American Harbor Insurance

American Harbor Insurance Our Mission is to insure that you get the maximum coverage for your money and the highest
level of service for all your insurance needs.

American Harbor Insurance Co. represents the leading insurance providers in the market and comprises a network of professionally trained Insurance Specialists with comprehensive knowledge and access to the finest, most competitively priced Home, Auto, Flood, Umbrella and Life Insurance products. We serve all of North Carolina especially the New Hanover, Brunswick and Pender counties. In this age,

of Internet-based Insurance services, individuals and families alike are seeking the most cost-effective insurance coverage they can get. But cost is not the only issue to consider. It’s equally important that you have the right type of insurance coverage. We are experts in serving your insurance needs and we understand the critical importance of developing an insurance solution that’s right for you, and your family

As June marks the midpoint of the year, it can be a natural time to reflect on the first half of the year and the goals ...
06/22/2026

As June marks the midpoint of the year, it can be a natural time to reflect on the first half of the year and the goals you set.

Whether you’re continuing to move toward a current goal or setting a new one, the confidence to get started does not always come before the first step. Sometimes it grows with each one.

As we settle into this month, what is one dream or goal you are ready to pursue with a little more boldness in the second half of the year? Share it in the comments. We would love to hear what you are working toward.

Here’s the scoop: It’s time to celebrate Father's Day! We wanted to shout out all of the dads, grandfathers, and father ...
06/21/2026

Here’s the scoop: It’s time to celebrate Father's Day!

We wanted to shout out all of the dads, grandfathers, and father figures who make our lives special. We hope that this Father’s Day is filled with quality time, well-deserved rest, and maybe even a couple of dad jokes.

June is filled with moments that remind us how courage, innovation, and a little bit of daring can leave a lasting mark ...
06/18/2026

June is filled with moments that remind us how courage, innovation, and a little bit of daring can leave a lasting mark on history. Here are a few milestones we are reflecting on this month:

🚀 June 18, 1983 - Sally Ride became the first American woman in space, launching aboard the Space Shuttle Challenger as a mission specialist. Out of more than 8,000 applicants, she was one of only six women selected for NASA's 1978 astronaut class.

🏀 June 6, 1946 - The Basketball Association of America was founded at a meeting in New York City, setting the stage for what would eventually become the NBA and for basketball to transform from a regional gym sport into a global phenomenon.

🎥 June 20, 1975 - Stephen Spielberg’s classic “Jaws” premiered. Not only did this movie become one of the first big summer blockbusters at movie theaters, but it also gifted us with one of the most iconic movie soundtracks of all time.

These moments continue to inspire conversations about leadership, equality, creativity, and the lasting impact of a single bold step on the world.

June is a wonderful time to celebrate the kind of community spirit that reminds us how much good exists in the world. Th...
06/16/2026

June is a wonderful time to celebrate the kind of community spirit that reminds us how much good exists in the world. This month, we are sharing a story that proves kindness has no age limit and that one act of generosity can change everything.

At Louisa County High School in Virginia, a group of teenage automotive students spend their semesters doing something truly remarkable. Instead of simply learning how to repair cars in an insulated classroom, they restore donated vehicles and give them away to single parents in need of reliable transportation. In partnership with the nonprofit Giving Words, the program has given away over 60 cars and repaired more than 260, one garage door reveal at a time.

For recipients like Jessica Rader, a single mom of three, the gift was far more than a set of wheels. It opened the door to full-time work, independence, and peace of mind. These students’ actions are a wonderful reminder of the lasting impacts that acts of kindness can have on our communities.

Read the full story here:

https://www.goodnewsnetwork.org/high-school-students-repair-cars-to-give-them-away-to-single-moms-youre-really-making-a-change-in-the-world/

Every June 14th, we celebrate the Stars and Stripes on Flag Day. While we’re all familiar with the United States’ flag, ...
06/14/2026

Every June 14th, we celebrate the Stars and Stripes on Flag Day. While we’re all familiar with the United States’ flag, we might not know all of the history behind this symbol.

To celebrate, we wanted to share a few fun facts about the history of the flag that might surprise you:

🔹 The current 50-star design was created by a 17-year-old. Robert G. Heft of Lancaster, Ohio, submitted the design as a high school project in 1958. It was chosen by President Eisenhower out of more than 3,000 submissions in 1960.

🔹 There have been 27 official versions of the flag. Twenty-five of those changes were solely to update the number of stars every time a new state joined the Union. The star additions were admitted on July 4th, and, together, they give us a rich visual history of the country's growth over time.

🔹 The colors for the flag have taken on their own meanings over the years. Charles Thomson, secretary of the Continental Congress in 1774, suggested that red represents hardiness and valor, white symbolizes purity and innocence, and blue stands for vigilance, perseverance, and justice.

🔹 Six American flags have been planted on the moon. Neil Armstrong and Edwin E. “Buzz” Aldrin were the first, but five additional Apollo missions have also left a flag on the lunar surface.

🔹 The current design is the longest-running version in history. No new states have been added since Hawaii joined the union in 1959, making this the most enduring flag design the country has ever had.

Wishing you a wonderful Flag Day filled with pride and appreciation for the history behind the flag we share.

June is National Fireworks Safety Month — a perfect time to plan summer celebrations that are fun and safe. Fireworks ar...
06/10/2026

June is National Fireworks Safety Month — a perfect time to plan summer celebrations that are fun and safe. Fireworks are exciting, but they also contribute to thousands of emergency room visits and fires each year.

While small displays put on near the home often seem safe, small fireworks can still pose a serious safety risk. However, there are plenty of ways to celebrate safely this summer. This can include laser light shows, drone displays, festive block parties, glow sticks, and confetti poppers.

It’s important to remember that even with precautions, accidents can still happen. Now is a good time to check in on your coverage and make sure you understand your liability basics heading into the season.

Have questions about your policy? Don’t hesitate to reach out to our team. We are here to help you.

A homeowners policy should not be something you buy once and forget. Rebuilding costs, liability exposure, and property ...
06/08/2026

A homeowners policy should not be something you buy once and forget. Rebuilding costs, liability exposure, and property risks can all change over time, and if your policy has not kept up, a loss can reveal coverage gaps at the worst possible moment.

Since June is National Homeownership Month, our team wanted to share a few homeowners insurance mistakes that can cause problems later down the line:

🏠 Outdated dwelling coverage - Rebuilding costs have increased significantly over the years. A home insured for $300,000 a few years ago may cost far more to rebuild today, leaving a potential coverage gap.

🏠 Choosing coverage based primarily on price - Focusing only on the lowest premium can lead to higher deductibles, lower limits, or key exclusions, which can create high out-of-pocket costs in the event of an emergency.

🏠 Ignoring flood or earthquake risk - Many homeowners assume these are covered under a standard policy, but these perils typically require separate coverage. Even in moderate- or low-risk areas, events such as heavy rainfall or ground movement can still cause costly damage.

🏠 Overlooking liability coverage limits - If someone is injured on the property or there’s accidental damage to others’ property, insufficient liability limits could leave the homeowner responsible for significant out-of-pocket costs.

A quick review can provide a clearer picture of how your policy would respond in a real claim and whether any limits, exclusions, or gaps need attention. Contact our office to schedule a policy review, and we can go over your terms and make sure your coverage still fits your home today.

June is National Homeownership Month, which makes now a good time to ask an important question: Does your homeowners ins...
06/04/2026

June is National Homeownership Month, which makes now a good time to ask an important question: Does your homeowners insurance still match the home you have today? Many homeowners set their policy once and rarely revisit it, but when updates are made or coverage needs change, coverage can quickly become outdated, leading to costly surprises at claim time.

Here are a few common homeowners insurance mistakes to avoid.

🏠 Unreported renovations - Kitchen upgrades, finished basements, or added structures such as sheds or garages can increase replacement costs, but current coverage may not reflect recent upgrades.

🏠 No home inventory - Without photos, receipts, or a basic list of belongings, it can be harder to document losses and support a claim.

🏠 Missing endorsements - Endorsements (also referred to as riders) can increase limits for high-value items or add coverage for things like sewer backup or equipment breakdown. If you’ve added valuable items or your needs have changed, adding an endorsement can help ensure that your home remains fully covered.

A policy review now can help catch small issues before they become bigger problems during a claim. Contact our office, and we can help you review your homeowners policy and ensure your coverage reflects your home, belongings, and current needs.

With summer home-improvement projects top of mind for most, I wanted to reach out with a couple of upgrades you can add ...
06/02/2026

With summer home-improvement projects top of mind for most, I wanted to reach out with a couple of upgrades you can add to your to-do list this season. Proactive maintenance and targeted upgrades can improve comfort and property value while reducing energy costs and even insurance claims.

Swipe for a few key home prep tips to consider this summer.

Preparing now can help protect your home, reduce insurance exposure, and improve long-term value. If you need recommendations for trusted local service providers, want tailored advice on prioritizing improvements that provide a strong return on investment (ROI), or just have a question, feel free to reach out. We’re here to help!

Address

4037 Masonboro Loop Rd, # 2A
Wilmington, NC
28409

Opening Hours

Monday 8am - 5pm
Tuesday 8am - 5pm
Wednesday 8am - 5pm
Thursday 8am - 5pm
Friday 8am - 5pm

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