How Can I Make My Wilmington, NC Home Insurance Cheaper

Gavop's guide to buying homeowners insurance in Wilmington, NC covers how to get the right coverage, optimize deductibles, identify the best agents, understand claim requirements, avail discount options, compare cheap quotes and research reviews.

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Estimate Appropriate Wilmington, NC Home Insurance Coverage Levels | Back to Top

Wilmington, NC - Neighbourhoods, Census Blocks & Streets 3 Bedroom 2 Bedroom
Average Home Value Estimated Replacement Value Recommended Home Insurance Coverage Average Home Value Estimated Replacement Value Recommended Home Insurance Coverage
S 9th St, Hardscrabble Ct, Saint Marys Pl, Turner Nursery Rd, Oak St, Buckingham Ave, Ivey Cir, Hutaff Aly, Pinecliff Dr, Register Ln $132,000 $120,000 $100,000-$125,000 $94,500 $80,000 $100,000-$125,000
Kings Ct, Mohican Trl, Meeting Ct, Masters Ln, S 23rd St, Wedgefield Dr, Halifax Rd, Hospital Plaza Dr, Mason Ridge Ln, State Rd 1002 $208,000 $190,000 $200,000-$250,000 $171,000 $160,000 $125,000-$150,000
Thomas Ave, Newkirk Ave, Bradley Pines Dr, Lancelot Ln, Carya Dr, Fordham Rd, Albemarle Dr, Portofino Ct, S 41st St, Peachtree Ave $275,000 $240,000 $300,000-$350,000 $191,500 $160,000 $150,000-$175,000
Hanover Ave, Echo Ln, Burnt Mill Dr, Ivocet Dr, Sugar Creek Ct, Disney Dr, Lake Shore Dr, Brier Rd, Spargo Pl, Densiflorum Ct $371,500 $340,000 $350,000-$400,000 $195,000 $160,000 $200,000-$250,000
Marion Dr, Scorpion Dr, Waverly Dr, Red Fox Rd, W Blackbeard Rd, Calais Cir, S 14th St, Lexington Ave, Prestwick Close, E Stewart Cir $125,500 $120,000 $125,000-$150,000 $117,000 $100,000 $100,000-$125,000
Shawnee Trl, Elm St, Cabbage Inlet Ln, Clinton St, Biscayne Dr, Grissom Rd, Melba Ct, Old Myrtle Grove Rd, Patsy Ln, Price's Aly $156,000 $130,000 $150,000-$175,000 $225,500 $190,000 $175,000-$200,000
Tennessee Ave, Parkwood Dr, Baba Eddie Ln, Winterberry Ct, Smith Bay Cir E, Sunn Aire Ct, Thatch Ct, Deer Glade Ct, Castle Ave, Cooper Ct $114,000 $100,000 $100,000-$125,000 $134,500 $110,000 $125,000-$150,000
Fillmore Dr, Hooker Rd, Logwood Ct, Andover Cir, Guinea Ln, Tabor Ln, Fern Dr, Oak Landing Rd, Stonemoor Ct, Reserve Dr $320,500 $260,000 $250,000-$300,000 $131,500 $120,000 $150,000-$175,000
Shakespeare Dr, Willoughby Park Rd, Emerson St, Airlie Rd, Frog Pond Pl, Heatherstone Ln, Anderson St, Vine St, Red Cedar Rd, Keats Pl $186,000 $150,000 $200,000-$250,000 $150,500 $140,000 $150,000-$175,000
Castle St, Central Ave, Red Cross St, Norton Ct, Florida Ave, Brenton Ct, Judges Rd, Woodbine St, Musevale Dr, Macmillan Ave N $152,500 $140,000 $150,000-$175,000 $199,500 $180,000 $200,000-$250,000

Bundle your Wilmington, NC Auto & Home Insurance from the Same Company | Back to Top

Wilmington, NC Car Insurance Wilmington, NC Home Insurance
Details Chevrolet, Avalanche LT 3 Beds, 2 Baths, 1500 Square Feet worth $181500
Insurance Rates Individually $1,452.41 $5880
Savings from buying both from the same company $806.56

Choose your Wilmington, NC Home Insurance Coverage for your Specific Claim Requirement | Back to Top

Claim Type Average Claim Cost
General Claims
Water Damage $5,854
Physical Damage $2,488
Hail Damage $4,853
Wind Damage $6,242
Expensive Claims
Fire $42,889
Smoke $15,884

Identify Top Home Insurance Agents near Wilmington, NC | Back to Top

Home Insurance Company Wilmington, NC Homeowners Insurance Agency Wilmington, NC Address Popularity Score Distance from Wilmington (miles)
State Farm Rob Cutting 432 Eastwood Rd Ste 100, Wilmington, NC, 28403-1873
2.8
Allstate David Ager 4837 Carolina Beach Rd Ste 101, Wilmington, NC, 28412
4.1
Liberty Mutual Independent Jwb Insurance Group 4010 Oleander Dr Ste 11, Wilmington, NC, 28403
0.6
Travelers Coastal Insurance 4625 Main St, Shallotte, NC, 28470
32.6
State Farm Tim Moore 7016 Market Street, Wilmington, NC, 28411-9728
5.3
State Farm Henry Brown 2816a S College Rd, Wilmington, NC, 28412-6827
1.0
State Farm Cedric Dickerson 5919 Oleander Dr Ste 104, Wilmington, NC, 28403-4757
2.6
State Farm Greg Ochipa 1039 S College Rd Ste 105, Wilmington, NC, 28403-4434
0.5
State Farm David Ward 4818 New Centre Dr, Wilmington, NC, 28403-1618
2.4
Travelers Homeinsurance Com 4829 Carolina Beach Rd Ste. 110, Wilmington, NC, 28412
4.0

Compare Rates for Wilmington, NC Home Insurance Providers | Back to Top

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Place Typical Home Value Typical Home Insurance Costs 25th Percentile 75th Percentile Potential Savings & Difference between 25th & 75th Percentile
North Carolina $153,600 $860 $610 $1,220 $610
New Hanover County, NC $222,000 $1,070 $730 $1,480 $750
Wilmington, NC $230,700 $1,060 $750 $1,460 $710
Kings Grant, NC $169,400 $1,000 $730 $1,380 $650
Silver Lake, NC $161,600 $820 $560 $1,160 $600
Harnett, NC $229,600 $1,170 $780 $1,630 $850
Carolina Beach, NC $266,800 $1,280 $920 $1,770 $850
Smithville, NC $257,900 $1,420 $1,020 $1,950 $930
East Arcadia, NC $61,400 $340 $250 $470 $220
Lake Creek, NC $162,400 $860 $580 $1,230 $650
Sneads Ferry, NC $149,400 $720 $480 $1,000 $520
Onslow County, NC $149,900 $820 $580 $1,140 $560
Bug Hill, NC $72,600 $380 $260 $520 $260

Research Home Insurance Companies Reviews in Wilmington, NC Before Buying | Back to Top

Share a review on your home insurance company


State Farm Home Insurance Reviews

Date: September 18, 2019    Age: 30 to 39    Gender: Male    Marital Status: Unmarried

Premium
The premium and deductible of my policy is better than I've been able to get through other insurance companies for the price. Either the policy is more expensive or they're making me have a higher deductible.

Date: April 08, 2019    Age: 30 to 39    Gender: Female    Marital Status: Married

Policy Offerings
I feel like State Farm is competitive in their rates and what they offer. They are comparable to other full service insurance companies and much better than discount companies.


Date: February 12, 2019    Age: 30 to 39    Gender: Female    Marital Status: Unmarried

Customer Service
State Farm's customer service has been great. My agent has personally called me to let me know of any savings that were available.

Date: January 11, 2019    Age: 20 to 29    Gender: Female    Marital Status: Unmarried

Customer Service
Luckily I have not had to contact them often, but when I have for certain occasions they are usually quite responsive and helpful. I have not had a bad experience.

Date: October 02, 2018    Age: 30 to 39    Gender: Female    Marital Status: Married

Communication
I find interacting with my company is satisfactory. I do not give any businesses a perfect score as I always feel there is room for improvement in anything.

Date: September 23, 2018    Age: 30 to 39    Gender: Female    Marital Status: Unmarried

Customer Service
I haven't dealt much with their customer service. I have called to check on my payments and was very satisfied with their response time and information given to me.

Date: September 21, 2018    Age: 30 to 39    Gender: Female    Marital Status: Married

Customer Service
We have had very good experiences with State Farm and one very very bad experience with State Farm. They aren't the best at communicating things when there is an issue and it cost us a lot of money in a denied claim. I felt betrayed and we would have switched companies if it wouldn't have cost us so much more.

Date: September 04, 2018    Age: 40 to 49    Gender: Male    Marital Status: Married

Premium
State Farm was MUCH cheaper than the other companies we looked at (i.e. Travelers, USAA-surprising, etc.) We have all of our insurance policies with State Farm since it was cheaper if we bundled them.

Date: August 25, 2018    Age: 20 to 29    Gender: Female    Marital Status: Unmarried

Website/App
It's straightforward but I would love if it had a chat option. A quick way to talk about all of the policies I have with State Farm.

Date: August 07, 2018    Age: 30 to 39    Gender: Male    Marital Status: Unmarried

Policy Offerings
Everything inside and outside the main house as well as the carriage house and pool. It also includes an umbrella policy for $1 million.


Date: August 04, 2018    Age: 30 to 39    Gender: Female    Marital Status: Unmarried

Policy Offerings
I have full coverage which includes theft, acts of God, fire, hail, personal possessions


Date: May 31, 2018    Age: 30 to 39    Gender: Female    Marital Status: Married

Premium
I feel my premium is a little lower than some of the other insurance companies I researched. They had a pretty good overall rating for customer service.

Date: May 08, 2018    Age: 30 to 39    Gender: Female    Marital Status: Married

Website/App
It is very easy to navigate and find the information I need. It is easy to find contact information and set up auto pay. I can always check on my policy coverages.

Date: March 23, 2018    Age: 30 to 39    Gender: Male    Marital Status: Married

Communication
Communication is the biggest issue I have with State Farm. They only communicate when they are trying to sell us additional products.

Travelers Home Insurance Reviews

Date: September 23, 2018    Age: 40 to 49    Gender: Male    Marital Status: Married

Premium
The premiums are a bit cheaper than typical home insurance companies, like State Farm or All-State.

Date: September 15, 2018    Age: 30 to 39    Gender: Male    Marital Status: Married

Communication
They communicate very well. I can either talk to a broker who works nearby or when calling they are very polite and respectful.

Date: August 14, 2018    Age: Above 60    Gender: Female    Marital Status: Unmarried

Customer Service
The customer service is very good. They respond quickly and efficiently to any claims. They also have brokers whom I can speak with that are actual humans who work nearby.

Date: July 29, 2018    Age: 30 to 39    Gender: Male    Marital Status: Unmarried

Website/App
I have never used the company's website or mobile app. I work with an actual human broker.

Date: May 05, 2018    Age: 40 to 49    Gender: Female    Marital Status: Unmarried

Policy Offerings
Damage from fire, flood, acts of nature and additional coverage for any very expensive items.


GEICO Home Insurance Reviews

Date: August 08, 2018    Age: 50 to 59    Gender: Male    Marital Status: Married

Policy Offerings
damage caused by fires, lightning strikes, windstorms and hail, 10% of exterior structures like the toolshed


Date: July 27, 2018    Age: Above 60    Gender: Female    Marital Status: Married

Customer Service
We've just moved, so we've not had to deal with much of the company's representatives. It was easy enough to apply and set up coverage.

Date: May 26, 2018    Age: 40 to 49    Gender: Female    Marital Status: Married

Communication
They seem to mail notices in a timely manner. Email notifications are nice, as well.

Date: May 10, 2018    Age: 30 to 39    Gender: Female    Marital Status: Unmarried

Website/App
The website is easy to navigate - a big deal for me. The colors are not too straining on the eyes. I am able to find contact information easily.

Date: November 19, 2017    Age: 30 to 39    Gender: Female    Marital Status: Unmarried

Premium
The pice was about half of the other insurers. We almost went with USAA, our bank, but decided to check Geico, and were pleasantly surprised at the price, it was the lowest.

Nationwide Home Insurance Reviews

Date: September 07, 2019    Age: Above 60    Gender: Female    Marital Status: Unmarried

Customer Service
Although I've been insured with the company for more than ten years, I've never interacted with its customer service and can't write a negative review.

Date: November 19, 2018    Age: 30 to 39    Gender: Female    Marital Status: Married

Customer Service
I have had a good experience with the home owner's insurance companies customer service. However, when I first started using them I was able to walk into the office and get personalized information. Now, the company has moved to online only. That is fine because I prefer to contact most businesses online, but Nationwide's website is not personalized, I do not feel all of the information pertains to me.

Aetna Home Insurance Reviews

Date: January 23, 2019    Age: 20 to 29    Gender: Female    Marital Status: Unmarried

Policy Offerings
They have affordable prices. They make direct contact with the customer before arriving. Also they love to treat you as a individual instead of a number.


Allstate Home Insurance Reviews

Date: December 29, 2018    Age: 30 to 39    Gender: Male    Marital Status: Married

Customer Service
They gave us a good quote and we have not had any issues or concerns we've had to raise with them. As long as they keep the rates down we will stay with them.

American Family Insurance Home Insurance Reviews

Date: November 07, 2018    Age: 20 to 29    Gender: Female    Marital Status: Married

Website/App
My insurance company does not have a mobile app, and their website looks like it was created by an unpaid intern.

Farmer's Insurance Home Insurance Reviews

Date: July 14, 2019    Age: 20 to 29    Gender: Male    Marital Status: Married

Premium
i have the most coverage available i believe it is 100K worth could be more. other companies were going to charge me 4 times more the price i am paying now for less coverage

Erie Insurance Home Insurance Reviews

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