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.
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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-$125,000 |
Estimate your Savings with Home Insurance Discounts in Winston-Salem, NC | Back to Top
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$131 | $558 |
| Superior Protection Discount | -$69 | $620 |
| Fire & Security Discount | -$55 | $634 |
| Hail Resistant Roof Discount | -$21 | $668 |
| Newly Constructed Home Discount | -$179 | $510 |
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 |
| Forsyth County | $1,500 | $821 | $2,321 | $597 | $2,097 | $224 |
| Winston-Salem, NC | $2,500 | $681 | $3,181 | $495 | $2,995 | $186 |
| Tobaccoville, NC | $300 | $816 | $1,116 | $593 | $893 | $223 |
| Yadkin County, NC | $2,000 | $725 | $2,725 | $527 | $2,527 | $198 |
| Boonville, NC | $300 | $638 | $938 | $464 | $764 | $174 |
| Forest Oaks, NC | $2,000 | $1,151 | $3,151 | $836 | $2,836 | $315 |
| Price, NC | $200 | $659 | $859 | $479 | $679 | $180 |
| Gibsonville, NC | $700 | $718 | $1,418 | $522 | $1,222 | $196 |
| Ossipee, NC | $300 | $614 | $914 | $446 | $746 | $168 |
| Statesville, NC | $1,500 | $662 | $2,162 | $481 | $1,981 | $181 |
| Sandy Level, VA | $500 | $339 | $839 | $246 | $746 | $93 |
| Enochville, NC | $700 | $693 | $1,393 | $503 | $1,203 | $189 |
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
| Place | Typical Home Value | Typical Home Insurance Costs | 25th Percentile | 75th Percentile | Potential Savings & Difference between 25th & 75th Percentile |
|---|---|---|---|---|---|
| North Carolina | $161,000 | $894 | $630 | $1,220 | $590 |
| Forsyth County, NC | $151,400 | $831 | $570 | $1,180 | $610 |
| Winston-Salem, NC | $142,200 | $689 | $490 | $960 | $470 |
| Tobaccoville, NC | $143,800 | $826 | $560 | $1,130 | $570 |
| Yadkin County, NC | $127,300 | $733 | $490 | $1,010 | $520 |
| Boonville, NC | $104,300 | $646 | $470 | $920 | $450 |
| Forest Oaks, NC | $246,300 | $1,165 | $850 | $1,640 | $790 |
| Price, NC | $108,600 | $667 | $490 | $950 | $460 |
| Gibsonville, NC | $153,400 | $727 | $490 | $1,030 | $540 |
| Ossipee, NC | $99,500 | $621 | $440 | $860 | $420 |
| Statesville, NC | $119,500 | $670 | $480 | $920 | $440 |
| Sandy Level, VA | $63,300 | $343 | $250 | $480 | $230 |
| Enochville, NC | $115,500 | $701 | $480 | $970 | $490 |
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