Insurance in Southport, NC
Home, auto, flood and business insurance for Southport and the mouth of the Cape Fear, from our office on North Howe Street.
Southport sits where the Cape Fear River meets the ocean, and river pilots based near Fort Johnston have guided ships past its shoals for generations (City of Southport). About 4,434 people lived here in July 2025 (US Census Bureau).
Southport was Brunswick County's seat from 1808 until a 1975 vote moved it to Bolivia (Brunswick County). Its historic homes, waterfront location and storm history all show up in what it costs to insure them.
What makes Southport different for insurance
- The eye of Hurricane Fran crossed Bald Head Island and Southport around 8:30 PM on September 5, 1996, as a Category 3 storm with winds near 115 mph (National Weather Service).
- Rain gauges near Southport measured 27.44 inches at Sunny Point and 22.57 inches at Caswell Beach during Hurricane Florence in 2018 (National Weather Service).
- The City of Southport is a Class 7 community in FEMA's Community Rating System, giving eligible NFIP flood policies a 15% discount (FEMA).
- Brunswick County, which includes Southport, is one of the 18 coastal counties where the Coastal Property Insurance Pool writes wind and hail coverage (NCIUA).
- The Brunswick Nuclear Plant, about two miles north of Southport, has two reactors with a combined 1,870 megawatts (Brunswick County).
- Southport's maritime economy has included naval stores, cotton shipping, menhaden fishing and shrimping (City of Southport).
Home, auto, flood and life in Southport at a glance
Home insurance
Typical yearly cost with us: $3,216 for a home insured for $250,000 to $400,000, from our own Southport homeowner clients' in-force policies. See every town.
Older homes near the water need careful attention to replacement cost, roof age and wind coverage. A separate wind and hail policy carries its own deductible (NCDOI), and qualifying roofs and construction can earn mitigation credits (NCDOI). We check that your dwelling limit would actually rebuild a historic home.
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 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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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: $1,246 for one vehicle with comprehensive and collision coverage, from our own Southport drivers' in-force policies. Liability only costs less. See every town.
Many Southport drivers commute to Leland or Wilmington, so mileage and the vehicles you drive matter. North Carolina requires liability and uninsured motorist coverage (NCDOI), and the minimum limits are 50/100/50 for policies written or renewed on or after July 1, 2025 (NCDOI).
Flood insurance
Our Brunswick County homeowner clients who carry flood with us pay a typical $718 a year for it.
Your homeowners policy does not cover flood (NCDOI). Southport's CRS Class 7 rating trims 15% from most NFIP policies in the city (FEMA), and private flood can add loss of use and higher limits for homes that need them.
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 Southport
Southport's waterfront shops, restaurants, marinas and rental properties share the same coastal exposure as the homes around them. We write property, liability, business interruption and workers comp, and we check flood for every waterfront business.
Commercial insurance we place in Southport
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
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)
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Common Questions
How much is home insurance in Southport, NC?
Our own Southport homeowner clients pay a typical $3,216 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. Older and waterfront homes can cost more.
How much is car insurance in Southport?
Our Southport drivers pay a typical $1,246 a year for one vehicle with comprehensive and collision coverage. Liability only costs less. Your drivers, vehicles and record set your actual price.
Does Southport get a flood insurance discount?
The City of Southport is a Class 7 community in FEMA's Community Rating System, which gives eligible NFIP flood policies a 15% discount. Private flood policies are priced separately by each insurance company.
Is Southport in the beach area or the coastal area?
Brunswick County is one of the 18 coastal counties the Coastal Property Insurance Pool serves, and the pool rates land south and east of the inland waterway as the beach area. Which side your home falls on depends on the address, so we check it for you.
Where is your Southport office?
Our Southport office is at 701 N. Howe St., Suite 1, open Monday to Friday, 8:00 AM to 5:00 PM. Call (910) 448-4818.
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: City of Southport, history; US Census Bureau, city and town population estimates, Vintage 2025; Brunswick County, history; NOAA National Weather Service Wilmington, Hurricane Fran; NOAA National Weather Service Wilmington, Hurricane Florence; FEMA, CRS eligible communities, effective October 1, 2026; NC Insurance Underwriting Association, coastal county notice; Brunswick County, Brunswick Nuclear Plant; NC Department of Insurance, Windstorm and Hail; NC Department of Insurance, Fortified Homes and Mitigation Credits; NC Department of Insurance, Auto and Vehicle Insurance; NC Department of Insurance, auto rating changes effective July 1, 2025; 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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