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

Homeowners Insurance in Wilmington, NC | Built for Coastal Life

Your home is likely your most valuable asset, but if you live in Wilmington or anywhere along coastal North Carolina, you also know it comes with unique risks. From hurricanes and flooding to rising insurance costs and policy gaps, homeowners in our area face real concerns.

At American Harbor Insurance, we help you take the guesswork out of protecting your home. We provide personalized homeowners insurance in Wilmington, NC, designed for families, individuals, and property owners in New Hanover County, Brunswick County, and nearby communities. We’ve been doing this for over 30 years, so we know the risks, the local regulations, and the best ways to protect your investment.

Because we’re an independent agency, we partner with multiple trusted insurance providers—not just one. That means you get access to quotes and policy options from across the market, all tailored to your property, budget, and coverage goals.

We also help you prepare for what many agents overlook: storms. From wind and hail protection to policy clarity before hurricane season, we’ve helped hundreds of families in our area recover from the unexpected—and we’re ready to help you do the same.

Here’s how we make protecting your home simple:

1. Call us or stop by to talk about your home.

We’ll ask the right questions and help you understand your risks and requirements.

2. We shop multiple carriers to compare quotes.

You’ll see clearly what’s covered, what’s optional, and what makes the most sense.

3. You get confident coverage that’s built to last.

Sleep better knowing your home is protected by a policy built just for you.

Don’t wait until you’re facing a claim to determine if your coverage is enough.
Call today and get a homeowners insurance quote from a local agent who knows what to look for.

FAQs

What does homeowners insurance typically cover?

Most policies include protection for your home’s structure, personal belongings, liability for injuries, detached structures (like garages or sheds), and temporary living expenses if your home becomes unlivable due to a covered event.

Is wind and hail coverage included in Wilmington-area homeowners policies?

Often, yes—but it may require a separate endorsement or policy through the North Carolina Joint Underwriters Association (NCJUA) in coastal areas. We’ll help you understand what’s included and what you need to add.

Do I need flood insurance if I already have homeowners insurance?

Yes. Standard homeowners insurance does not cover flooding. If you live in Wilmington or the surrounding areas, flood insurance is highly recommended and often required by lenders.

How much coverage do I need for my home?

We’ll help you estimate the cost of rebuilding your home and replacing your belongings, so you’re fully protected, not underinsured. We also discuss optional coverages like replacement cost vs. actual cash value.

Can I bundle my homeowners insurance with other policies?

Yes. Bundling your home and auto insurance is one of the best ways to save. We’ll review your full insurance picture to help you maximize value and simplify coverage.

Can you help with storm preparedness or claims after a hurricane?

Absolutely. We’ve helped homeowners recover after many major storms in coastal NC. We’ll make sure your policy is storm-ready, and if something happens, we’re here to guide you through the claims process.

Is homeowners insurance required in North Carolina?

While it’s not required by law, most mortgage lenders require it. Even if you own your home outright, protecting against fire, liability, storms, and theft is essential.

How long does it take to get a quote?

In most cases, we can provide a same-day quote. Give us a call with your property details, and we’ll do the comparison shopping for you.