The top-rated umbrella insurance agent in Wilmington, North Carolina is Able Insurance, rated 4.8 stars across 2,675 reviews. Other highly rated options include Sizemore Insurance - Wilmington, Jonathan Calhoun - State Farm Insurance Agent, Atlantic Coast Insurance Agency. This directory lists 23 umbrella insurance agents serving Wilmington.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | Able Insurance | 4008 Oleander Dr | (910) 452-4333 |
| 2 | Sizemore Insurance - Wilmington | 4815 Oleander Dr Ste 100 | (910) 791-1011 |
| 3 | Jonathan Calhoun - State Farm Insurance Agent | 507 Shipyard Blvd | (910) 632-2397 |
| 4 | Atlantic Coast Insurance Agency | 29 S Kerr Ave | (910) 343-0030 |
| 5 | Acrisure Wilmington, NC (Don Bullard) | 110 Dungannon Blvd #150 | (910) 791-5400 |
| 6 | Superior Insurance | 2390 Carolina Beach Rd #101 | (910) 399-6628 |
| 7 | Chrystal Fray - State Farm Insurance Agent | 2547 S 17th St C | (910) 799-9100 |
| 8 | Wells Insurance | 1 N 3rd St | (910) 762-8551 |
| 9 | April Jones Insurance | 1213 Culbreth Dr Suite 455 | (910) 660-0215 |
| 10 | Insurance Solutions | 1201 Floral Pkwy | (910) 332-0404 |
Able Insurance serves the Wilmington, North Carolina metro area as an umbrella insurance agent. It provides liability coverage that extends protection beyond the limits of standard homeowners and auto policies. This specialist service helps clients safeguard their assets against major claims and lawsuits. The agency focuses on offering supplemental liability insurance that addresses a broad range of potential financial risks. It handles both personal umbrella policies for individuals and families as well as commercial umbrella coverage for local businesses.
Sizemore Insurance - Wilmington provides umbrella insurance agent services, offering supplemental liability coverage that extends beyond the limits of standard home and auto policies. Its plans typically help protect policyholders from major claims and lawsuits by adding an extra layer of financial security. The agency serves clients throughout the Wilmington area, addressing the specific liability needs associated with various property types. Its scope of service includes coverage for single-family homes, apartments, retail spaces, and restaurants.
Jonathan Calhoun, a State Farm Insurance agent, serves Wilmington, NC, and the surrounding communities in the Cape Fear region, specializing as an umbrella insurance agent. This agency handles personal liability coverage that extends beyond standard home and auto policies to protect clients from major claims and lawsuits. For a typical job, the agent generally reviews a client’s existing insurance limits and personal assets to determine the appropriate level of additional liability protection, then explains how the policy fills potential coverage gaps.
Atlantic Coast Insurance Agency provides personal and commercial umbrella coverage that extends liability protection beyond standard policies for clients in Wilmington, North Carolina. Their service approach includes policy review to identify potential gaps, claim assistance coordination, and annual coverage assessments for changing risks. Ongoing maintenance involves monitoring coverage limits against asset growth and lifestyle adjustments. They service single-family homes, apartments, retail establishments, and restaurants throughout the Cape Fear region.
Acrisure Wilmington, NC (Don Bullard) distinguishes between one-time policy purchases for specific liability events and recurring annual coverage that maintains ongoing protection. Umbrella insurance agents in this area typically secure additional liability limits above standard auto and homeowners policies, safeguarding local assets from major claims. This extra layer is especially relevant for coastal properties and businesses near Wilmington. Their service operates on an as-needed basis, advising clients when new assets or risk exposures require policy adjustments.
Superior Insurance provides umbrella insurance agent services in Wilmington, NC, specializing in excess liability coverage that extends beyond standard homeowners and auto policies. The company works with local residents to secure broader protection against major claims and lawsuits, helping ensure financial safeguards for personal assets. Common scenarios include aiding clients who face elevated liability risks from rental properties or recreational vehicles. Superior Insurance also assists families with coverage needs during the peak hurricane season along the southeastern North Carolina coast.
Chrystal Fray - State Farm Insurance Agent in Wilmington, NC is recognized for providing umbrella insurance coverage that extends liability protection beyond standard policies. This agency serves local homeowners, auto owners, and renters seeking increased financial security against major claims or lawsuits. Their service range includes evaluating individual risk exposure to recommend appropriate supplemental liability limits. A specialty service this agency can add on is bundling umbrella insurance with an existing auto or homeowners policy for streamlined management and potential premium discounts.
Wells Insurance serves the Wilmington, North Carolina area, providing umbrella insurance coverage for individuals and families. This type of policy offers supplementary liability protection beyond the limits of standard auto and homeowners insurance. It helps shield assets such as savings and property in the event of a costly lawsuit or major accident. Umbrella insurance can also cover certain claims that underlying policies may not, including specific personal injury allegations. The agency handles both personal umbrella policies for residents and liability protection for local homeowners.
April Jones Insurance provides umbrella insurance coverage for individuals and businesses in the Wilmington, North Carolina area, offering an extra layer of liability protection beyond standard policies. It serves clients by reviewing their existing home and auto plans to identify gaps and recommend suitable policy limits. Maintenance services include policy updates to reflect changes in assets or risk exposure. The company handles liability risks for single-family homes, apartments, retail stores, and restaurants throughout the region.
Insurance Solutions serves homeowners, businesses, and property managers in Wilmington, North Carolina, seeking additional liability protection beyond standard policies. Its umbrella insurance coverage helps clients safeguard personal assets and shield commercial operations from catastrophic claims and lawsuits. The agency works with local insurers to build tailored layers of liability coverage suited to individual risk profiles. Service also extends to property managers requiring broader protection for rental portfolios. Its coverage area includes neighboring Leland and the Cape Fear region.
What Does an a Umbrella Insurance Agent in Wilmington Cost?
Typical costs for a 1 million dollar umbrella policy in North Carolina range from 150 to 350 dollars per year. Higher coverage amounts, such as 2 million dollars, may cost 250 to 500 dollars annually. Your premium depends on your risk profile, number of properties, and driving record. This is general information and not insurance advice.
About umbrella insurance agents in Wilmington
Umbrella insurance provides additional liability coverage beyond standard home and auto policies. In Wilmington, North Carolina, coastal property risks and higher liability exposure make this extra layer of protection valuable for many residents. A local agent can help you understand how North Carolina insurance laws affect your policy options and coverage limits.
Frequently Asked Questions
What does umbrella insurance cover in Wilmington?
Umbrella insurance covers liability claims that exceed your primary policy limits, such as bodily injury or property damage. In North Carolina, it may also cover legal defense costs for certain lawsuits. It does not cover your own injuries or property damage.
How much umbrella insurance do I need in North Carolina?
Most agents recommend at least 1 million dollars in coverage, but your needs depend on your assets and risk factors. North Carolina does not set a minimum limit for umbrella policies, but insurers often require underlying coverage of 300,000 dollars for auto and 300,000 dollars for home liability.
Do I need umbrella insurance if I have a boat or rental property in Wilmington?
Yes, owning a boat or rental property increases your liability risk. North Carolina law requires boat owners to carry liability insurance for certain watercraft, and umbrella coverage can protect against large claims from accidents on your property or watercraft.
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