Call Now: 910-338-1773

Homeowners insurance in wilmington protecting you against any threat

We provide our clients with a true homeowner’s strategy that makes certain you’re covered against any threat. With a large percentage of families being unknowingly vulnerable, our aim is to educate you and help you protect your greatest asset. Our insurance partners provide the most competitive rates state wide. Our staff is very educated in the challenges a lot of homeowners face when trying to make sure they have the best coverage available. Many of the national insurance carriers are refusing to insure homes near the beach communities due to the threat of storms. This makes it even more important that you speak to an insurance agency that knows how to protect your home. Our agency has over 35 years of experience in insuring beach front and coastal homes. Whether it is your primary home or a vacation home we can help. From a $50,000 condo to a $10,000,000 oceanfront, we can protect your home!

What does a homeowners insurance policy cover?

Although they are infinitely customizable, a standard homeowner insurance policy covers a few expenses across the board.

Other Products Image

House & Property

Home insurance coverage can help you pay for repairs/replacements if your home is damaged by a covered risk, such as:

  • Vandalism/theft
  • Severe weather
  • Fires
  • Appliance leaks
Other Products Image

Personal Belongings

Safeguards stolen or destroyed belongings, including:

  • Dishes
  • Clothing
  • Furniture
  • Sporting Goods
Other Products Image

Personal Liability

Helps when others are injured in your home or due to members of your household by covering:

  • Medical expenses
  • Legal expenses (in case of a lawsuit)
  • Reimbursement for property damage

What Factors Affect Home Insurance Rates in Wilmington?

The average home insurance rates vary based on several factors. However, there are common elements insurance companies use to analyze and determine your rate.


If your home is built with custom materials, you may require additional insurance to cover the construction site.

Home Business

Entrepreneurs running a business out of their abode may have to increase their homeowners’ insurance coverage to protect their supplies and equipment.


Your house’s location, state, zip code, and claims history will also determine your homeowners insurance cost.

Swimming Pool

If you own a swimming pool, you may have to ramp up your liability coverage to add possible injuries.

Replacement Expenses

How much would it cost for you to fully rebuild the same house? Ask an appraiser for the replacement cost of your home before you decide on home insurance in Wilmington NC.

Age of the Home

The age of your home, and any upgrades it might have had, will influence the home insurance rate.

Bundle Auto & Homeowners Insurance
Serving Wilmington

If you are looking to save even more on your homeowners insurance rates, The Huneycutt Group, Inc can bundle your home and auto insurance needs together to save you even more. Just fill out the form below to get started.

Homeowners Insurance FAQs

Homeowners’ insurance policies shield your home from the unexpected. It can help cover repairs/replacements/liabilities when your home is damaged by acts of God, your belongings are stolen, or someone is injured on your property.

Anyone who owns a home or condo should invest in homeowners’ insurance. Not only does it protect your home/belongings against damage/theft, but it also pays for temporary living expenses while your home is uninhabitable. With a homeowners’ insurance policy, you can rest easy, knowing your property and wealth is secure.

Not all homeowners’ insurance is created equal. Several policies have become standardized in the U.S., designated HO-1 through HO-8. They offer various levels of protection, depending on the owner’s needs and the type of residence in question.

Essentially, there are three levels of coverage:

  • Guaranteed/Extended Replacement Cost/Value
  • Replacement Costs
  • Actual Cash Value

Unfortunately, there’s no cut-and-dried answer to this question. Multiple factors play a part in determining homeowners’ insurance rates, including:

  • Your neighborhood
  • The local crime rate
  • Building material availability
  • Age of the home
  • Swimming pools, trampolines, and security systems
  • The condition of your home

Hence, it’s best to consult a reputable homeowner insurance company to understand how much coverage you qualify for.

If you’re trying to figure out how to pick a suitable home insurance policy, consider the following factors.

  • The estimated cost to rebuild, repair, or replace your home
  • Whether you work out of your home
  • The estimated deductible you can pay out-of-pocket in the event of a loss
  • Any additional structures on your property (garage, shed, fence)
  • The net worth of your valuables
  • Whether you rent any part of your home/property
  • Available discounts
  • Basic coverages required by your mortgage lender

Client Reviews

Recently switched to The Huneycutt Group for my home insurance and couldn’t be more pleased with my experience. I really appreciated the willingness and helpfulness my agent offered me in exploring different carrier options. This industry can feel very transactional (depending on who you choose to work with) so it was refreshing to know my assets were considered carefully when selecting my policy. The app offers convenience, the website is easy to use and the peace of mind is priceless!

Gabe Moore

Very responsive to my questions concerning my insurance needs related to my outer beach property. Their suggestions and information provided were a big help in my decision making.

William Davis

We needed home owners insurance and have a large skate ramp in our backyard, so it was extremely hard to find a company that would exclude the skate ramp. Natalie at the Huneycutt Group went above and beyond to get it worked out. She adds new meaning to customer service!!

Charlene Taylor

I have been partnered with the Huneycutt Group for over a year now and have continuously been impressed with their professionalism and focus on customer service. I would highly recommend them for your home insurance needs.

Jason Bordas

Contact The Huneycutt Group