Homeowners Insurance - Wilmington NC

The Best Homeowners Insurance Wilmington NC

How To Choose The Best Home Insurance Agency

Nestled between Cape Fear River and beautiful beaches, Wilmington, North Carolina residents have many wonderful neighborhoods to choose from. 

Whether buying a condo in bustling downtown Wilmington, a family home in Bayshore, or a vacation home at Wrightsville Beach, it’s essential to protect your investment with quality home insurance. 

From hurricanes to home invasions, ALLCHOICE specializes in helping people just like you guard against the uncertainties life can throw at you. 

Finding the right home insurance agency doesn’t have to be difficult when you have someone on your side that understands the local risks of Wilmington, NC.

Consider the following before selecting a home insurance policy:

  • What Does Homeowners Insurance Cover?
  • How Much Does Homeowners Insurance Cost in Wilmington, North Carolina?
  • Do I Need Homeowners Insurance in North Carolina?

As a local Wilmington, NC home insurance agency, ALLCHOICE can answer these questions and more. Contact us or receive a free quote today.

What Does Wilmington NC Home Insurance Cover?

Standard home insurance policies provide coverage for the following:

  • Property damage to your home
  • Property damage to your things
  • Personal liability associated with your home and property

Property damage covers the house structure itself and the personal property within the premises. 

Personal liability protects you if someone is injured on your premises, such as a laborer or visitor. 

Just a short drive from Wrightsville Beach, Wilmington residents should make sure they are covered for tropical storms and hurricanes. 

Unfortunately, the Wilmington burglary rate is higher than the national average. The most common home insurance claims in Wilmington, NC are for:

  • Hurricanes and Severe Weather
  • Water Damage
  • Fire and Lightning
  • Burglary and Property Damage
  • Non-Theft Property Damage
  • Personal Liability
  • Dog Bites

A home insurance agency will address your particular needs to determine how much coverage you need for your home.



How Much Does Home Insurance Cost In Wilmington, NC?

Due to high property values and the increased risk of natural disasters, the cost of Wilmington homeowners insurance is much higher than the national average. 

The real threat of hurricanes and tropical storms must be factored into the policy. 

  • National yearly premium for homeowners insurance: $1,173
  • Wilmington average yearly premium for homeowners insurance: $1,909

Though Wilmington, NC insurance premiums are more expensive than most places, the cost still doesn’t compare to what you would be facing without home insurance. 

After all, what’s a couple of thousand dollars compared to the hundreds of thousands of dollars your home is worth? 

Remember, the $1,909 premium is only an average. Your actual premium will depend on the following:

  • Details about your home (i.e., size, market value)
  • Your home’s security systems and storm protections
  • Your neighborhood crime rate and common weather hazards
  • Your credit score and claims history
  • The amount of your desired deductible
  • Primary residence vs. second or vacation home

Do I Need Homeowners Insurance In Wilmington NC?

Whether you own a small condo on Market Street or a huge beach house in Masonboro, you should have homeowners insurance. 

Your home is likely your family’s biggest asset and should be protected as such. 

It is imperative to find the right Wilmington home insurance coverage to protect your biggest investment. 

Do I Need Home Insurance If I Rent?

Yes! Renters insurance is a form of home insurance that protects your personal belongings. 

Your landlord’s homeowners insurance policy only covers the structure, not your personal belongings within it. 

What would happen if you lost all of your possessions in a fire? You’d be out of luck if you didn’t have renter’s insurance. 



High Risks For Your Home In Wilmington, North Carolina

The port city of Wilmington is a beautiful and wonderful place to live. But, the burglary rate in Wilmington, NC is nearly 3x the national average. 

Hurricanes, tropical storms, and floods also pose a higher than normal risk. 

Knowing local risks like these is the perfect reason to seek coverage from an independent Wilmington Insurance Agency

Who better to advise you on what coverage options you need than a local agent? 

Get the best coverage at the best rate by contacting the best home insurance agency in Wilmington, NC today. ALLCHOICE is here to make sure you find the right home insurance company for your needs.


Driving Directions To ALLCHOICE Insurance from Bayshore 

  1. Head southwest on Bayshore Dr to US-17
  2. Turn left onto US-17/ US-17 BUS S / Market St
  3. Turn left onto Military Cutoff Rd
  4. Use the left 2 lanes to turn left onto US-74 E/ US-76 E / Eastwood Rd
  5. Arrive at 2018 Eastwood Rd Wilmington, NC 28403

We Want Your Feedback On Your New Policy

We know you can choose any Insurance Agency around, but you picked us!

THANK YOU!!!!!!!!

While there are things we can’t control like Rate Increases & Claims Decisions…there are certain things we CAN control, like:

  • How we communicate with you
  • The expectations we set
  • How we explain things

So…Did we do a good job in these areas?  Did we meet or exceed your expectations in other areas? We’d love to hear about it!

Would you mind clicking the Green Happy Face and giving us a 5 Star Review, and writing a short review for us?  If we didn’t do a good job for, please let us know that as well by clicking on the Red Frowny Face.

We Want Your Feedback On Your Renewal

THANK YOU!!!!!!!!

Another year has come and gone, and you have once again placed your trust in us to protect what matters most to you!

While there are things we can’t control like Rate Increases & Claims Decisions…there are certain things we CAN control, like:

  • How we communicate with you
  • The expectations we set
  • How we explain things

So…Did we do a good job in these areas?  Did we meet or exceed your expectations in other areas? We’d love to hear about it!

Would you mind clicking the Green Happy Face and giving us a 5 Star Review, and writing a short review for us?  If we didn’t do a good job for, please let us know that as well by clicking on the Red Frowny Face.

We Want Your Feedback

We just wrapped up an endorsement request for you!

While there are things we can’t control like Rate Increases & Claims Decisions…there are certain things we CAN control, like:

  • How we communicate with you
  • The expectations we set
  • How we explain things

So…Did we do a good job in these areas?  Did we meet or exceed your expectations in other areas? We’d love to hear about it!

Would you mind clicking the Green Happy Face and giving us a 5 Star Review, and writing a short review for us?  If we didn’t do a good job for, please let us know that as well by clicking on the Red Frowny Face.

The Best Insurance Company In Wilmington NC

Insurance Quotes For Wilmington & Surrounding Areas

ALLCHOICE Insurance is one of the leading Multi-Line Independent Agencies offering Insurance in Wilmington NC!

We understand the distinct challenges and nuances that surround the insurance climate of Coastal North Carolina!

From everyday Home Insurance, Auto Insurance, & Personal Umbrella Insurance…to more complex business issues that require Business Owners Coverage & Workers Compensation Insurance…ALLCHOICE offers affordable insurance solutions to the families and businesses of Wilmington, Bayshore, Carolina Beach, Kure Beach, Landfall, New Bern, Wrightsboro, Wrightsville Beach.

Wilmington NC Independent Insurance Agency Focused On Customer Experience

Since we decided to open our Wilmington, NC office, ALLCHOICE has taken great pride in the Risk Management, Service, and Pricing we provide to our customers.

While we love saving people money on their insurance…we believe the true value lies in making sure you UNDERSTAND the policies and insurance coverages you purchase.

Our customers are the prime focus of ALLCHOICE Insurance. Every facet of our business is constantly examined for ways to bring greater ease, comfort, and convenience to our customers. It is that drive and determination that leads ALLCHOICE to constantly upgrade our technologies to ENHANCE your experience both as a Digital Insurance Agency and a Human-Centered Insurance Agency.

What Can ALLCHOICE Insurance Do For Wilmington NC Insurance?

ALLCHOICEINSURANCE.COM was designed to enhance the services that ALLCHOICE currently provides to both customers and the general public. The design of allchoiceinsurance.com gives Wilmington NC Insurance Consumers one site to find multiple insurance quotes as well as service their current insurance policies.

More importantly, allchoiceinsurance.com provides a site built to give the Wilmington North Carolina Insurance Consumers a better understanding of Wilmington Insurance Coverages including, Wilmington Auto Insurance, Homeowner’s Insurance in Landfall NC, New Bern NC Commercial Insurance, and many more Insurance Coverages and Policies available to New Hanover County Residents.

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Additional Insurance Products & Services

The Insurance Consumer of Wilmington, NC and the surrounding areas of New Hanover County face different challenges than other consumers in the state of North Carolina.  ALLCHOICE Insurance offers the Insurance Products and Services shown on this page and many more.

(Click On The Icons Below For More Information On These Additional Insurance Products & Services)

ALLCHOICE Insurance

2018 Eastwood Rd

Wilmington, NC 28403

(910) 500-6116

From Wilmington International Airport (ILM), 1740 Airport Blvd, Wilmington, NC 28405, to ALLCHOICE Insurance.

Head northeast on Airport Blvd for 0.8 miles

Turn left onto N 23rd St and continue for 0.9 miles.

Turn left onto the ramp to Wrightsville Beach and continue for 0.5 miles.

Next, Merge onto Martin Luther King Jr Pkwy and continue for 3.1 miles.

Continue onto US-74 E/Eastwood Rd and your destination will be on the right after 3.2 miles. 

ALLCHOICE Insurance is located at 2018 Eastwood Rd, Wilmington, NC 28403