At Effective Coverage, we know you have many choices for your Wilmington, NC renters insurance. While there are fewer choices than there were some years ago because many carriers have pulled out of coastal areas and even stopped writing North Carolina Renters Insurance altogether, there are still a plethora of options. We believe that making educated decisions about your insurance needs is crucial, which is why we create these city and state renters insurance guides. Wilmington renters insurance can be very different from policies in other states, or even other parts of North Carolina, which is why education is part of our core values.
There’s much to know about renters insurance in Wilmington, and the best way to get the right coverage for your needs is to work with the North Carolina Renters Insurance experts at Effective Coverage. Our friendly insurance experts are highly trained in the areas they serve, and we are the only national full-service insurance provider focused on the needs of renters. Because our insurance experts work on salary, unlike most other major providers, we’re always happy to take the necessary time to answer all of your questions and to make sure that your needs are being met in the most cost-effective and productive way.
Take a few moments to review our guide to Wilmington renters insurance, and then do the right thing to protect your family: Call Effective Coverage and get protected today. It takes just minutes, and costs substantially less than you might expect. Our experts are here to help you get the right protection, and to make sure you understand the policy you’re buying. It only takes a few minutes to get covered, so make the call today.
Effective Coverage offers the nation's only completely mobile platform to quote and purchase renters insurance right from your phone or tablet in just one minute. Get an online renters insurance quote today and protect your family.
Wilmington, NC Renters Insurance
Does Renters Insurance In Wilmington, NC Cover Hurricanes?
Wilmington, NC renters insurance often is written with an exclusion for windstorm damage. This is because there’s a significantly increased risk of tropical storms and hurricanes on Wilmington renters insurance. But here’s the real question: Does it matter to you?
That’s crazy, you say, of course I want hurricane coverage on my Wilmington, NC renters insurance!
You may want it, but do you need it? Realistically, you’re not responsible for the structure. The building itself is what’s most likely to be damaged by a hurricane, not your property. Floods – defined as water or water-borne material moving along the ground are not covered by any renters insurance policy in Wilmington or elsewhere. Flood insurance is an entirely separate product. It’s available for renters, but not part of a renters policy. Wind coverage may be available separately as a wind only policy, but also not as part of your renters insurance.
Remember, though, you’re covered against all of the other common named perils, such as fire, theft, vandalism, smoke, burst pipes, and other perils. But since you’re not insuring the building, many people find that the lack of wind coverage is not a significant concern.
Why Is Renters Insurance So Expensive In Wilmington, NC?
That’s like asking why is bubble gum expensive – it’s just not. Wilmington, NC renters insurance averages anywhere from fifteen to twenty dollars a month. That’s pocket change for most people, and you honestly can’t even get dinner delivered for fifteen or twenty bucks, by the time you’ve paid tax and tip. Wilmington renters insurance is not just not expensive, it’s inexpensive. There is no more cost-effective way to protect your family. One call is all it takes, so go ahead and call Effective Coverage to get your Wilmington, NC renters insurance started in just minutes.
Renting In Wilmington, NC
Wilmington, NC is a small, cozy port city and the county seat of New Hanover County in North Carolina, located on the coast between the Cape Fear River and the Atlantic Ocean. Wilmington has its own Metropolitan Statistical Area, according to the US Census Bureau, which includes parts of New Hanover and Pender counties as well as some unincorporated areas.
Due to the perfect mix of social and natural elements, moderate climate with easily distinguishable seasons, great geographical location, and many annual festivals like Azalea festival and the Riverfest Wilmington is the most popular tourist destination in the region, although the city’s economy is not just based on tourism. A broad-based economy gives Wilmington an advantage, because any single economic sector will have ebbs and flows as time passes. Just look at High Point, NC – the entire city depended on furniture manufacturing, and when that started to decline they had to scramble to create jobs. High Point did an excellent job of exactly that, but it doesn’t change the fact that cities like Wilmington have more options as the economy naturally cycles.
Wilmington became a city in 1866, named in honor of Spencer Compton, the Earl of Wilmington, who was Prime Minister under George II. In 1840, Wilmington was the largest town in the state and remained so through the early 1900s because of the arrival of the Wilmington & Raleigh Railroad and the ports along the Cape Fear River. Once the railroad was completed in 1840, it became the longest railroad track in the world at the time.
Wilmington possesses great cultural elements which strike an ideal balance. Wrightsville beach is an exotic location for those who enjoy surfing,sailing, sunbathing or all kinds of exotic sea-foods. In the Thalian Hall center for the Performing Arts you can have a sophisticated night out, enjoying your time in art or taking out someone special. Airlie Gardens are said to be one of the most beautiful garden parks in the state, peaceful and quiet for those who like a bit of solitude from time to time.
At Noni Baca Winery you can spend a beautiful evening tasting wine after a long day of work. Speaking of work, the city has a low unemployment rate and work can be found easily. Some of the major employers in Wilmington are New Hanover Health Network, New Hanover County Schools and General Electric.
Considering all that Wilmington has to offer, with home values of about $190,000 and median rents of about $800, the city is quite inexpensive compared to many other cities in North Carolina. Wilmington is also the home of EUE Screen Gems Studios, the largest domestic television and movie production facility outside of California. “Dream Stage 10,” the facility’s newest sound stage, is the third-largest in the US. It houses the largest special-effects water tank in North America. Since the studio’s opening in 1984, Wilmington has become a major center of American film and television production. Numerous movies in a range of genres and several television series, including Iron Man 3 and NBC’s Revolution, have been produced there.
Wilmington, NC welcomes you, and also welcomes your contribution to their strong local economy. Protect your investment in the city and your home with Wilmington renters insurance, and then relax, you’re safe with Effective Coverage.