Wilmington Insurance Rates:

Wilmington, NC homeowners insurance is approximately $529 to $718, about $44-$59/month. Our complete research shows customers can save upto $249 by comparing multiple quotes. Enter your zipcode below and click “GO” to get multiple free quotes.

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Latest Home Insurance Reviews

Erie Insurance
I would absolutely recommend Erie for home insurance. I have been very pleased with their ability to provide me with all of the same benefits as a larger company.
State Farm
The deductible is fine. Some other insurance company advertised that they give better bang for the bucks, however, when we called them for quotes, it always come out about the same.
Erie Insurance
I would recommend Erie for a home insurance company,Luckily, I haven't had to enact my homeowners insurance, but any initial dealings that I have had have been pleasant and effective.
We offer a wide range of low cost auto insurance options to choose from. We are considered by most as the Mississippi coastal area’s number one auto insurance provider.
Allstate has been great, and I would definitely recommend them to others. They have gone above and beyond to satisfy me, and to make sure I am happy. This is HUGE and what keeps people coming back for more.
Erie Insurance
I would definitely recommend this company for home insurance coverage. They have been great to work with, their rates are very competitive, and we have all of the coverage in our policy that we need.
They offer discounts for bundling with auto insurance through geico and they also offer some discounts for energy efficiency. I like that they allow you to get discounts for doing things that benefit you anyway
I am satisfied with their home insurance offerings. I needed a policy that covered a pool, which limited our options and they had this coverage. In addition, they had other options for water damage, sewer.
I would recommend them for sure. It is paid through my escrow account so I never have to worry about it.
State Farm
State Farm premium services are good and the deduction are fair compared to other insurance companies where their customers complain everyday. They stick to what they say.
Liberty Mutual
Liberty Mutual ranked 20th out of 24 insurers in NerdWallet's ranking of the best car insurance companies, earning 3.5 stars out of 5. NerdWallet's rating is a score based on: J.D. Power ratings for customer service, claims satisfaction and shopping satisfaction.
State Farm
We bought our policy at a local office and found our agent very helpful and he answered a lot of questions for us.
State Farm
Before I subscribed for State farm insurance policy, I did some research and check reviews of similar companies offering premium and deductible, but i settled for State farm purposely because they premium is one of the best in the market.
State Farm
I am not sure where my current home insurance company stands in regards to policy offerings. Other companies may have other/different perks and may be slightly cheaper but may not offer the large selection of insurance.
Protect you from your loss they pay to repair or replace your home if it is destroyed or damaged by fire, tornado, hurricanes, and others.
State Farm
I asked my insurance company if they could match the price or offer me some discounts the other insurance companies are offering. they wouldn't. i have all my insurance policies here and i think i should be getting more discounts.
Erie Insurance
Erie insurance is not available nationwide so if i move i would have to change insurance companies which would be very inconvenient. a national provider would be able to give greater freedom.
Erie Insurance
The company's website is very nice. When you make a payment it is very easy and clear. It is really easy and convenient.
Erie Insurance
It is a small office. It is conveniently located for me. I have been doing business with this company for over twenty years. I am very satisfied with their service.
State Farm
I like how trustworthy this company is, how honest they are, and how they don't push sales on you.
My premium is a little bit skewed right now because we opted to increase our deductible this year in order to save a little money. We recently had some work done on the house with the insurance paying for it 100% so I don't have any real complaints, but mostly we are locked in regardless of what the premium is because it's too difficult to try and switch auto, home, etc. All at once.
State Farm
As I mentioned above, the interactions have always been great. I feel respected and I feel that I am not just a number of them. I feel that I am a valued customer who will always be listened to and they will always try to help me when possible with any problems I have.
State Farm
The reasons why I preferred State Farm is the fact that I was typically new to home insurance and I didn't know a thing about insurance. State Farm provided all the necessary information I needed and that was favoring me because I did not have so much time I would give a rate of 5- so far so good. They are convenient and they have great customer service.
I do not like that they have the reputation of being the most expensive all of all the insurance companies. However, I can understand that they need to make money just like everyone else. Insurance claims are expensive anyway to fund.
Farmer's Insurance
Because I have worked with them for many years, and have always gotten good service, whether it was questions about my policy, or claims or whatever it was I needed.
Their overall customer service is poor and I don't feel they are fair with their rates compared to other. I just have not taken the time to shop around for rates, I prefer to not changes things all the time
Safeco Insurance
As a whole, both locally and nationally, they are there to help me when I need it and I've called them a couple of times and have gotten the answers I was looking for at the time.
I would not recommend the insurance company to other buyers of insurance who want good coverage for a basic affordable premium. If you look at the trends of this company, they do not pay out like they should.
Upc Insurance
I would recommend UPC to anyone looking for a really cheap option for homeowners insurance. I cannot vouch for UPC in regards to the claim process. UPC has been prompt in handling any changes I requested be made to my policy. For example, I got a security system installed and UPC promptly gave me a discount once I provided the necessary documentation.
I would recommend it, because it's an incredible insurance company. For me and my family is the best option, they were with us when we need it
State Farm
I would recommend it to a friend because even though a few things bother me, no where is going to be 100% everything you want, and I feel that they are affordable enough for most people, which is a good thing. I am overall satisfied with the company.
State Farm
I am very happy and satisfied with my home insurance company. Above and beyond all that they have the best price possible so that works for me completely.
State Farm
This company has good support to their customers. When compared to others this is best one.
The premium and deductible on my home insurance are comparable to other insurance companies. The higher deductible makes your payments a little less.
Amica Mutual Insurance
Easy to deal with and contact. Good billing, invoice system. Responsive to claims. Able to access a lot of information regarding my insurance on the app and on the website.
With my understanding of family insurance companies and their different locations, I would consider my insurance company and broker very easy to speak to. I hope that there is never a need to process a claim.

Wilmington, NC Homeowners Insurance By Home Value

Wilmington, NC Home Value Total Homes % of Total Average Wilmington, NC 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

Top Home Insurance Agents Near Wilmington, NC

Home Insurance Company Near Wilmington, NC Homeowners Insurance Agency Near Wilmington, NC Address
NA Brunswick Insurance Services, Inc. 976 Ocean Hwy W , Supply, NC, 28462
NA Pleasure Island Insurance Agency Inc 1009 N Lake Park Blvd #A-5 , Carolina Beach, NC, 28428
NA Aquesta Insurance Services, Inc. 700 Military Cutoff, Wilmington, NC, 28405
NA M. Holland & Company 790 Sunset Blvd. N Ste , Sunset Beach, NC, 28468
State Farm Kristin Dowdy 5011 Northside Dr, Shallotte, NC, 28470-4461

Wilmington, NC Home Insurance Agents for Top Companies

Cost Of Homeowners Insurance By Street Near Wilmington, NC

Streets in Wilmington Area Homeowners Insurance Cost
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

Wilmington, NC Home Insurance Savings For Senior Occupied Homes

PlaceSavings For Senior Occupied Homes
Wilmington$93 to $95
New Hanover County$93
Kings Grant$90

Wilmington, NC Auto & Homeowners Insurance Bundling Discounts

Place 1 Car Bundle Savings On Insurance 2 Car Bundle Savings On Insurance 3 Car Bundle Savings On Insurance
New Hanover County, North Carolina $93 $124 $186
Kings Grant CDP, North Carolina $90 $120 $180
Silver Lake CDP, North Carolina $90 $120 $180

Wilmington, NC Area Home Insurance as a % of Housing Cost

PlaceHome insurance as a % of housing cost for homes with mortgageHome insurance as a % of housing cost for homes without mortgage
Wilmington, NC3.3%10.0%
New Hanover County3.4%10.81%
Kings Grant4.03%15.98%
Silver Lake3.87%15.32%

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

Wilmington, NC Home Insurance Costs With Deductible Scenario

Low DeductibleHigh Deductible
Yearly Wilmington Homeowner Insurance Premium Example $2,400$1,900
Out of Pocket Expense During Claim$1,000$3,000
Total Home Insurance Premium for 6 years + Out of Pocket Expense for Claim $15,400$14,400
Net Savings to Wilmington Home Owner from High Deductible Plan $1,000

Wilmington, NC Home Insurance Costs With Home Replacement Value Scenarios

Scenario Wilmington, NC Home Replacement Value MORE than Home Value Wilmington, NC Home Replacement Value LESS than Home Value
Replacement Value $447,500 $257,000
Insurance Premium based on Replacement Value $2,375 $1,350
Risk Exposure from Under Insuring Coverage Unnecessary Home Insurance Coverage of $90,000 Risk Exposure from Under Insuring Coverage is $100,500
Premium Impact Insurance cheaper by $525/year Insurance costlier by $500/year

Example Wilmington Homeowners Insurance Comparison Table to Compare The Cheapest Quotes

Insurance Company Chubb Group of InsuranceAmica Mutual Insurance CompanyAllstate
Monthly Premium 1129369
Year Built 194020072010
Home Details 3 Beds, 2 Baths5 Beds, 1 Baths2 Beds, 1 Baths
Coverage Amount $250000-$300000$250000-$300000$200000-$250000
Deductible $500 Deductible$500 Deductible$1000-$2500 Deductible

Sample Home Insurance Rates for Wilmington, NC from Consumer Reviews & Surveys

Year Built Home Value Roof Type Sqft Number of Bedrooms Deductible Premium Premium Months Siding Type Smoker/Non Smoker
1971 205,000 Membrane Roof 1,670 3 > $10,000 Deductible 340 6 Fiber-Cement Siding yes
2005 405,000 Metal Roof 3,260 4 > $10,000 Deductible 230 3 Fiber-Cement Siding No
1991 240,000 Shingles Roof 1,630 5 > $10,000 Deductible 120 3 Vinyl siding yes
1981 280,000 Wood Shake Roof 1,960 4 $500 Deductible 1480 10 Stone Siding yes
1997 375,000 Asphalt Shingles Roof 3,080 5 $2500-$5000 Deductible 470 3 Fiber-Cement Siding yes
1974 185,000 Metal Roof 1,490 3 $500 Deductible 300 5 Stone Siding No
1994 175,000 Asphalt Shingles Roof 1,340 2 $500- $1000 Deductible 330 5 Brick siding No
1944 165,000 Composition Roof 1,250 3 $500 Deductible 450 6 Stucco siding No
1974 160,000 Wood Shake Roof 1,260 3 $5000 to $10,000 Deductible 270 7 Vinyl siding yes
2011 145,000 Asphalt Shingles Roof 1,150 2 $1000-$2500 Deductible 430 7 Brick siding yes
1947 225,000 Wood Shake Roof 1,650 2 $5000 to $10,000 Deductible 170 3 Vinyl siding yes
2005 325,000 Wood Shake Roof 2,500 5 $5000 to $10,000 Deductible 500 6 Stucco siding No
1948 150,000 Asphalt Shingles Roof 1,290 3 $1000-$2500 Deductible 410 9 Stucco siding yes
1987 175,000 Wood Shake Roof 1,410 2 $2500-$5000 Deductible 110 2 Stucco siding No
1944 145,000 Wood Shake Roof 1,350 3 $2500-$5000 Deductible 100 2 Wood siding yes
1945 510,000 Metal Roof 3,750 5 $2500-$5000 Deductible 1930 12 Brick siding No
1984 560,000 Tile Roof 4,450 5 $5000 to $10,000 Deductible 440 3 Stone Siding yes
1947 180,000 Asphalt Shingles Roof 1,230 2 $500 Deductible 680 9 Vinyl siding No
2003 300,000 Metal Roof 2,360 3 $2500-$5000 Deductible 730 6 Stucco siding yes
1980 215,000 Membrane Roof 2,080 3 $500- $1000 Deductible 80 1 Stucco siding No
1982 185,000 Composition Roof 1,540 3 $500- $1000 Deductible 400 6 Wood siding yes
1992 390,000 Composition Roof 3,060 5 > $10,000 Deductible 800 8 Brick siding yes
2012 225,000 Wood Shake Roof 1,540 3 $2500-$5000 Deductible 360 4 Fiber-Cement Siding yes
2000 195,000 Shingles Roof 1,840 3 $5000 to $10,000 Deductible 540 9 Wood siding yes
1977 265,000 Slate Shingles Roof 2,280 4 $500 Deductible 290 3 Stone Siding No
1946 200,000 Metal Roof 1,410 2 $2500-$5000 Deductible 240 3 Vinyl siding yes
2011 135,000 Metal Roof 1,290 3 $500- $1000 Deductible 460 10 Wood siding yes
1970 280,000 Metal Roof 2,150 5 $500- $1000 Deductible 420 3 Fiber-Cement Siding No
1976 335,000 Membrane Roof 2,640 4 $5000 to $10,000 Deductible 460 5 Stucco siding yes
2007 385,000 Shingles Roof 2,720 4 $5000 to $10,000 Deductible 650 6 Stone Siding yes
1976 270,000 Asphalt Shingles Roof 2,800 4 $500 Deductible 890 7 Wood siding yes

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