How Can I Make My Winston-Salem, NC Home Insurance Cheaper

Gavop shows you how to buy homeowners insurance in Winston-Salem, NC by estimating coverage, choosing the right deductible, contacting the best agents, understanding claim requirements, comparing cheap rates, using discount options and reading reviews.

Compare Quotes from Top Providers and Save now!

Estimate Appropriate Winston-Salem, NC Home Insurance Coverage Levels | Back to Top

Winston-Salem, NC - Neighbourhoods, Census Blocks & Streets 3 Bedroom 2 Bedroom
Average Home Value Estimated Replacement Value Recommended Home Insurance Coverage Average Home Value Estimated Replacement Value Recommended Home Insurance Coverage
Walter Ct, Timberview Dr, Williamsburg Ct, William Dr, Canal Dr, Gyro Dr, Hunters Forest Dr, State Rd 3215, State Rd 4211, Welcome Dr $133,500 $110,000 $125,000-$150,000 $115,500 $110,000 $100,000-$125,000
Burnside St, Gateridge Ct, Hendrix Dr, Laurel Ln, Morgan Cir, Vincent Rd, Lily Dr, Lafayette St, State Rd 3951, Norfleet Dr $155,500 $130,000 $150,000-$175,000 $103,000 $80,000 $100,000-$125,000
Doral Dr, Northhampton Dr NE, Cox Blvd NE, Kirby St, Brookview Hills Blvd, Ridge Gate Ct, Nettlebrook Dr, W Lemly St, Cedar Ridge Cir, Barkwood Dr $165,000 $140,000 $125,000-$150,000 $87,500 $70,000 $75,000-$100,000
Wandering Ln, Barberry Ln, Konnoak Dr SW, Fox Point Cir, Greenmead Rd, Chevy Chase St, Deerhunter Ln, Mallard Lakes Dr, State Rd 1871, Sr3378 $178,000 $160,000 $125,000-$150,000 $141,000 $130,000 $150,000-$175,000
Sommerdale Ct, Forest Dr, Tryon St, Oakland Dr, Dilhast, Leinbach Dr, State Rd 2982, Holland St SW, State Rd 3968, Kingswood Dr $185,500 $150,000 $175,000-$200,000 $191,000 $160,000 $200,000-$250,000
Haley Ct, Shepherd Grove Rd, Ring Ct, Beta St, N Broad St, Maurice Williams Dr, Briarlea Rd, Rocklane Dr, Coletta Ln, Gracemont Dr NW $126,500 $100,000 $125,000-$150,000 $137,500 $120,000 $150,000-$175,000
Palmer Ln, Sr2692, Toll Gate Dr, Castes Dr, Newington Dr, Thompson Dr, State Rd 3985, Cole Rd, Elmhurst St, Linton $130,500 $120,000 $125,000-$150,000 $124,500 $110,000 $125,000-$150,000
Glade St, Andes St, Wellsprings Dr, Rockwell Hill Dr, State Rd 1318, Avon Rd, State Rd 1393, Hartfield Commons Ln, Cabot Place Ct, Maple Hollow Ln $170,500 $160,000 $175,000-$200,000 $84,000 $80,000 $75,000-$100,000
Pinebluff Rd, Papa's Trl, Piccadilly Dr, Champion Blvd, Warbler Rd, Oak Grove Church Rd, Mooney St, Chancerwood Dr, Sprinkle Farm Ln, Northwood Dr $135,000 $110,000 $125,000-$150,000 $118,500 $100,000 $100,000-$125,000
Attucks St, Swfortune St, River Dale Rd, Lynwood Ave, Beecher Rd, Don Ave, Donovan Pl, Walden Dr, Lullington Dr SW, Paso St $226,000 $210,000 $200,000-$250,000 $119,000 $100,000 $100,000-$125,000

Choose the Best Winston-Salem, NC Home Insurance Premium for your Background | Back to Top

Employment Status Credit Score Income Level Other Details Monthly Home Insurance Rate
Freelancer 650-699 Credit Score <$25,000 No Pets, Non-Smoker $620
Part Time Job 700-749 Credit Score $25 to 50,000 3 Pets, Non-Smoker $580
Unemployed 600-649 Credit Score No Income 1 Pet, Non-Smoker $170

Choose the Right Deductible for your Winston-Salem, NC Home | Back to Top

Low Deductible ($500) High Deductible ($2500)
Place Example Claim Amount Yearly Premium Total Yearly Cost Yearly Premium Total Yearly Cost Net Savings for High Deductible Plan
North Carolina $300 $760 $1,060 $650 $950 $110
Forsyth County, NC $1,500 $730 $1,230 $620 $2,120 $-890
Winston-Salem, NC $2,500 $680 $1,180 $550 $3,050 $-1,870
Tobaccoville, NC $300 $580 $880 $480 $780 $100
Yadkin County, NC $2,000 $550 $1,050 $470 $2,470 $-1,420
Boonville, NC $300 $610 $910 $510 $810 $100
Forest Oaks, NC $2,000 $1,040 $1,540 $900 $2,900 $-1,360
Price, NC $200 $480 $680 $400 $600 $80
Gibsonville, NC $700 $710 $1,210 $570 $1,270 $-60
Ossipee, NC $300 $500 $800 $430 $730 $70
Statesville, NC $1,500 $440 $940 $360 $1,860 $-920
Sandy Level, VA $500 $260 $760 $210 $710 $50
Enochville, NC $700 $530 $1,030 $440 $1,140 $-110

Identify Top Home Insurance Agents near Winston-Salem, NC | Back to Top

Home Insurance Company Winston-Salem, NC Homeowners Insurance Agency Winston-Salem, NC Address Popularity Score Distance from Winston-Salem (miles)
State Farm Brett Lindquist 5383 Robinhood Village Dr, Winston Salem, NC, 27106-9820
6.0
State Farm Emma Allen 4680 Brownsboro Rd Ste D, Winston Salem, NC, 27106-3428
3.3
Erie Central Carolina Insurance 2855 S Church St 2855 S Church St, Burlington, NC, 27215
43.3
State Farm Will Wilkins 6580 Shallowford Rd Ste 110, Lewisville, NC, 27023-8730
9.1
State Farm Joe Daniels 2200 Silas Creek Pkwy Ste 7a, Winston Salem, NC, 27103-5000
2.4
Nationwide Sandra L. Mabe 4012 Country Club Rd, Winston Salem, NC, 27104
3.4
Erie Russell And Cook Insurance 1407 Nc Highway 66 S Suite N, Kernersville, NC, 27284
11.2
Allstate John Rose 1592 Concord Pkwy N, Concord, NC, 28025
49.5
State Farm Kirt Watkins 930 W 4th St, Winston Salem, NC, 27101-2518
0.5
State Farm Brock Thomas 725 W Main St Ste D, Jamestown, NC, 27282-7507
18.8

Compare Rates for Winston-Salem, NC Home Insurance Providers | Back to Top

Compare Quotes from Top Providers and Save now!

Place Typical Home Value Typical Home Insurance Costs 25th Percentile 75th Percentile Potential Savings & Difference between 25th & 75th Percentile
North Carolina $153,600 $910 $660 $1,250 $590
Forsyth County, NC $151,700 $650 $470 $900 $430
Winston-Salem, NC $141,500 $580 $390 $800 $410
Tobaccoville, NC $151,300 $740 $500 $1,050 $550
Yadkin County, NC $114,900 $620 $450 $880 $430
Boonville, NC $122,300 $600 $430 $850 $420
Forest Oaks, NC $210,200 $860 $590 $1,230 $640
Price, NC $98,300 $390 $280 $550 $270
Gibsonville, NC $160,100 $800 $540 $1,130 $590
Ossipee, NC $108,200 $550 $370 $790 $420
Statesville, NC $116,800 $650 $460 $920 $460
Sandy Level, VA $61,900 $250 $180 $350 $170
Enochville, NC $111,000 $620 $450 $850 $400

Research Home Insurance Companies Reviews in Winston-Salem, NC Before Buying | Back to Top

Share a review on your home insurance company


State Farm Home Insurance Reviews

Date: April 07, 2019    Age: 30 to 39    Gender: Male    Marital Status: Married

Policy Offerings
State Farm's premiums are decent, not the best nor worse. But the claims are fairly easy to file. I would welcome cheaper rates. Fortunately, we have not had to file any claims.


Date: September 29, 2018    Age: 30 to 39    Gender: Male    Marital Status: Married

Premium
I have not checked any other premium in while. Since I already have car coverage with them I got another discount by bundling my home insurance with them.

Date: September 20, 2018    Age: 20 to 29    Gender: Male    Marital Status: Married

Customer Service
I never had a problem with anyone with the company when I needed to talk with them about anything.

Date: September 05, 2018    Age: 30 to 39    Gender: Male    Marital Status: Unmarried

Policy Offerings
I have the fire, flood, home, and theft insurance. I was offered insurance to cover some other things, as well as health insurance and life insurance but I declined further services to keep my costs down.


Date: August 13, 2018    Age: Above 60    Gender: Male    Marital Status: Married

Website/App
I like being able to access my invoices online, I'm not near the office where I got insurance and I hate calling out. Being able to pay online is very nice, I also get a copy of my invoices to my email. The app offers similar services, but I don't use it too often. I handle all my bills from my office desktop.

Date: August 08, 2018    Age: 30 to 39    Gender: Male    Marital Status: Unmarried

Premium
I pay a little bit more on my insurance for some higher coverages and lower deductibles. I know I pay more than my previous company Esurance, but the conversations I have been more forthright, and better handled through state farm.

Date: August 07, 2018    Age: 40 to 49    Gender: Male    Marital Status: Married

Communication
I have no problem interacting with them. When I go the coverage they sat me down and explain everything to me that I needed to know.

Date: June 17, 2018    Age: 30 to 39    Gender: Male    Marital Status: Unmarried

Policy Offerings
I got coverage for cars guns and personal property. I also got coverage if anyone gets hurt and need to go to the hospital.


Date: May 25, 2018    Age: 30 to 39    Gender: Female    Marital Status: Married

Website/App
I like how easy it will be to follow a claim on my phone app if something goes wrong in any way.

Date: November 18, 2017    Age: 40 to 49    Gender: Male    Marital Status: Married

Communication
The only thing I dislike about communicating with state farm is they frequently try to upsell me on extra insurance. I would typically know when I needed more, it's nice to hear someone just talk about what you want to talk about.

Date: November 18, 2017    Age: 30 to 39    Gender: Female    Marital Status: Unmarried

Customer Service
I like everything about state farm. I've had progressive, insurance, and MetLife through one employer. Metlife was great, but they sucked at customer service. Progressive is great and Esurance is okay on insurance, but state farm It really feels like they care about what I have to say.

Allstate Home Insurance Reviews

Date: January 02, 2019    Age: 30 to 39    Gender: Male    Marital Status: Unmarried

Customer Service
I really like my insurance company AllState. They are always willing to help me if I need anything with the company. I am very satisfied with their customer service.

Date: December 29, 2018    Age: 30 to 39    Gender: Male    Marital Status: Married

Customer Service
the service to the client of the company, to fulfilled my expectations and has been very efficient, they have always been attending my needs

Date: December 01, 2018    Age: 40 to 49    Gender: Female    Marital Status: Married

Policy Offerings
Seems Allstate is comparable to most other home insurance companies with their policy offerings as they offer about the same things and prices as others.


Date: October 02, 2018    Age: 20 to 29    Gender: Female    Marital Status: Unmarried

Website/App
I don't have their app so I don't know. my mom is my insurance agent so if there are questions I ask her.

Date: October 01, 2018    Age: 20 to 29    Gender: Male    Marital Status: Married

Premium
I think my mom does what she can to get us the best coverage for the best price so I think it is at least comparable to what's out there. I would always love to pay less but that isn't going to happen.

Date: September 19, 2018    Age: 30 to 39    Gender: Female    Marital Status: Married

Policy Offerings
We have our home covered on replacement cost open peril policy with replacement cost on contents and open peril on contents. We have an inland marine endorsement for scheduled jewelry


Date: September 08, 2018    Age: 30 to 39    Gender: Female    Marital Status: Married

Customer Service
she's my mom. she does amazing and watches out for me and answers whatever questions I have whenever I need her.

Date: August 07, 2018    Age: 30 to 39    Gender: Female    Marital Status: Married

Communication
I don't want to be bothered by a lot of communication. they don't contact me unnecessarily and I like that.

Progressive Home Insurance Reviews

Date: February 09, 2019    Age: 20 to 29    Gender: Female    Marital Status: Unmarried

Customer Service
I would give my home insurance company's customer service a 3 because I haven't really used it as of yet. I talked briefly to someone in customer service when trying to make sure I was covered and they were friendly and helpful enough.

American Family Insurance Home Insurance Reviews

Date: November 04, 2018    Age: 30 to 39    Gender: Male    Marital Status: Unmarried

Policy Offerings
Dwelling, other structures, personal property, loss of use, personal liability, and medical payments to others.


Amica Mutual Insurance Home Insurance Reviews

Date: November 21, 2018    Age: 30 to 39    Gender: Female    Marital Status: Married

Premium
I am not happy with my premium. My policy has increased and I have only had it for a few years. I am not able to bundle my home and auto because my company does not provide a discount.

Farmer's Insurance Home Insurance Reviews

Date: December 31, 2018    Age: 30 to 39    Gender: Female    Marital Status: Married

Policy Offerings
My home insurance policy is very basic as I dont have big, expensive items in my house. So I wanted to cover the house itself and keep content coverage very minimum. Overall I didnt like my coverage either