North Carolina Coastal Insurance is an independent insurance agency based in Wilmington, NC, serving all counties throughout North Carolina with a particular focus on coastal communities including Brunswick, New Hanover, Onslow, and Pender counties. The agency specializes in understanding the unique insurance needs of coastal residents who face specific risks from extreme weather, hurricanes, and flooding.

Their core offerings include homeowners insurance (for primary residences, vacation homes, and rental properties), auto insurance, flood insurance, and wind & hail insurance. A key differentiator is their ability to work with partner companies to underwrite wind and hail coverage into a single comprehensive home insurance policy—helping coastal residents avoid the high premiums typically associated with separate wind and hail policies.

As an independent agency, NC Coastal Insurance shops coverage through multiple carriers including National General, Progressive, MetLife, Arrowhead, Hanover Excess & Surplus, and others to find policies and pricing that fit each client’s specific needs and budget. They also offer specialized coverage including DUI insurance, condo insurance (HO-6), tenant-occupied properties (DP-3), builder’s risk, commercial insurance, and umbrella policies.

The agency emphasizes accessibility and customer service, with associates available 8am-8pm, 7 days a week. Their stated goal is to make obtaining insurance “as easy and hassle-free as possible” while providing affordable products that don’t sacrifice coverage or quality for coastal residents’ unique situations.