Affordable Windstorm and Hail Insurance in NC
At Cold Mountain Insurance, we make protecting your home from severe coastal weather both simple and affordable. Our agency offers the best homeowners insurance options with windstorm and hail coverage as well as stand-alone windstorm and hail policies tailored to the needs of Brunswick County, New Hanover County, and surrounding coastal North Carolina communities.
Whether you’re a first-time homeowner, securing coverage for a vacation property, or searching for a better rate, we shop multiple top-rated carriers to find you the most competitive rates without sacrificing protection. From hurricanes to hailstorms, we ensure your family’s biggest investment is safeguarded with reliable coverage and personal service you can count on.
Homeowners with Wind and Hail Included
At Cold Mountain Insurance, we understand the convenience and savings that come from having everything under one roof. That’s why we offer homeowners insurance policies that include windstorm and hail coverage in a single policy.
Instead of juggling multiple bills and separate policies, you can enjoy comprehensive protection against fire, theft, liability, hurricanes, and hailstorms all in one streamlined plan. By combining coverages, our clients often save money and reduce the stress of managing insurance. Serving Brunswick County, New Hanover County, and all of coastal North Carolina, we make it easy to protect your home with coverage built for our coastal weather.
NCJUA-NCIUA and Other Standalone Wind and Hail
At Cold Mountain Insurance, we provide flexible options for windstorm and hail insurance through the NCJUA-NCIUA (Coastal Property Insurance Pool) as well as other stand-alone wind and hail carriers.
In many cases, the most affordable way to insure your home in coastal North Carolina is to separate the homeowners policy from the windstorm and hail policy, using two different companies to maximize savings. Our team shops both admitted and non-admitted stand-alone markets to find the best combination of coverage and price, ensuring you get strong protection against hurricanes, tropical storms, and hail while keeping your overall insurance costs lower. Serving Brunswick County, New Hanover County, and all of coastal North Carolina.
What happens if I have a claim?
My home is damaged, what happens now?
When a homeowners claim occurs, whether from a storm, fire, or unexpected damage it can feel overwhelming to know where to start. At Cold Mountain Insurance, we want you to know you don’t have to go through the process alone. While we are not licensed claims adjusters, our role as your local, independent insurance agency is to assist you every step of the way. We can help you file your claim, explain what to expect, and serve as your advocate to make sure the process moves along as smoothly as possible.
In addition, we work closely with several trusted area storm remediation and restoration companies. If your home suffers damage, we can recommend reliable local professionals to help secure and repair your property quickly. Our goal is to be your partner in recovery—helping you get back on your feet with the right resources, clear communication, and guidance during the claims process.
Cold Mountain Insurance proudly serves homeowners across Brunswick County, New Hanover County, and the surrounding coastal communities of Wilmington, Leland, Bolivia, Supply, Southport, Winnabow, and Shallotte. Whether you’re recovering from hurricane damage, a severe thunderstorm, or other unexpected loss, our team is here to provide personal guidance and local expertise.
By combining affordable homeowners insurance options with hands-on claims assistance and connections to trusted storm remediation companies, we make sure families in southeastern North Carolina have the protection and support they need when it matters most.
