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We have great homeowners insurance quotes and rates for your home in Wrightsville Beach, North Carolina, our online quoting process helps you compare the top insurance companies in Wrightsville Beach. Our free quoting process allows you to review up to 12 competitive home insurance rates to help you compare ratings, coverages and rates. Let us help you shop the best rate and coverage for your Wrightsville Beach home today, simply enter your North Carolina zip code or give us a call now!

The most common questions we get asked is "how much is my homeowners insurance going to be"? For homeowners living in Wrightsville Beach, NC, the average home policy is around $93 per month or $1,119 per year. Your new North Carolina homeowners premium will be paid annually, usually in a state of escrow managed by your mortgage provider. Average home rates are based on a standard home insurance policy, titled an HO-3. Home insurance companies rate risk differently so it is important to let a company like do the shopping for you and help answer any questions that you may have about your coverage, flood insurance, wind/hail coverage and discounts.

Additional questions asked about homes in Wrightsville Beach:

What is the replacement cost coverage for my home?
Home insurance companies will assign a replacement cost value to your home in case it was ever in need of rebuilding. Remember the cost to replace your home is not the same as buying the home because the cost of land does not need to be itemized as an expense when replacing the structure. Try our home replacement cost calculator to easily generate your total replacement cost coverage, you will see three options to choose from.

How many people live in Wrightsville Beach?
The total city area population for Wrightsville Beach, NC is 4,946.

How many homes in the Wrightsville Beach area?
The total homes in the city of Wrightsville Beach is 1,147 housing units.

What is the average Wrightsville Beach household income?
The average income in the Wrightsville Beach area is around $108,684.

How much do the homes in Wrightsville Beach cost on average?
The average cost of a home in Wrightsville Beach is estimated to be around $805,300.

Compare Homeowners Insurance Rates in Wrightsville Beach, NC!

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Get up to 12 competitive Wrightsville Beach, NC homeowners insurance rates all in one place!

Enter your Zip Code:    
Easily compare up to 12 competitive Wrightsville Beach, NC rates all in one place!

Wrightsville Beach, NC Insurance Carriers

With over 20 years of North Carolina home insurance coverage and quoting experience, we enjoy helping customer find the best rate and coverage options for your home in Wrightsville Beach, NC. Our new carrier platform includes quick rates from the very best insurance companies, like Liberty Mutual, Safeco Insurance, Tower Hill, ShoreOne, Kind Group Underwriting, AIG, Chubb, Travelers, National General, Heritage Insurance and the North Carolina Joint Underwriting Association (NCJUA) for wind and hail insurance policies. Getting the best insurance rates with the right insurance company is key to protecing your most valuable investment, your Wrightsville Beach home. Let us help you shop the best North Carolina home insurance rates and coverages today!

Average Rates Nearby Wrightsville Beach

Are you looking for homeowners insurance in a city near Wrightsville Beach? Review coverage options and average rates in your area by clicking your city below. We can help you shop home insurance rates!

Home Insurance Rates by Zipcode in Wrightsville Beach, NC

Easily review average rates and get multiple homeowners insurance quotes by clicking your zip code below located in Wrightsville Beach.


Wrightsville Beach, NC Home Insurance Average Premiums

Local Wrightsville Beach, NC home insurance quotes comparison

$645 /yr.

Shows Wrightsville Beach's lowest average rates with discounts applied.

For the city of Wrightsville Beach, homeowners insurance rates may vary on deductible, coverage amount and property details. Below is a list of the averages based on the cost of an annual home insurance premium.

Coverage Amount:Annual Premium
1800 sq. ft. or below
(discounts applied)
$645 /yr.
Average Coverage:$895 /yr.
2600 sq. ft. or higher
(all discounts applied)
$1195 /yr.

What is the average home insurance cost for a home in Wrightsville Beach, NC?

  • • The average homeowners insurance premium paid annually for a home in Wrightsville Beach is around $895 per year.

What does it cost on average per month for home insurance in Wrightsville Beach, NC?

  • • Homeowners in Wrightsville Beach pay an average cost per month around $75.00 for insurance coverage.

Wrightsville Beach, NC Coastal Wind, Hail & Flood Information

Wrightsville Beach is located in a coastal county which greatly increases the risk of hurricanes and windstorms. Our quoting process will include wind and hail coverage options to give you the best protection you need against high winds and storm damage.

Flood Zone Notice: The beautiful coastal city of Wrightsville Beach is know for it's beautiful beaches and waterways. Because New Hanover County (FIPS: 37129) has a shoreline and is in a coastal area it is important to purchase flood insurance. The risk is very high in this area and we will work with you to provide the best flood insurance coverage you need for your home in Wrightsville Beach, NC.

Coastal NC Home Insurance Information:

Wrightsville Beach, NC - 2023 Housing Information

Month Current Home Value (2023) Last Year Home Value (2022)
January $1,316,925 $1,172,989
February $1,316,516 $1,193,591
March $1,324,512 $1,219,100
April $1,332,549 $1,250,878

Homeowners insurance will help cover the cost to repair or replace your Wrightsville Beach home if it is damaged or destroyed by a covered peril, up to your coverage limits. A homeowners policy is made up of a few different coverages. Here are the most common coverages:

  • Dwelling: This coverage will pay to repair or replace the structure of your home if it is damaged or destroyed. Review and Calculate Replacement Cost Coverage in Wrightsville Beach
  • Liability: This coverage will help cover medical and legal bills if someone is injured in your home, slipping on an icy sidewalk for example. It also offers protection if you damage another person’s property, your child hitting a baseball through a neighbor’s window for example.
  • Contents: This covers the cost to replace your personal possessions that are destroyed by a covered peril. Furniture, electronics, clothing and household goods are excellent examples. Contents coverage is often capped at 50% to 70% of your dwelling coverage.
  • Other Structures: This coverage protects other structures on your property such as detached garages, outbuildings, barns, and sheds.
  • Loss of use: This covers everyday costs that you incur if you cannot live in your home while it is being repaired due to a claim. It will pay hotel and restaurant bills and even the cost of dry cleaning.
Enter your Zip Code:    

Get up to 12 competitive Wrightsville Beach, NC homeowners insurance rates all in one place!

Enter your Zip Code:    
Easily compare up to 12 competitive Wrightsville Beach, NC rates all in one place!

Saving Money Tips on Wrightsville Beach Home Insurance

A great way to save money on Wrightsville Beach homeowners insurance is to make sure you are getting all the discounts you are qualified to receive. Here are just a few of the most common discount’s insurers offer:

  • Bundling: If you purchase your home and auto (or any other insurance coverage) from the same insurer, you should get a bundling discount. Expect to save 20%-25%.
  • Secure your home: Adding a monitored security system, water leak sensors, deadbolts, and smoke detectors should result in a discount.
  • Impact resistant roof: If you are replacing your roof, consider impact resistant roofing materials which help prevent hail and impact damage as well as resulting in a significant discount.
  • Stay claim free: If you have been claim free for a number of years (five is a common requirement) your insurer should offer a claim free discount.

Are you shopping for the best rate near or wihin the Wrightsville Beach area? Check out what homeowners are paying on average for North Carolina homeowners insurance.

Elevation Review for Coastal Wind or Flooding Risk

Elevation Details Homeowners Tips
0 ft. This is the average home elevation in Wrightsville Beach, NC

» Elevation is crucial to a homeowners insurance policy because it determines the risk of your home being in a flood zone which is particularly important in a coastal state such as Wrightsville Beach, North Carolina.

A standard homeowners policy does not cover flood damage. If you live in a flood prone area, you will need to purchase a separate flood to fully protect your home.

Call Now for Flood Insurance Quotes: 888-620-1954!

Flood insurance can be purchased via the National Flood Insurance Program (NFIP) or in the private market. NFIP policies come with coverage caps and other restrictions so you may need to supplement your flood insurance coverage with a private market policy.

It's important to remember that flooding occurs in low and moderate risk areas as well. According to FEMA data, almost 25% of all flood claims come from low to moderate-risk areas.

To get online quotes on your home and compare rates on home insurance premiums in Wrightsville Beach, enter your zip code above and easily complete our online quoting application. Remember, it's important to speak with us about additional home insurance discounts so you can get the best rate for your home in New Hanover County.

North Carolina Homeowners Insurance News & Information

  • North Carolina Joint Underwriters and Wind Pool Map Explained Posted on Wednesday 5th June, 2024

    North Carolina is a lovely state to call home. Our state is packed with beautiful cities, museums, restaurants and of course, some of the loveliest beaches in the country. Unfortunately, if you live in one of our amazing coastal southern cities such as Ocean Isle Beach, Sunset Beach, Oak Island Beach, Calabash, Bald Head Island, […]

  • North Carolina Coastal Home Insurance Rates Posted on Friday 29th March, 2024

    North Carolina is a fantastic place to live with plenty of cultural activities, beautiful beaches, world-class cities as well as great restaurants and shopping. The only disadvantage to living in North Carolina, particularly if your home is located in coastal area is the cost of homeowners insurance. The average premium for a standard homeowners insurance […]

  • NC Residents Speak Against 42% Rate Increase Requested by Rate Bureau Posted on Tuesday 13th February, 2024

    During a recent public comment session held by the North Carolina Department of Insurance, dozens of North Carolina residents spoke out against an average rate increase of 42% that the North Carolina Rate Bureau is requesting.  The Rate Bureau represents insurance companies in the state and earlier this year requested average rate increases of 42%. […]

  • North Carolina: 2024 Homeowners Insurance Rate Increase Proposed Posted on Friday 19th January, 2024

    Recently, the North Carolina Rate Bureau requested that the N.C. Department of Insurance allow increases to homeowners’ insurance rates by an average of 42.2 percent. If the NCDOI agrees, the proposed rates will go into effect Aug. 1. However, it is also possible that the NCDOI will not agree to the increase and deny the […]

  • 2024 Homeowners Insurance Outlook Receives Negative Rating Posted on Tuesday 21st November, 2023

    The insurance news for 2024 is certainly not great. Experts expect that extreme weather and increasing costs will push up insurance costs and make insurance companies more selective when deciding where they will write policies.  Recently, credit rating agency AM Best downgraded the entire home insurance industry from stable to negative. According to Richard Attanasio, […]

Wrightsville Beach, NC Dwelling Coverage Estimate

It is important to calculate your dwelling coverage for your home in Wrightsville Beach so you know what type of homeowners insurance coverage you need to cover your replacement cost. It is recommended to have enough dwelling coverage to rebuild your home if it was destroyed by a covered peril.

Please remember that replacement cost coverage does not include the cost of the land, only the price to rebuild your home, which is why we like to help customers by answering a few questions that you may have.

What is the average replacement cost coverage in Wrightsville Beach, NC?

- The average square footage in Wrightsville Beach is around 2,404 Sq. Ft. which would cost you around $805,300 to replace the home if you base the home on the price to build per square foot of $335.

Minimum Replacement Cost Total: $805,300

Location: Wrightsville Beach, North Carolina (New Hanover County)

Average Building Cost Per Square Foot in Wrightsville Beach: $335 (low end)

Average Square Footage in Wrightsville Beach: 2,404 Sq. Ft.

Home Improvement StatusPrice per Sq. Ft.Dwelling Coverage
None or Very Minor Improvements$335$805,300
Some Additional Upgrades$419$1,006,625
Major Home Updates or Advancements$503$1,207,950

The dwelling coverage is calculated by the average cost per square foot ($335) in Wrightsville Beach, North Carolina times your heated square footage. Which would equal the cost to rebuild your home minus the cost of the property or land. Some homes will have a higher replacement cost due to home improvements like updated kitchens and bathrooms. Other upgrades may include: granite countertops, hardwood floors and stainless steel appliances. The national square foot average to build a brand new home is around 2500 square feet. So if you are looking to build, and your square footage of your new home is 2500, you are looking at a dwelling coverage premium of around $1,046,875 (Media price to build of $419 x 2500 sq. ft.) to cover the cost to rebuild your new home.

What is the difference between actual cash value and replacement cost value?

Homeowners insurance is available in both actual cash value (ACV) and replacement cost value (RCV). Knowing the difference is important:

Actual cash value: When valuing your personal possessions, an actual cash value policy will take depreciation into account. This means that your 10-year-old TV will be basically worthless according to your insurance company. While an ACV policy tends to be cheaper, if you have to make a claim you may be disappointed in your claim payout.

Replacement cost value: A RCV policy will replace your possessions with brand new items of similar quality regardless of how old they were at the time they were destroyed. While RCV policies are slightly more expensive, they are well worth the cost if you have to make a claim.