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

A Wilmington, NC Insurance Agency That Treats You Like a Neighbor—Because You Are

Insurance isn’t just about paperwork and premiums—it’s about peace of mind. And when something goes wrong, you don’t want to call a stranger in a call center. You want to talk to someone who knows your name, understands your community, and is ready to help.

That’s exactly what you get at American Harbor Insurance.

We’re a locally owned, independent insurance agency based in Wilmington, NC. With more than 30 years of combined experience in our office, we’ve built our reputation on providing honest advice, responsive service, and personal relationships. We serve clients across New Hanover County, Brunswick County, and coastal North Carolina, helping them find the right insurance for their homes, vehicles, watercraft, and belongings.

Because we’re independent, we’re not tied to one company. Instead, we compare quotes and coverage from multiple trusted insurance providers to find the policy that fits you best, whether that means better coverage, a lower premium, or both.

Our team lives and works in the same communities we serve. We understand the risks that come with coastal living, and we’re proud to help our neighbors protect what matters most—before, during, and after life’s unexpected events.

We’re not here to pressure you. We’re here to help. Call us today, and let’s talk about the kind of insurance service you’ve been missing.

Our Staff

Paul Badrock, founder of American Harbor InsurancePaul Badrock

Paul founded American Harbor Insurance in 2004 to serve the needs of the community. Even though Paul grew up in Durham, his family has called Wilmington home for many years. Paul prides himself on serving the Wilmington community, through both American Harbor and by volunteering his time. He is an avid supporter of both UNC Chapel Hill and UNC Wilmington, sits on the board of the Seahawk club, and regularly gives back to the local police and fire departments. After more than 20 years in the insurance business, Paul knows how to analyze your situation and match you with the exact policy that is a perfect fit for your insurance and financial needs. Paul’s goal is to make sure that you get the maximum coverage for your money and the highest level of service.

Paul is committed to being hands-on, both at home and in the office. He is raising a family alongside his wife, Kim. Together they have two children. He is a former UNC student and ardent fan of the Tar Heels. His Daughter, Ellie, will be following in his footsteps and attending UNC Chapel Hill beginning in the fall of 2025.

Karen Crooks of American Harbor InsuranceKaren Crooks

Karen has worked in the insurance business since she was first licensed in 2004.

She was born and raised in Richlands, NC, but she and her husband, Kevin, now live in Castle Hayne, NC.

Karen’s first position was an outside sales representative for Aflac in Duplin, Onslow, and New Hanover counties.

However, after years of honing her insurance expertise, Karen found her way to American Harbor Insurance in 2010 and has been a valuable asset to both our company and our customers.

Karen will find the best insurance options that fit your needs, from home to auto to flood insurance.

Catherine Larson of American Harbor InsuranceCatherine Larson

Catherine is an independent agent who works with clients to insure all of their assets are covered. She began with American Harbor Insurance in July 2015 as an office manager but saw the value in obtaining her personal lines license so that she could better assist the sales staff and clients.

Over the years, she has helped to grow the agency and now works as the Operations Director, managing various aspects of the agency business.

Catherine first moved to Wilmington to attend UNCW. After majoring in International Business, job opportunities took her away from the Port City while she navigated the fast-paced demands of a career in logistics.

She returned to Wilmington in 2010 with her husband and two children. Catherine loves to spend time out on the water, or exploring new food locations with friends.

Patricia Outland of American Harbor InsurancePatricia Outland

Patricia was born and raised in Wilson County, N.C. She moved to Ivanhoe, N.C. in 2011 and has resided there since.

She started her career in the insurance field in 1999 and received her property and casualty license in 2000.

She began working with American Harbor Insurance in January 2019.

Patricia has been committed to provide excellent customer service for over 24 years and her calming demeanor adds tremendous value to our agency.

Outside of work, Patricia enjoys playing and spoiling her fur babies and spending time with her fiancée Eric and family.

Aimee Conley of American Harbor InsuranceAimee Conley

Though she’s called many states home, Aimee found her true coastal paradise in North Carolina over 14 years ago. After trading Chicago’s busy suburbs for Carolina Beach’s sandy shores in 2011, she’s built her life here with her husband Patrick and their spirited rescue pup, JollyMon.

As someone who chose coastal Carolina living herself, Aimee understands the unique insurance needs of North Carolina homeowners. While maintaining her thriving personal training business, she earned her property and casualty license in 2020 and immediately found her second calling with American Harbor Insurance.

Aimee’s expertise extends to commercial businesses and residential developers throughout New Hanover County, but her passion lies in helping homeowners protect what matters most.

When you work with Aimee, you’re partnering with a passionate local who truly understands what makes North Carolina living special—and knows exactly how to protect it.

Nancy Fisher of American Harbor InsuranceNancy Fisher

Nancy was born and raised in Springfield, Missouri, where she raised 2 wonderful kids.

She moved to Carolina Beach in 2012 and loves the salt life.

She is a licensed agent for property and casualty in North Carolina since 2015.

She started working for American Harbor Insurance in 2023 and has been a valuable asset with her knowledge of the insurance business and excellent customer service.

In her off time, Nancy enjoys line dancing, fishing, and of course, the beach.

JD Hodges of American Harbor InsuranceJD Hodges

J.D. Hodges, III brings over two decades of leadership and investment experience to American Harbor.

Prior to joining the firm, he spent more than 15 years in commercial and residential lending, with a strong focus on investment management, real estate, and fostering meaningful client relationships.

J.D. holds bachelor’s degrees in Economics and Business Management from NC State University (Go Pack!).

He is passionate about helping clients navigate complex financial decisions and takes pride in building relationships grounded in trust and transparency.

Outside the office, J.D. is actively involved in his community, enjoys spending time with his family, and is dedicated to cultivating an impressive saltwater aquarium.

Ellie Graham of American Harbor InsuranceEllie Graham

Ellie Graham is a licensed Customer Service Representative at American Harbor, where she works closely with clients to ensure they have the best possible coverage.

She graduated from East Carolina University in May 2021 with a degree in Business Management.

After college, Ellie Graham followed her sense of adventure and moved out west, spending time in Colorado and Wyoming. Not only did she master skiing down black diamond runs, but she also learned how to problem solve and connect with people from all walks of life.

Originally from North Carolina, Ellie Graham has since returned home and is currently pursuing her MBA in Marketing at UNCW.

Outside of work, she enjoys being outdoors, offshore fishing with her dad, and planning her next trip!

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FAQs

How long has American Harbor Insurance been in business?

Our team has over 30 years of combined experience in the insurance industry, serving individuals and families throughout Wilmington and coastal North Carolina.

What makes your agency different from others in Wilmington?

We offer personal service, quick response times, and honest advice. You’ll always speak to a real person who knows your name, not a robot or out-of-town rep.

Do you work with specific insurance companies?

We’re independent, which means we partner with many trusted providers. This allows us to compare options and find the best match for your needs—not sell a one-size-fits-all product.

Are your agents local?

Yes. Our team lives here in Wilmington and understands the challenges of coastal living, from flood risks to hurricane season.

Can I get help in person or is everything done online?

You can visit us in person. We believe insurance is best handled through real conversations and relationships, not just email threads and online forms.

Do you only work with homeowners?

Not at all. We help renters, drivers, boat owners, landlords, and more. If you need personal insurance coverage in North Carolina, we can help.

Can you help if I’ve had bad experiences with past insurance companies?

Yes, and we hear that a lot. We’re here to help you feel informed, empowered, and confident—especially if you’ve felt overwhelmed or overlooked.