Richlands Insurance & Realty
Local Insurance You Can Actually Count On — Since 1950
Richlands Insurance & Realty has served Onslow County and coastal NC for 75 years as an independent agency, which means we work for you, not a single carrier.
Affordable Coverage For Every Stage Of Life
We Know What Coastal NC Throws at You
Storms. Rural roads. Flood zones. Properties that national carriers misunderstand or won't touch. We've been writing coverage in this region since 1950, and we hold relationships with the carriers most active in coastal North Carolina — including those coordinating through the NCIUA for high-risk coastal properties. When you sit down with us, you're talking to someone who already knows what you're up against.
As an independent agency, we represent multiple carriers and can shop your coverage at renewal or whenever your situation changes. You don't have to start over with a new agent every time your needs shift. You keep the relationship. We do the legwork.
- 75+ years serving Onslow County and surrounding coastal NC communities
- Independent agency with access to multiple carriers — not tied to one company's products
- Combined insurance and real estate services under one roof
- Direct agent access during and after claims — no 1-800 number, no call center queue
- Multi-generational, family-owned operation rooted in downtown Richlands
Insurance For Every Stage
Personal Insurance
Home, auto, recreational vehicles, and umbrella coverage for individuals and families across Onslow County and coastal NC.
Commercial Insurance
Business Owner's Policies, general liability, contractors coverage, cyber liability, and more for small businesses operating in Eastern NC.
Life Insurance
Term life, whole life, and final expense coverage to help families in Richlands and across the region plan for what comes next.
Real Estate
Property sales, management, and rentals throughout Onslow County. When insurance and real estate are handled by the same team, fewer things fall through the cracks.
Frequently Asked Questions
What does it mean that you're an independent insurance agency?
It means we represent multiple insurance carriers rather than a single company. When you work with us, we can compare options across carriers to find coverage that fits your situation — and re-shop it at renewal without requiring you to find a new agent.
Do you write coverage for coastal NC properties, including flood-prone areas?
Yes. We hold carrier relationships with companies actively writing policies in coastal North Carolina, including those coordinating through the NCIUA for high-risk properties. We understand the specific risks that come with this region and know which carriers are equipped to cover them.
Can I get both insurance and real estate help from your agency?
You can. Richlands Insurance & Realty handles personal and commercial insurance, life insurance, and real estate — property sales, management, and rentals — all in one place. For buyers and sellers especially, having both services available through the same team simplifies the process considerably.
What areas do you serve?
Our primary office is in Richlands, NC, and we serve clients across Onslow County and surrounding coastal NC communities, including Jacksonville, Wilmington, and New Bern.
How do I pay my bill or access my carrier account?
We provide direct access to carrier payment portals for existing clients. Visit our Pay My Bill page to find your carrier's portal and manage your account online.
A Real Person Answers — and They Know Your Name
When a storm rolls through Onslow County, you don't want to spend an afternoon navigating a phone tree. Our agency is staffed Monday through Friday, and we've been alongside clients through multiple hurricane seasons since 1950. That kind of history isn't something you get from a national carrier call center. It comes from being here, staying here, and knowing the people we serve by name.
