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From your first apartment to your dream home, from daily commutes to weekend adventures—comprehensive personal insurance that grows with your life.
Safeguard your home and personal property with coverage designed for coastal North Carolina living. From first-time renters to waterfront homeowners, we protect what matters most with competitive rates and local expertise you can trust.
From daily commutes to weekend adventures, protect your vehicles with comprehensive insurance solutions. Whether you're driving through downtown Wilmington or cruising the coast, we've got you covered with competitive rates and responsive local service.
Specialized coverage for your recreational pursuits and lifestyle needs. From weekend sailing on the Cape Fear River to coastal cruising, we provide insurance solutions designed specifically for Eastern North Carolina's waterways and recreational lifestyle.
Independent agents who know your name, understand your needs, and fight for your best interests. Whether you're buying your first policy or managing complex coverage, we deliver the personal service and local expertise that online companies simply can't match.
After Nan helped me get the perfect health insurance coverage last month, Jordan Gauta helped me get the perfect auto insurance coverage today. I highly recommend The Insurance Center!
I really appreciate the assistance Ali Cox gives me. I have been a client of your agency for eleven years now and I have to say her customer service is second to none…
Customer service at The Insurance Center is top notch! Each time I deal with Jordan, she handles what I need very quickly and professionally. When I make a mess of things, she goes above and …
Definitely my first choice for insurance. Give them a call and they will help you choose the right policy’s and best rates for your insurance.
Toni Carr was terrific. She took the time to answer all of our questions and made it easy to make our decision. I have been in sales/customer service for many years and was particularly impressed …
Sheri always goes above and beyond to make sure I have the best coverage that I can afford. I highly recommend Sheri, Nan and the insurance center.
You're not just a policy number. Our agents know your name, your family, and your unique needs.
We shop dozens of top-rated insurers to find you the best coverage at the best price.
When disaster strikes, we're your advocate with the insurance company—not the other way around.
You're not just a policy number. Our agents know your name, your family, and your unique needs.
We shop dozens of top-rated insurers to find you the best coverage at the best price.
When disaster strikes, we're your advocate with the insurance company—not the other way around.
Whether you're buying your first policy or reviewing your current coverage, we're here to help you understand your options. Can't find what you're looking for? Give us a call at (252) 637-4173.
We recommend liability coverage that exceeds your total net worth, plus an umbrella policy for additional protection. For property coverage, ensure your home is insured for full replacement cost, not market value. Our agents review your assets and recommend appropriate coverage limits during your consultation.
Common discounts include bundling home and auto policies, installing security systems or smoke detectors, being claims-free for multiple years, and loyalty discounts for long-term customers. You may also qualify for discounts based on your home's age, construction type, or proximity to a fire station. We'll review all available discounts during your quote.
Standard homeowners insurance does not cover flood damage, so separate flood insurance is essential for many North Carolina homeowners. Even if you're not in a high-risk flood zone, over 25% of flood claims come from moderate-to-low risk areas. Given our coastal location and hurricane exposure, we strongly recommend flood coverage for most homes in the region.
Homeowners insurance covers your entire property structure and belongings. Condo insurance (HO-6) covers your unit's interior, personal property, and liability since the condo association's policy covers the building exterior. Renters insurance protects your personal belongings and provides liability coverage without covering the building itself. Each policy type is designed for your specific living situation.
In coastal North Carolina, many standard homeowners policies exclude wind and hail damage. Windstorm insurance fills this gap, covering damage from hurricanes, tropical storms, and severe wind events. You may need a separate windstorm policy through the NC Insurance Underwriting Association (Beach Plan) or as an endorsement to your homeowners policy. We'll help you understand your options and ensure you have complete coverage.
Your rates are based on factors including your home's age, construction type, location, claims history, and coverage limits. To save money, consider raising your deductible, bundling policies, improving home security, and maintaining a claims-free record. We shop multiple carriers to find you the best rate and will review your policy annually to ensure you're not overpaying.