Wilmington Insurance Rates:

Wilmington, NC home insurance is approximately $529 to $718, about $44-$59/month. Our complete research shows customers can save upto $249 by comparing multiple quotes

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Wilmington Home Owner Insurance Quotes | Write a Review | Rates & Quotes Analysis
Liberty Mutual
Home Insurance Rate of $540/9 months for $175000-$200000 Coverage
Policy Holder Home Details :

Home Value : $195,000

3 Beds, 3 Baths 1840 sqft Vacation Property Constructed In 2000 with Stone Flooring, Shingles Roof, Slab Foundation, Wood siding, Brick Frame. Home Features Include Smoke Alarm, Circuit Breaker Electricals and Security by Monitoring Company

About Policy Holder:

54 Years old Married Male who has a Full Time Job with household income of $25-50,000 and has No Pets and is a Smoker

Additional Details :
  • 50-75% Mortgage Paid off

  • 500-549 Credit Score

  • Guests at home

Home Insurance Rate of $290/3 months for $250000-$300000 Coverage
Policy Holder Home Details :

Home Value : $265,000

4 Beds, 4 Baths 2280 sqft Primary Residence Constructed In 1977 with Wood Flooring, Slate Shingles Roof, Piers Foundation, Stone Siding, Stucco Construction. Home Features Include Smoke Alarm, Fireplace, Deadbolt Locks, Swimming Pool, FuseBox Electricals and Security by Monitoring Company

About Policy Holder:

51 Years old Single Male who is Unemployed with household income of less than $25,000 and has 2 Pets and is a Non-Smoker

Additional Details :
  • 25-50% Mortgage Paid off

  • 700-749 Credit Score

  • Seniors staying at home

  • Guests at home

Home Insurance Rate of $240/3 months for $200000-$250000 Coverage
Policy Holder Home Details :

Home Value : $200,000

2 Beds, 2 Bath 1410 sqft Rental Property Constructed In 1946 with Wood Flooring, Metal Roof, Piers Foundation, Vinyl siding, Wood Frame. Home Features Include Swimming Pool, Indoor Sprinklers, Circuit Breaker Electricals and Security by HomeOnly

About Policy Holder:

73 Years old Divorced Male who has a Part Time Job with household income of less than $25,000 and has No Pets and is a Smoker

Additional Details :
  • 25-50% Mortgage Paid off

  • 500-549 Credit Score

Home Insurance Rate of $460/10 months for $125000-$150000 Coverage
Policy Holder Home Details :

Home Value : $135,000

3 Beds, 3 Bath 1290 sqft Primary Residence Constructed In 2011 with Carpet Flooring, Metal Roof, Piers Foundation, Wood siding, Metal Frame Construction. Home Features Include Copper Water Pipes, FuseBox Electricals and Security by HomeOnly

About Policy Holder:

60 Years old Single Male who is Unemployed with household income of less than $25,000 and has 1 Pet and is a Smoker

Additional Details :
  • 50-75% Mortgage Paid off

  • 750-799 Credit Score

  • Seniors staying at home

  • Guests at home

Home Insurance Rate of $420/3 months for $300000-$350000 Coverage
Policy Holder Home Details :

Home Value : $280,000

5 Beds, 5 Baths 2150 sqft Primary Residence Constructed In 1970 with Hardwood Flooring, Metal Roof, Crawl Space Foundation, Fiber-Cement Siding, Stucco Construction. Home Features Include Deadbolt Locks, Circuit Breaker Electricals and Security by HomeOnly

About Policy Holder:

41 Years old Single Female who is Unemployed and has 1 Pet and is a Non-Smoker

Additional Details :
  • 75-100% Mortgage Paid off

  • 750-799 Credit Score

Home Insurance Rate of $460/5 months for $300000-$350000 Coverage
Policy Holder Home Details :

Home Value : $335,000

4 Beds, 4 Baths 2640 sqft Rental Property Constructed In 1976 with Carpet over wood flooring, Membrane Roof, Piers Foundation, Stucco siding, Brick Frame. Home Features Include Indoor Sprinklers, FuseBox Electricals and Security by HomeOnly

About Policy Holder:

47 Years old Single Female who is a Freelancer with household income of more than $150,000 and has More than 3 Pets at home and is a Smoker

Additional Details :
  • 0-25% through paying our mortgage

  • 800-850 Credit Score

  • Seniors staying at home

Home Insurance Rate of $650/6 months for $400000-$500000 Coverage
Policy Holder Home Details :

Home Value : $385,000

4 Beds, 4 Baths 2720 sqft Vacation Property Constructed In 2007 with Linoleum, Shingles Roof, Crawl Space Foundation, Stone Siding, Stucco Construction. Home Features Include Fire Extinguisher, Central Air Conditioning, Fireplace, Smoke Alarm, Circuit Breaker Electricals and Security by HomeOnly

About Policy Holder:

42 Years old Single Female who is a Freelancer with household income of $25-50,000 and has 1 Pet and is a Smoker

Additional Details :
  • 50-75% Mortgage Paid off

  • 800-850 Credit Score

  • Guests at home

Home Insurance Rate of $890/7 months for $300,000-$350,000 Coverage
Policy Holder Home Details :

Home Value : $270,000

4 Beds, 4 Baths 2800 sqft Primary Residence Constructed In 1976 with Linoleum, Asphalt Shingles Roof, Slab Foundation, Wood siding, Metal Frame Construction. Home Features Include Swimming Pool, Copper Water Pipes, Central Air Conditioning, Deadbolt Locks, FuseBox Electricals and Security by HomeOnly

About Policy Holder:

50 Years old Married Male who is Unemployed and has 2 Pets and is a Smoker

Additional Details :
  • 25-50% Mortgage Paid off

  • Up to 499 Credit Score

  • Seniors staying at home

  • Guests at home

Wilmington, NC Home Insurance by Zip Code

Zip Code Median Home Value Median Homeowners Insurance
28409 $265,700 $640
28411 $235,100 $640
28403 $233,300 $630
28412 $203,800 $620

Wilmington Rates & Quotes Analysis:

Wilmington Area Estimated House Insurance
N 5th St, Caladan Rd, Barnards Landing Rd, Crab Apple Ln, Wimbledon Ct, Logwood Ct, Brookforest Rd, Vista Green Ct, Beacon Dr, Fawn St$601
Daphine Ct, Airlie Rd, Wolcott Ave, Winterberry Ct, Northeaster Dr, Beasley Rd, Gateway Dr, Providence Rd, Bent Creek Dr, Butternut Ct E$625
Fish Hawk Ct, Airlie Forest Ct, Rolling Hills Cove, Terrapin Ct, Parsley St, Pacific Rd, Cottage Ln, S Live Oak Pkwy, Hardscrabble Ct, Saint Andrews Dr$650
Doctors Cir, Kings Ct, Northbend Rd, Hunting Ridge Rd, Lost Tree Rd, Arnold Rd, Channel Haven Dr S, Live Oak Pkwy, Rye Ln, W Rye Ln$630
Cascade Rd W, Lansdowne Rd, State Rd 1100, Old Field Rd, Ponderosa Ln, Lincoln Ct N, Antelope Trail Dr, Mohican Trl, Downey Branch Ln, Smith Bay Cir W$631
Artifact Ct, R L Honeycutt Dr, Center St, Bedford Forest Dr, Clearwater Ct, Perry Ave, Bexley Dr, Tillson Ct, Timber Creek Ln, Solera Rd$639
W Renovah Cir, Windsong Rd, Privateer Ct, Indian Corn Trl, Musevale Dr, Oyster Lndg, Portofino Ct, Dullage Dr, Signature Pl, Mockingbird Ln$602
Out Island Dr, State Rd 1411, Old Maccumber Station Rd, Pleasant Oaks Dr, Ritter Dr, Bunche St, Needle Rush Ct, Mohican Trl, Fox Run Rd, Roseland Dr$628
Robin Hood Rd, Ludlow Dr, Taft Aly, Junction Park Dr, Radian Rd, Garden Terrace Dr, Fleming St, Sycamore Ln, Browning Dr, Shakespeare Dr$601
N 9th St, Mears St, Sunglow Dr, Colony Cir N, Merestone Dr, Mews Dr, White Ibis Ct, Waltmoor Rd, Gillette Dr, Berberis Way$621

Insurance rates are influenced by a number of factors including:

  • Year Built: 8,557 Homes (16% of total homes ) built between 1980 to 1989 in Wilmington are paying home insurance between $929-$939. Places close to Wilmington, NC such as Wrightsville Beach, Ogden, Bayshore are more expensive by $328, $11, $19 respectively while Kings Grant and Silver Lake are cheaper by $28 and $32 respectively for similar homes.
  • Bedrooms: 20,308 3 bedrooms homes (38% of total homes ) in Wilmington are paying about $486. Areas near to Wilmington such as Wrightsville Beach, Bayshore, Porters Neck are costlier by $163, $11, $54 respectively whereas New Hanover County and Kings Grant are more economical by $8, $14 respectively for similar homes.
  • Auto Insurance Bundling: 10,121 Households (46% of all households) in Wilmington have 2 vehicles available and when it is bundled with home insurance you can save $124 and differs from New Hanover County ($124), Kings Grant ($120), Silver Lake ($120).
  • Senior Discounts: 11,786 seniors (more than 55 years) occupied housing units (53% of total) in Wilmington get discounts between $93 to $95. The comparative concessions in proximate regions such as New Hanover County, Kings Grant and Masonboro are $93, $90 and $92 respectively.
  • New Homes discounts: New homes such as the 24,515 homes built between 2000 to 2009 in Wilmington can save $124 compared to New Hanover County ($124), Kings Grant ($120), Silver Lake ($120).

Wilmington Homeowners insurance Facts

  • Wilmington, NC has 21,987 owner occupied houses which is 47.6% of all units whereas New Hanover County, Kings Grant and Silver Lake have 60.03%, 68.39% and 74.42% respectively.
  • Wilmington, NC homeowners yearly insurance price at $623 is 0.27% of the typical house value of $230,700 which is in contrast with 0.28% in New Hanover County, 0.36% at Kings Grant & 0.37% in Silver Lake.
  • Homeowners in Wilmington, NC pay 1.92% of their income ($30,000 to $34,999) in insurance whereas homeowners in New Hanover County, Kings Grant and Silver Lake pay 1.91%, 1.86% and 1.85% respectively.
  • Wilmington, NC’s insurance is 3.3% of monthly housing costs of $1,575/month, for owners with a mortgage compared to 3.4% in New Hanover County, 4.03% at Kings Grant & 3.87% in Silver Lake. But, for households without a mortgage, insurance is 10.0% of costs ($520 in Wilmington, NC) in contrast with 10.81% in New Hanover County, 15.98% at Kings Grant & 15.32% in Silver Lake.

Wilmington, NC Home Values & Insurance rates

For example, insurance for 366 Homes (2.0% of total homes ) valued between $80,000 to $89,999 in Wilmington, NC is about $224. Rates in nearby areas in such as Wrightsville Beach, Ogden, Federal Point are cheaper by $149, $17, $5 respectively while New Hanover County and Wrightsboro are costlier by $11 and $100 respectively for similar homes.

Wilmington, NC Home By Value Total Homes % of Total Average Homeowners Insurance
Less than $50,000 839 4.0% $62
$60,000 to $69,999 181 1.0% $174
$70,000 to $79,999 200 1.0% $199
$80,000 to $89,999 366 2.0% $224
$90,000 to $99,999 432 2.0% $255
$100,000 to $124,999 1,576 9.0% $292
$125,000 to $149,999 1,315 7.0% $367
$150,000 to $174,999 2,400 13.0% $436
$175,000 to $199,999 1,597 9.0% $504
$200,000 to $249,999 3,212 18.0% $604
$250,000 to $299,999 2,703 15.0% $741
$300,000 to $399,999 2,415 13.0% $940

Renters Insurance in Wilmington

  • Average Renters Insurance in Wilmington :  $72($6/month)

  • Median Gross Rent in Wilmington :  $844

  • Wilmington Renters Insurance to Median Rent Ratio:  0.71%

  • Average household size of renter-occupied unit :  2.18

Wilmington Renters Insurance as a Percentage of Rent

Wilmington Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
Less than $200 574 2.0% $318
$200 to $299 845 3.0% $768
$300 to $499 1,380 5.0% $1218
$500 to $749 6,030 25.0% $1893
$750 to $999 6,880 29.0% $2643
$1,000 to $1,499 6,444 27.0% $3768
$1,500 or more 1,321 5.0% $5418

Protective device discount in Wilmington Up to :  $10

Claims-free discount in Wilmington Up to :  $14