I have been a long time customer and my needs changed to do a job change. I reached out to them…read moreprior to renewal and when I needed to switch after the renewal I was informed I'd get a refund of the balance paid. I received a check for $24.49. When I inquired as to why, they said that payment plans are subject to a 10% penalty for total amount of the 6 month policy less the 9 days of coverage. A simple heads up would have been a minimal courtesy. Instead of a simple apology or anything...they send me an email the in summary was: "We sent you a brochure thricely, you should have read it. Have a blessed day." Terry Morgan stated that they wished they could take the time to explain a policy to every policy holder and then took the time to condescend and gaslight me all the same. They said it was NC law that they could overcharge and charge this penalty. I have a string of emails. I guess I should have read the brochures that were printed "in black and white and it is YOUR responsibility to read and understand the policy." Yes the YOUR was in all caps. Absolutely unacceptable in every way. I will happily post the email for clarity.

Super friendly staff and loved taking headshots for this team! Teamwork makes the dreamwork!read more

North Carolina Coastal Insurance Company has been wonderful to work with for Home Owners, Auto, RV…read moreand Umbrella insurance. They have found me the best rates from across many underwriters. They handle all the legwork so that switching carriers (when there's a better deal the next year) is a quick, seamless process compared to DIY with insurance companies directly.

Sarah Bultler = 5 Stars…read more Months after Hurricane Florence home damage claims were filed and processed, there were still lingering payment issues with the carrier, Heritage Insurance. In trying to contact Heritage for resolution, I hit dead ends with phone numbers and email addresses. After calling NC Coastal Insurance, our agent for the Heritage policy for help in contacting Heritage, Sarah took over. Sarah made sure to understand my needs and questions, and then promptly found the answers and called and emailed me the info. Sarah went further with follow-through than I expected. Sarah went above and beyond with customer service. I'm very pleased with Heritage's response (an additional check), but wouldn't have received it without Sarah taking charge. Thank you Sarah.

Ever since Don Bullard's' successor sold out the business to Acrisure, it has gone down the tubes…read morerapidly. The customer service has gone from excellent, to virtually non-existant. It is almost impossible to speak to anyone due to understaffing, and I was recently told that Acrisure is about to let go of thousands more of their employees nationwide. After being with them for years, we will be soon looking for a new broker.

This is the absolute worst agency I have ever dealt with. They let my HO insurance laps twice. Once…read morewithout following through on an agreed upon plan and second because the carrier dropped coverage in the area. They are unresponsive, unprofessional and unhelpful. Can't advocate against them enough.

We had such a great experience working with Kimberly. What could have been a long journey in…read moresearching for different types of plans we told her what we needed and within 24 hours we had what we needed.

From the owner: For over 20 years, we have helped over 2,000 customers find the best deal for their situation…read more Whether it be for health insurance or car and homeowners/renters, we represent several companies and will be here when you need us!

Brad did a great job in asking what would best meet my coverage needs. The questions he asked to…read moremake sure my coverage was best for my needs was very helpful. Thanks

The service provided by this company is the worst I have ever seen. I have been waiting for a…read morerefund for a cancelled policy for months. The latest was this email they sent me two days ago about the refund. "Per the carrier, the refund check was mailed on 11/07/2025 to 14710 US Highway 17, Hampstead, NC 28443. Can you please check?" I drove there to see what it was and found that the address is the Horizon Insurance building in Hampstead, and they required me to check on it. It is now two days later (Dec 31st) and I have not heard any news from them regarding the check that was sent to their office. Total incompetence. Service is great until they get your money. Once they have your money they forget who you are.

Communication is not one of this company/agents strong points. once they have you as a customer…read morethey are done!

I , as well as other family members, have been clients of James E Moore Insurance for years. The…read morefew claims I have had were handled quickly and professionally with no issues or delays. They are independent agents which means they represent many different insurance companies. That means they can choose the insurance company that best meets my needs. It is family owned and has been in business since 1954. I would say that says a lot.

I have been with James E Moore for over 25 years. Each year for the last 6 years they have raised…read moremy homeowner's insurance. Last year by 500 dollars and this year 2025 over 1000 dollars. I tried to work with them, but they have turned into robots. Understand I only owe under 50k on my house. I have been paying on it for almost 30 years. They still are hitting me for wind and hail insurance which I have a VA loan and it has never required that, even though I kept is. However now the payment of 300 per month is more than my house payment. I really cannot afford that. Working with them has not been good. It used too. According to the insurance board it was only supposed to raise 15% again this year. They are charging over 30%. No explanation and were not happy I knew what the rate was supposed to be raised too.

I had my health insurance plan changed by another previous agent/agency without my permission, and…read morewas in a battle between the marketplace and the insurance company. Thank goodness I found this company; Connette was able to find the cause of my benefits changing, and stayed on the phone with me and the Marketplace to get it corrected, as well as making sure that my correct policy and benefits would be available. She is reporting the fraud for me and will be following up to help me get the benefits backdated. It is rare these days to find someone who will not only really listen to the facts and dig deep into a situation to find the cause, but go out of their way to help you. This company has your back. Thank you, Connette, from the bottom of my heart!

NC Insurance Advisors provided great quality service. When I walked into the office, I was…read moreconfused and unsure about what health plan I would choose and what the cost of their service would be. Well, I was assured that when I left the office, I would have a complete understanding of my health care plan. The cost of their service to set me up on the Federal Marketplace was absolutely free!! My experience was totally stress free and I saved on my health care plan, I was able to get life insurance as well. I feel completely covered knowing that I have both health and life insurance. Great job to the agents at NC Insurance Advisors!!

Moved from SC and was referred from my previous agent couldn't be happier with their friendly…read moreimmediate service for all my insurance needs!

We heard about Kelly Jones over at Franklin Rouse from a Compass Pointe neighbor. Truthfully, I…read morehate insurance and the whole insurance process here in Coastal Carolina, but I get it, and I understand the need for it. Kelly immediately put me at ease, she was fast, communicative, and extremely competent. I would never write a public review if I didn't mean it.

Best insurance company in Wilmington NC and surrounding areas !!! Been with them since 2005 and I…read moream well pleased with them !! Never had any problems !!! Kudos to All the staff and underwriters !!! 100% Give them a chance . I recommend bundling all your insurance needs , as it will give a bit of a discount !! Save you some $$$ 100% ...

The agents I have worked with have all been extremely knowledgeable and always able to find ways to…read moresave me money.