Waterway and a chain of barrier island beaches in between. We have three offices here so no one has to drive far.
Towns we serve in Brunswick County
Leland, Southport, Shallotte, Oak Island, Ocean Isle Beach, Sunset Beach, Holden Beach, Calabash, Boiling Spring Lakes, Bolivia. Our advisors write home, auto, flood and business insurance in every one of them.
What makes Brunswick County different for insurance
- Brunswick County is one of the 18 coastal counties where the Coastal Property Insurance Pool writes wind and hail coverage (NCIUA).
- Unincorporated Brunswick County is a Class 8 community in FEMA's Community Rating System, worth 10% off eligible NFIP policies (FEMA).
- Oak Island, Sunset Beach and Holden Beach are Class 6 (20%), and Ocean Isle Beach, Southport and Leland are Class 7 (15%, FEMA).
- Brunswick County joined the National Flood Insurance Program in 1986 (Brunswick County).
- Hurricane Hazel's storm surge reached 18 feet at Calabash in October 1954 (National Weather Service), and swept away 352 of the 357 structures on Long Beach, now Oak Island (NC Department of Natural and Cultural Resources).
- Hurricane Florence breached the Sanford Dam at Boiling Spring Lakes in 2018, draining the city's lakes (WECT).
Home, auto, flood and life in Brunswick County at a glance
Home insurance
Typical yearly cost with us: $2,668 for a home insured for $250,000 to $400,000, from our own Brunswick County homeowner clients' in-force policies. See every town.
Brunswick County homes split into beach-area homes on the islands and coastal-area homes on the mainland, and the pool rates them differently (NCIUA). A separate wind policy carries its own deductible (NCDOI), and qualifying roofs can earn mitigation credits (NCDOI). Fast growth means a lot of newer homes, and we make sure their construction details are on every quote.
We always include wind and hail
Every home policy we place includes wind and hail. When the insurance company excludes wind, we write the wind coverage separately through the Beach Plan or another company, so you're never left without it.
Home insurance in North Carolina
What rental owners pay in Brunswick County
The typical yearly premium our own Brunswick County clients pay for rental and dwelling fire policies. See every town.
Distance to the water| Dwelling coverage | Typical yearly premium |
|---|
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Enter your premium to see how it compares.
Beachfront: within a quarter mile of the ocean. Near the water: within a mile of the ocean, a sound or the Intracoastal Waterway. Inland: more than a mile from the ocean and the sounds. Typical means the median: half of policyholders pay less, half pay more. Includes any separate Beach Plan wind policy. Source: Sizemore Insurance clients' in-force rental dwelling policies as of October 10, 2026, not a survey or national average (how we got these numbers). Not a quote.
Auto insurance
Typical yearly cost with us: $1,127 for one vehicle with comprehensive and collision coverage, from our own Brunswick County drivers' in-force policies. Liability only costs less. See every town.
Brunswick drivers cover long distances on US 17, US 74/76 and NC 211, and many commute to Wilmington over the Cape Fear Memorial Bridge (City of Wilmington). Tickets and at-fault accidents add surcharges under the Safe Driver Incentive Plan (NCDOI).
Auto insurance in North Carolina
Flood insurance
Our Brunswick County homeowner clients who carry flood with us pay a typical $718 a year for it.
Homeowners policies do not cover flood (NCDOI). NFIP discounts range from none in Shallotte to 20% in Oak Island, Sunset Beach and Holden Beach, so the town on your address matters (FEMA).
Flood insurance in North Carolina
Life insurance
Life insurance replaces your income, pays off a mortgage or covers final expenses for the people who count on you. We write term, whole and other fixed life insurance for families and business owners, and a licensed advisor compares insurance companies for you.
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Business insurance in Brunswick County
Brunswick's growth keeps builders, landscapers and service businesses busy, its beach towns run on visitors, and the two-reactor Brunswick Nuclear Plant sits near Southport (Brunswick County). We insure contractors, landscapers, restaurants, rental owners and HOAs across the county.
Commercial insurance we place in Brunswick County
Business owners policies (BOP) and general liability
Customer injuries and property damage claims. A BOP packages liability with property for eligible small businesses.
Get Quote NowCommercial property
Your building, equipment and inventory, including wind, named storm and ordinance or law coverage.
Get Quote NowWorkers' compensation
Coverage for employees hurt on the job, plus help with certificates and the year-end audit.
Get Quote NowEmployer's liability
Lawsuits over employee injuries that fall outside workers' compensation. It is usually part of the workers' compensation policy.
Get Quote NowProfessional liability (E&O)
Claims of errors or negligence in the advice or work you provide.
Get Quote NowProfessional offices
Dentists, lawyers, accountants and medical offices: office property, general liability, professional liability and workers' compensation together.
Get Quote NowShopping centers and strip malls
Retail buildings with several tenants: the buildings, parking lot liability, lost rent, wind and flood.
Get Quote NowLessor's risk only (LRO)
For owners who lease their building to a tenant: the building, lost rent and the owner's liability.
Get Quote NowTrucking
Owner-operators and fleets: commercial auto, cargo, physical damage and federal filings.
Get Quote NowContractors
General contractors and trades: general liability, workers' compensation, tools and equipment, and builders risk.
Get Quote NowRestaurants and bars
General liability, liquor liability, property, equipment and workers' compensation.
Get Quote NowHOAs and condo associations
Master policies, common areas, wind, flood and directors and officers liability.
Get Quote NowYour Local Office
Leland Office
1105 New Pointe Blvd, Ste 4, Leland, NC 28451
Phone: (910) 383-9945
Hours: Monday to Friday, 8:30 AM to 5:00 PM
Team: Paul Whithead (Insurance Advisor)
Get directions
Shallotte Office
4702 Main Street, Shallotte, NC 28470
Phone: (910) 754-4366
Hours: Monday to Friday, 8:30 AM to 5:00 PM
Team: Curt Pritchard (Insurance Advisor), Tracy Evans (Commercial Insurance Advisor)
Get directions
Southport Office
701 N. Howe St., Suite 1, Southport, NC 28461
Phone: (910) 448-4818
Hours: Monday to Friday, 8:00 AM to 5:00 PM
Team: Deanna Matthews (Insurance Advisor), Tom Tully (Insurance Advisor), Curt Pritchard (Insurance Advisor)
Get directions
Common Questions
How much is home insurance in Brunswick County?
Our own Brunswick County homeowner clients pay a typical $2,668 a year for a home insured for $250,000 to $400,000, including a separate Beach Plan wind policy for the homes that have one. Island and mainland homes are rated differently, so we price each one on its own.
How much is car insurance in Brunswick County?
Our Brunswick County drivers pay a typical $1,127 a year for one vehicle with comprehensive and collision coverage. Liability only costs less.
How much is flood insurance in Brunswick County?
Our Brunswick County homeowner clients who carry flood with us pay a typical $718 a year for it. Your price depends on elevation, distance to water and your community's CRS discount.
Which Brunswick County towns get the biggest flood discount?
Oak Island, Sunset Beach and Holden Beach are CRS Class 6, worth 20% off eligible NFIP policies. Leland, Southport and Ocean Isle Beach are Class 7 for 15%, and unincorporated Brunswick County is Class 8 for 10%.
Where are your Brunswick County offices?
We have three: Leland on New Pointe Boulevard, Shallotte on Main Street, and Southport on North Howe Street.
Keep Reading
- Insurance in Leland, NC
- Flood insurance in Leland
- Insurance in Southport, NC
- Flood insurance in Southport
- Insurance in Shallotte, NC
- Flood insurance in Shallotte
- Home insurance in North Carolina
- Auto insurance in North Carolina
- Business insurance in North Carolina
- Flood insurance
- How much is home insurance in coastal North Carolina?
- How much is car insurance in Wilmington and coastal NC?
Sizemore Insurance is an independent insurance company founded in North Carolina in 1977, with eight offices from Charlotte to the coast. Tell us about your home, your cars and your business, and a licensed advisor will compare more than 100 insurance companies to find the coverage that fits. Insurance made just for you.
Sources: US Census Bureau, city and town population estimates, Vintage 2025; Brunswick County, Government Center; NC Insurance Underwriting Association, coastal county notice; FEMA, CRS eligible communities, effective October 1, 2026; Brunswick County, Floodplain Management; NOAA National Weather Service Wilmington, Hurricane Hazel; NC Department of Natural and Cultural Resources, Hurricane Hazel; WECT, Boiling Spring Lakes after Florence (Sept. 20, 2019); NC Department of Insurance, Windstorm and Hail; NC Department of Insurance, Fortified Homes and Mitigation Credits; City of Wilmington, Cape Fear Memorial Bridge grant; NC Department of Insurance, Safe Driver Incentive Plan; NC Department of Insurance, Flood Insurance; Brunswick County, Brunswick Nuclear Plant. Typical (median) premiums: Sizemore Insurance clients' in-force policies as of October 2026, not a survey or a quote.
Forms, exclusions, endorsements, and availability vary by insurance company. This page is general information, not a policy or legal advice. Review your own policy or talk to your advisor.
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