(910) 392-0880 | 4037 Masonboro Loop Rd, Suite 2A, Wilmington NC 28409 | Mon-Fri: 9AM-5PM

Insurance should feel personal, not puzzling

Most people know they need insurance, but few feel confident about it. You might wonder if you’re paying too much, if you’re fully protected, or if you’ll get the help you need when something goes wrong. Maybe you’ve experienced long phone queues, confusing policies, or a lack of follow-up from big-name insurance providers.

You shouldn’t have to figure it all out alone.

At American Harbor Insurance, we believe you deserve a local insurance partner who listens, explains, and walks with you through every step. As an independent insurance agency in Wilmington, NC, we’re not tied to any one provider.

That means we can compare plans from multiple trusted companies to help you find the right protection at the best possible price.

We live here, too. Our team has over 30 years of experience serving New Hanover County, Brunswick County, and communities across coastal North Carolina. We know how to prepare for hurricane season, protect coastal properties, and respond when life doesn’t go as planned.

Here’s how we make it easy:

1. Call us or stop by.

We’ll listen, ask the right questions, and learn what you’re looking to protect.

2. We compare quotes.

As an independent agency, we shop multiple providers for you, saving you time, money, and guesswork.

3. You get the right coverage.

Feel confident knowing you’ve got the protection you need from people who care.

Whether you’re protecting your home, your vehicle, or your belongings, American Harbor Insurance is here
to make the process personal, local, and easy. Give us a call today and experience insurance done differently.

Insurance Options We Offer

Homeowners Insurance

Your home is likely your largest investment. Whether you live near the beach, in the city, or on a quiet street in Brunswick County, we’ll help you find homeowners insurance in Wilmington, NC that covers storm damage, fire, theft, and liability—backed by providers we trust.

Auto Insurance

From coastal drives to city commutes, you deserve car insurance that fits your lifestyle. We help drivers across Wilmington and beyond find auto insurance that offers the right level of protection for their vehicles, families, and budgets.

Flood Insurance

Even if you’re not right on the water, flood insurance in coastal NC is a must. We’ll explain your options—from FEMA-backed policies to private flood plans—and help you choose the right coverage for your property.

Boat Insurance

Boating is a way of life in Wilmington. We’ll help you cover your vessel, equipment, and passengers with boat insurance in North Carolina that keeps you afloat no matter what comes your way.

Renters Insurance

If you rent an apartment, condo, or house in Wilmington or the surrounding areas, we’ll help you protect your valuables from theft, fire, or accidents. Our renters insurance options are affordable, customizable, and easy to bundle.

Give us a call today and experience insurance done differently.

FAQs

What types of insurance do you offer?

We offer personal insurance for homeowners, drivers, renters, boat owners, and flood-prone properties throughout Wilmington and coastal NC.

What is an independent insurance agent?

We’re not tied to one company, so we can shop around and compare multiple policies for you. This gives you more choices—and often better rates.

Do you serve areas outside of Wilmington?

Yes! We work with clients throughout New Hanover County, Brunswick County, and across coastal North Carolina.

Can you help me switch insurance providers?

Absolutely. We’ll guide you through the process and make sure there are no gaps in your coverage.

How long does it take to get a quote?

In most cases, we can provide same-day quotes. We’ll ask you a few questions and do the comparison shopping for you.

Will I pay more to work with an agent?

Not at all. Our services are free to you. We’re paid by the insurance providers and always advocate for your best interest.

Can you help me bundle policies for better savings?

Yes—we often help clients bundle homeowners, auto, or renters insurance to unlock discounts.

How does American Harbor Insurance help with storm coverage in coastal North Carolina?

We’ve helped hundreds of families recover from hurricanes and major storms. With 30+ years of experience in Wilmington, we know how to find policies that include wind, hail, and flood coverage—and we’ll be here to help you file claims if the unexpected happens.