Insurance in Leland, NC
Home, auto, flood and business insurance for Leland and the Brunswick County side of the river, from our office on New Pointe Boulevard.
Leland is the fastest-growing town of its size in North Carolina. Among towns with at least 10,000 people, it grew faster than any other from 2020 to 2025, to an estimated 35,731 residents (US Census Bureau).
Leland sits just across the Cape Fear River from Wilmington, and many residents commute over the Cape Fear Memorial Bridge (City of Wilmington). Fast growth and a daily commute both shape how homes and cars get insured here.
What makes Leland different for insurance
- The Census Bureau puts Leland's growth at about 53% from its April 2020 base to July 2025 (US Census Bureau).
- The Town of Leland joined FEMA's Community Rating System at Class 7, which gives most NFIP flood policies issued or renewed on or after October 1, 2024 a 15% discount (Town of Leland, FEMA).
- Brunswick County, which includes Leland, is one of the 18 coastal counties where the Coastal Property Insurance Pool writes wind and hail coverage (NCIUA).
- The town enforces floodplain rules in FEMA flood hazard areas, including elevating or flood proofing buildings, and offers GIS flood maps to residents (Town of Leland).
- A rain gauge in Belville, next to Leland, measured 11.85 inches during Hurricane Matthew in October 2016 (National Weather Service).
- Many Leland commuters reach Wilmington over the Cape Fear Memorial Bridge, which carries about 70,000 vehicles a day (City of Wilmington).
Home, auto, flood and life in Leland at a glance
Home insurance
Typical yearly cost with us: $2,437 for a home insured for $250,000 to $400,000, from our own Leland homeowner clients' in-force policies. See every town.
With so much recent growth, many Leland homes are newer, and newer construction can qualify for mitigation credits on the wind part of the premium (NCDOI). Leland is in the coastal area, so a separate wind policy with its own deductible is common (NCDOI). We compare the full package, not just the homeowners piece.
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.
What rental owners pay in Leland
The typical yearly premium our own Leland 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: $1,312 for one vehicle with comprehensive and collision coverage, from our own Leland drivers' in-force policies. Liability only costs less. See every town.
Most Leland drivers commute, and a lot of that traffic funnels across the Cape Fear Memorial Bridge (City of Wilmington). Tickets and at-fault accidents add surcharges under North Carolina's Safe Driver Incentive Plan (NCDOI). Liability and uninsured motorist coverage are both required in North Carolina (NCDOI).
Flood insurance
Our Leland homeowner clients who carry flood with us pay a typical $592 a year for it.
Your homeowners policy does not cover flood (NCDOI). Leland's CRS Class 7 rating means most NFIP policies in town get 15% off (Town of Leland), and private flood is worth comparing for newer, well-built homes.
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 Leland
Leland's growth means steady work for builders, landscapers, plumbers and electricians, plus new HOAs forming in each subdivision. We write general liability, workers comp, commercial auto and HOA master policies for businesses on both sides of the river.
Commercial insurance we place in Leland
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
Common Questions
How much is home insurance in Leland, NC?
Our own Leland homeowner clients pay a typical $2,437 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. Your price depends on your home, its age and the coverage you choose.
How much is car insurance in Leland?
Our Leland drivers pay a typical $1,312 a year for one vehicle with comprehensive and collision coverage. Liability only costs less. Your drivers, vehicles and record set your actual price.
Does Leland get a flood insurance discount?
Yes. The Town of Leland is a Class 7 community in FEMA's Community Rating System, which gives most NFIP flood policies issued or renewed on or after October 1, 2024 a 15% discount. Private flood policies price on their own terms.
Is Leland in the Beach Plan area?
Leland is in Brunswick County, one of the 18 coastal counties the Coastal Property Insurance Pool serves. Most of Leland is in the coastal area rather than the beach area. We check the regular market first.
Where is your Leland office?
Our Leland office is at 1105 New Pointe Blvd, Suite 4, open Monday to Friday, 8:30 AM to 5:00 PM. Call (910) 383-9945.
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; City of Wilmington, Cape Fear Memorial Bridge grant; Town of Leland, floodplain management; FEMA, CRS eligible communities, effective October 1, 2026; NC Insurance Underwriting Association, coastal county notice; NOAA National Weather Service Wilmington, Hurricane Matthew; NC Department of Insurance, Fortified Homes and Mitigation Credits; NC Department of Insurance, Windstorm and Hail; NC Department of Insurance, Safe Driver Incentive Plan; NC Department of Insurance, Auto and Vehicle Insurance; NC Department of Insurance, Flood Insurance. 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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