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Find Umbrella Insurance Agents Near You in Wilmington, NC

Browse umbrella insurance agents serving Wilmington, North Carolina. Updated 2026-07-14.

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.

Showing 23 umbrella insurance agents in Wilmington, NCListings are displayed in no particular order and are not ranked. Order does not constitute a recommendation or endorsement.

Comparison

Top 10 listings
#NameAddressPhone
1Able Insurance4008 Oleander Dr(910) 452-4333
2Sizemore Insurance - Wilmington4815 Oleander Dr Ste 100(910) 791-1011
3Jonathan Calhoun - State Farm Insurance Agent507 Shipyard Blvd(910) 632-2397
4Atlantic Coast Insurance Agency29 S Kerr Ave(910) 343-0030
5Acrisure Wilmington, NC (Don Bullard)110 Dungannon Blvd #150(910) 791-5400
6Superior Insurance2390 Carolina Beach Rd #101(910) 399-6628
7Chrystal Fray - State Farm Insurance Agent2547 S 17th St C(910) 799-9100
8Wells Insurance1 N 3rd St(910) 762-8551
9April Jones Insurance1213 Culbreth Dr Suite 455(910) 660-0215
10Insurance Solutions1201 Floral Pkwy(910) 332-0404
AI
4008 Oleander Dr
Able Insurance
Umbrella Insurance Agent · Wilmington, NC

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.

SI
4815 Oleander Dr Ste 100
Sizemore Insurance - Wilmington
Umbrella Insurance Agent · Wilmington, NC

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.

JC
507 Shipyard Blvd
Jonathan Calhoun - State Farm Insurance Agent
Umbrella Insurance Agent · Wilmington, NC

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.

AC
29 S Kerr Ave
Atlantic Coast Insurance Agency
Umbrella Insurance Agent · Wilmington, NC

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.

AW
110 Dungannon Blvd #150
Acrisure Wilmington, NC (Don Bullard)
Umbrella Insurance Agent · Wilmington, NC

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.

SI
2390 Carolina Beach Rd #101
Superior Insurance
Umbrella Insurance Agent · Wilmington, NC

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.

CF
2547 S 17th St C
Chrystal Fray - State Farm Insurance Agent
Umbrella Insurance Agent · Wilmington, NC

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.

WI
1 N 3rd St
Wells Insurance
Umbrella Insurance Agent · Wilmington, NC

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.

AJ
1213 Culbreth Dr Suite 455
April Jones Insurance
Umbrella Insurance Agent · Wilmington, NC

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.

IS
1201 Floral Pkwy
Insurance Solutions
Umbrella Insurance Agent · Wilmington, NC

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.

AI
2018 Eastwood Rd
ALLCHOICE Insurance
Umbrella Insurance Agent · Wilmington, NC
(910) 500-6116
allchoiceinsurance.com/wilmington
TI
1985 Eastwood Rd Suite 204
THG Insurance
Umbrella Insurance Agent · Wilmington, NC
(910) 338-1773
huneycuttgroup.com
SI
34 Covil Ave
Sheally Insurance Group
Umbrella Insurance Agent · Wilmington, NC
(910) 452-9877
sheallyinsurance.com
HM
720 Market St
Heinberg & Major Auto Insurance
Umbrella Insurance Agent · Wilmington, NC
(910) 762-9304
heinberginsurance.com
FI
1613 Military Cutoff Rd Ste 200
FinPoint Insurance Group
Umbrella Insurance Agent · Wilmington, NC
(910) 799-6161
finpointinsurance.com
MS
3710 College Rd Ste 135
Morgan Scheibel: Allstate Insurance
Umbrella Insurance Agent · Wilmington, NC
(910) 392-3392
agents.allstate.com/morgan-scheibel-wilmington-nc.html
JE
1508 Military Cutoff Rd STE 104
James E Moore Insurance Agency
Umbrella Insurance Agent · Wilmington, NC
(910) 256-5333
jamesemoore.com
BB
1985 Eastwood Rd Suite 204
Brandon Belisle-Insurance Broker- The Huneycutt Group
Umbrella Insurance Agent · Wilmington, NC
(910) 338-1773
huneycuttgroup.com
OI
5704 Oleander Dr #101
Owens Insurance Agency & Financial Services, Inc.
Umbrella Insurance Agent · Wilmington, NC
(910) 392-1985
stephenowensagency.com
AH
4037 Masonboro Loop Rd Suite 2A
American Harbor Insurance Co.
Umbrella Insurance Agent · Wilmington, NC
(910) 392-0880
americanharbor.com
AI
3009 Market St
AAC Insurance Group
Umbrella Insurance Agent · Wilmington, NC
(910) 254-1015
aacins.com
NC
3410 River Rd UNIT 202
North Carolina Coastal Insurance
Umbrella Insurance Agent · Wilmington, NC
(910) 591-1010
nccoastalhomeinsurance.com
AI
4655 Peachtree Ave
Azalea Insurance Services Inc
Umbrella Insurance Agent · Wilmington, NC
(910) 799-8611

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.

Umbrella Insurance Agents in Other North Carolina Cities

Listings are compiled from publicly available information. Inclusion does not constitute endorsement. Verify each umbrella insurance agent's credentials and current standing with your state Department of Insurance.