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Wilmington’s Charm Comes With Coastal Challenges: Safeguard Your Dream Home With Insurance

Wilmington, NC, offers a unique blend of Southern charm, vibrant culture, and stunning coastal beauty. But, nestled along the Atlantic coast, it also faces unique weather threats. From hurricanes and floods to windstorms and hail, protecting your investment in Wilmington, North Carolina requires a strong shield – homeowners insurance.

Homeowners Insurance In Wilmington That Protects You Against Any Threat

At Huneycutt Insurance Group, we provide our clients with a true homeowner’s strategy that makes certain you’re covered against any threat. 

Whether you own or rent your home, we’ve got the right coverage for you.

With a large percentage of families being unknowingly vulnerable, our aim is to educate you and help you protect your greatest asset. Our home insurance partners provide the most competitive rates in Wilmington, NC and statewide. 

Our team has over 50 years of combined experience in the insurance industry in North Carolina and is very educated in the challenges North Carolina 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. The Huneycutt Group Insurance Agency has over 35 years of experience insuring beachfront and coastal homes. 

Whether it is your primary home, rental home or your vacation home we can help. From a $50,000 condo to a $10,000,000 coastal oceanfront custom home, we can protect your home!

What Does A Homeowners Insurance Policy Cover?

A home insurance policy can be customized to offer coverage for the items in your home that you need coverage for. And, although they are infinitely customizable, a standard homeowner insurance policy covers a few expenses across the board.

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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
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Personal Belongings

Personal belongings coverage (or contents coverage) safeguards stolen or destroyed belongings, including:

  • Dishes
  • Clothing
  • Furniture
  • Sporting Goods
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Personal Liability

Accidents happen, and if someone gets injured on your property, your liability coverage can step in. It helps cover legal fees and medical expenses if you’re found legally responsible. Personal Liability covers:

  • Medical expenses
  • Legal expenses (in case of a lawsuit)
  • Reimbursement for property damage
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Additional Living Expenses Coverage

Imagine your home being uninhabitable due to a covered event like a fire or hurricane. This coverage can help pay for temporary housing, such as hotel stays, while your home undergoes repairs.

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Wind, Hail And Hurricanes

North Carolina coastal home insurance protects your home, whether on the coast or inland, from damaging high winds, hail and hurricanes.

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Peace Of Mind

Knowing you have a financial safety net in place for these unforeseen circumstances brings immense peace of mind. You can focus on rebuilding your life or replacing belongings without the added stress of worrying about the financial burden.

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.

Replacement Expenses

How much would it cost for you to fully rebuild the same house? Your insurance agent will ask you important questions to make sure your home is insured properly. Meaning, the most important thing is that you have enough coverage in case your home burns to the ground or if you lose your home due to a hurricane.

Home Business

Home insurance can cover some types of home-based businesses. Entrepreneurs running a business out of their home may have to increase their homeowners’ insurance coverage to protect their supplies and business equipment, like, laptops, computers, cameras, art supplies, possibly business inventory.

You might need a separate business insurance policy if you have visitors or industrial equipment on site. Your agent needs to know your specific scenario so you can be covered properly.


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.


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

Age of the Home

The age of your home, and any upgrades it might have had, will influence the home insurance rate. One of the many benefits of The Huneycutt Group being an independent agency is that we have dozens of home insurance companies to choose from.

Bundle Auto & Homeowners Insurance
Serving Wilmington

You’ve heard that bundling your home and auto can save you money. If you are looking to save even more on your homeowners insurance rates, The Huneycutt Group can bundle your home and auto insurance needs together to save you even more. 

So that means we have a competitive option that’s perfect for you and your unique home.

Home Insurance Companies We Represent

American Modern
Universal Property
Bankers Insurance

Homeowners Choice
Allied Trust
Homeowners of America
NC Joint Underwriting Assoc

Orion 180
Lloyds of London

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