Coastal home insurance that fit your clients.


Coverage Solutions for Coastal Homes

Wilmington Insurance Agency provides retail insurance agents with a variety of homeowners and dwelling products, including coverage for full time residential owners, vacation homes and long-term rentals up to 16 weeks. Our coverholder binder targets homeowners on an HO-3 form and condominium owners on an HO-6 form. We are able to provide up to $5 million TIV limits, and have the capability to build larger limits on a facultative basis if necessary. Our footprint spans from the Delaware* coastline through Maryland down to Virginia (known as the DelMarVa area). Our appetite includes the Chesapeake Bay and Potomac River areas. We also have capabilities to write some of our products in a variety of other U.S. locations.

*Wilmington Insurance Agency provides coverage in Delaware only for risks outside the appetite of our admitted sister company, Wilmington Insurance Company.

What We Offer

Our homeowners policy covers the dwelling, other structures on the property, personal property, and loss of use. Available endorsements include: scheduled limits and blanket limits on an all-risk basis on specifically described property; a miscellaneous property floater for any property not specifically provided for under other endorsements; valuable articles on an all-risk basis with a blanket limit for furs, jewelry and silverware; coverage for “all causes of loss” on an actual cash value or specified limit basis on boats, motors and related equipment.

A key competitive advantage in the market is our low wind deductibles.

Be sure to also ask us about our primary flood, excess flood and wind deductible buyback options as well. We are able to place these coverages bundled with our homeowners product or in conjunction with other insurers.

The Wilmington Advantage

Our underwriters are focused on providing quality service and timely quotes to meet your deadlines and support and strengthen your sales and marketing efforts. Utilize our “quick quote” feature in our agency portal for a quick indication prior to remitting your application via our online portal, e-mail or upload.  Our automated platform enables you to receive a quick bindable quote and have easy access to your accounts and underwriter contact.

Another key advantage with Wilmington Insurance Agency is that we have full claims settlement authority, enabling us to administer claims locally and get them paid quickly. When the rubber meets the road, we are here to help you get your insureds back on their feet and into their homes.

We’ll Help You Navigate the Coastal Property Market

Our products are exclusively distributed through independent insurance agencies and we look forward to expanding your book of business in the coastal insurance market. For more information about our products, please contact us at 302.231.2800.