Homeowners Insurance Wilmington NC

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 The 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 coastal 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 well educated in the challenges coastal 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. THG 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.

House

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

Personal Belongings

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

Dishes
Clothing
Furniture
Sporting Goods

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

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.

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.

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.

Location

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.

Construction

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 THG Insurance 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, THG Insurance 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.

Why Choose THG Insurance?

A modern house with a front yard fountain illuminated at night

Local Presence, Personal Relationships

As a Wilmington-based agency, we’re not just here to sell you a policy; we’re part of the community and genuinely care about the well-being of our neighbors.

THG Insurance lives and works right here in coastal North Carolina. We know the area’s distinct needs and stay up-to-date on local regulations, weather patterns, and community events that impact our clients.

This local insight means we can quickly respond to your questions, claims, and concerns with the understanding and responsiveness that large national providers can’t match.

The Independent Advantage: A Broad Network for Better Coverage and Rates

Unlike agencies tied to a single provider, THG Insurance is an independent agency with access to a wide network of top-rated insurance carriers. This independence allows us to source the most competitive policies specifically designed for Wilmington and coastal North Carolina homeowners.

We work directly with you to understand your property and risk factors and then leverage our relationships with multiple insurance providers to secure tailored coverage at a fair rate.

Our team doesn’t just sell insurance—we compare and advise.

By choosing THG Insurance, you’re selecting a trusted partner who will navigate the complexities of coastal home insurance with you, ensuring that your property is covered against whatever challenges come your way.

Home Insurance Companies We Represent

All Risks/R T Specialty
Am Wins
Appalachian Underwriters
Allied Trust
American Modern Insurance Group
Universal Property & Casualty
Burns & Wilcox
Bankers
Builders Mutual
Edison
Foremost
Frontline
Hanover Excess
Homeowner’s Choice
Homeowners of America
ICAT
Johnson & Johnson
Johnson Sumner & Associates
Liberty Mutual
North Carolina Joint Underwriters
Orchid
Orion 180
Pure
Progressive
Slide
SageSure
Southern Fidelity
TypTap
Tapco
Tower Hill
Travelers
Vault
Victor
Zurich

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Homeowners Insurance FAQs

What is Home Insurance?

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.

Why Do I Need Homeowners Insurance?

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.

What Are the Types of Homeowners Insurance?

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

How Much Does Homeowners Insurance Cost?

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.

What Do I Need to Consider When Choosing Homeowners Insurance?

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 THG Insurance

Name(s):

Phone Number:

Email:

Address:

City:

State:

Zip Code:

Year Built:

Square Footage:

How Much Coverage Do You Currently Have?:

What Date Should Your New Insurance Start?:

Date Of Birth For All Insured:

What's Your Occupation?:

How Long Have You Lived At The Address?:

Mailing Address If Different From Property Address:

Is This Your Primary Home? If Not, How Will The Home Be Used?:

Are There Any Known Updates To The Roof, Plumbing, HVAC, Wiring?:

Are There Any Problems With The Roof?:

Is There A Wood Burning Stove?:

Are There Any Animals On The Property (pets or farm animals, if yes please list breed)?:

Is There A Swimming Pool On The Property?:

If Yes To Swimming Pool, Is There A Diving Board Or Slide?:

If Yes To Swimming Pool, Is It Secured With A 4ft Self-Latching Fence?:

Is There A Trampoline On The Property?:

Is There A Mortgage On The Property?:

Do You Have A Security System?:

Current Insurance Company And Policy Number:

Do You Own A Golf Cart?:

Do You Own A Jet Ski, Snow Mobile, or Other ATV?:

Have You Filed Any Home Insurance Claims in Last 5 Years?:

Any Bankruptcy, Foreclosures, Repossession, Arson of Insurance Fraud in Past 5 Years?

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Home Insurance In Coastal North Carolina