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2024

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Best Homeowners Insurance Agencies in Winston Salem, NC

Our Recommended Top 15

We did the research for you!

  • Licensing
  • User Reviews
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Our goal is to connect people with the best local professionals. We scored Winston Salem Homeowners Insurance Agencies on more than 25 variables across five categories, and analyzed the results to give you a hand-picked list of the best.

138Reviewed

88Curated

15Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

108 Cambridge Plaza Dr, Winston Salem, NC 27104
WebsiteLicense: 2371103
Website

Expertise.com Rating

Review Sources

Google
4.9 (365)
Facebook
5.0 (60)

Why choose this provider?

Peak Insurance Group is an independent insurance agent that caters to individuals, families, and business owners in Winston Salem and beyond. With access to many insurance companies, it offers an extensive line of products, such as traditional homeowners' insurance and specialty dwelling policy. These protect homes' main structures and personal properties inside against damages from fire, accidents, and theft. The agency president Brent Johnson is actively involved in community organizations like The Red Cross and Make-a-Wish Foundation.

  • Homeowners

710 Coliseum Drive Northwest, Winston-Salem, NC 27106
WebsiteLicense: 16465842

Expertise.com Rating

Review Sources

Google
4.8 (23)
Facebook
5.0 (13)

Why choose this provider?

Nick Jitima, of State Farm Insurance, has been helping his clients from Winston Salem and nearby regions with their personal and residential property insurance. Jitima provides his customers with coverage in case of unforeseen contingencies and calamities. He and his team use their know-how and passion to answer their client's needs. Through this, they aspire to bring clearness, viability, and confidence so that their customers can live in confidence. Other services include auto, home, life, and health insurance.

  • Homeowners

126 N Main St, Denton, NC 27239

Expertise.com Rating

Review Sources

Google
5.0 (4)

Why choose this provider?

Valentine Insurance is a family-owned independent insurance agency serving the Winston-Salem, North Carolina, region with homeowners insurance since 1947. The company's team of agents compares and shops coverage services from top carriers locally and nationally to create customized homeowners insurance policies that protect dwellings and personal property against damage and loss and homeowners from liability. Valentine Insurance also specializes in mobile home and secondary home coverage as well as auto insurance to better serve clients with many different needs.

  • Renter's Insurance
  • Personal Property Insurance
  • Homeowners

4680 Brownsboro Road, Winston-Salem, NC 27106
WebsiteLicense: 6605140

Expertise.com Rating

Review Sources

Google
4.0 (18)
Facebook
5.0 (3)

Why choose this provider?

Charles Brunson Agency is a locally owned company in Winston Salem that has been in operation for over 20 years. The agency offers a full range of insurance products, including home insurance, as well as policies for life, businesses, automobiles, and recreational vehicles like boats, campers, and motorcycles. Its team of insurance agents is committed to providing quick, personalized, and professional personal and commercial insurance policies and developing lasting relationships with clients.

  • Homeowners

5066 Peters Creek Parkway, Winston Salem, NC 27127
WebsiteLicense: 14658746

Expertise.com Rating

Review Sources

Google
4.9 (143)
Facebook
5.0 (10)
Yelp
5.0 (2)

Why choose this provider?

Kathryne Townsend is a State Farm agent who provides car, life, and home insurance for local families in the Winston Salem area. Her agency, Townsend Insurance Agency Inc, also covers liability, boat, ATV, and small business insurance needs. The agency participates in organizations such as the Board of NAF Academy of Forsyth County Schools and supports Red Cross programs. It also sponsors community events and educates the general public with insurance videos through various social media platforms.

  • Homeowners

3001 Waughtown St, Winston Salem, NC 27107
Website

Expertise.com Rating

Why choose this provider?

AllGood Insurance is an independent insurance agency that helps residents find affordable homeowners insurance coverage that offers both property damage and liability protection. The agency was founded in 2003 and maintains two offices in Winston-Salem, North Carolina, and additional offices in Greensboro, High Point, and Thomasville. AllGood Insurance works with numerous insurance companies, including Travelers, Progressive, and National General Insurance to help clients find the right insurance coverage to meet their needs. The agency offers instant online quotes and bilingual services.

  • Flood
  • Personal Property Insurance
  • Multiple Policy Types

1139 Silas Creek Pkwy, Winston Salem, NC 27127

Expertise.com Rating

Review Sources

Google
4.4 (43)

Why choose this provider?

Superior Insurance is in Winston-Salem is part of a chain of independent insurance agencies that provides home insurance throughout North Carolina and Virginia. The agency specializes in providing homeowners coverage, offering specific coverage for vacant land, condos, and renters, as well as flood coverage. Superior Insurance also offers a variety of other insurance products from numerous carriers, including coverage on vehicles, commercial insurance, and life insurance.

  • Personal Property Insurance
  • Multiple Policy Types
  • Homeowners

420 Jonestown Road, Winston-Salem, NC 27104

Expertise.com Rating

Review Sources

Google
4.0 (49)

Why choose this provider?

Summit Insurance Agency LLC is an independent insurance agency, providing homeowners' coverage for residents in Winston Salem. It caters to first-time policy owners and also reviews potential or existing plans to look for missing coverage, like for flooding or fire damage. The agency can also examine the house to note special possessions and belongings, such as entertainment systems and jewelry, to add under replacement costs. Summit can also cover owners of high-value residences, condo units, and tenants of apartments.

  • Condos
  • Flood
  • Homeowners

916 W 4th St, Winston-Salem, NC 27101

Expertise.com Rating

Review Sources

Google
5.0 (46)
Facebook
5.0 (32)

Why choose this provider?

Since 1890, Mountcastle Insurance has been providing financial services to clients across the Winston-Salem metro. The company offers homeowners' insurance services and tailors policies to cover special collections, home business occupancies, and personal liability. It also deals with other insurance products, like flood insurance. The company manages commercial insurance and offers business owners various solutions, including workers' compensation, cyber security, and commercial auto insurance. One of the company's commercial insurance agents, Ryan Harman, is a former financial advisor with a decade of experience.

  • Renter's Insurance

4460 Wallburg Landing Drive, Winston Salem, NC 27107
WebsiteLicense: 17607100

Expertise.com Rating

Review Sources

Google
4.9 (112)
Facebook
5.0 (13)

Why choose this provider?

Logan Robbins is one of State Farm's 19,000 plus insurance agents. He helps Winston Salem homeowners who need to secure their properties through insurance policies. Robbins also serves clients with various types of insurance products for businesses, rental properties, and vehicles. In addition, he also offers life and health insurance products. Robbins also works in partnership with Quicken Loans. As a State Farm agent, he provides financial services, including banking, mutual funds, annuities, and investment solutions.

  • Renter's Insurance
  • Homeowners

3487 Robinhood Road, Winston-Salem, NC 27106
WebsiteLicense: 1254871

Expertise.com Rating

Review Sources

Google
4.0 (24)
Facebook
5.0 (9)
Yelp
5.0 (1)

Why choose this provider?

Kristen Martin is a State Farm agent who has been practicing her profession in Winston Salem since 1996. She offers home insurance products that not only provide homeowners the ability to repair or replace their homes but also cover valuables and provide liability coverage for guests. In addition, she also car, life, and small business as well as assistance for relocations. She is a former State Farm auto claims representative and has been a State Farm Chairman’s Circle Qualifier and State Farm Ambassador’s Travel Qualifier.

  • Personal Property Insurance
  • Multiple Policy Types
  • Homeowners

2513 Neudorf Rd, Clemmons, NC 27012

Expertise.com Rating

Review Sources

Google
5.0 (202)
Facebook
5.0 (10)
Yelp
5.0 (1)

Why choose this provider?

ALLCHOICE Insurance is a multi-line insurance company based in Clemmons, North Carolina, that works with nine carriers to provide home insurance to residents throughout the Winston Salem metro and surrounding areas. Founded in 2004 on the basis of a client-focused business model, the agency offers guaranteed replacement cost coverage, including compensation for rebuilding the home. The firm's scheduled personal policy covers high-value items, such as jewelry. ALLCHOICE also handles auto, long term care, and life insurance.

  • Renter's Insurance
  • Personal Property Insurance
  • Multiple Policy Types

3400 Healy Dr Ste 200, Winston Salem, NC 27103

Expertise.com Rating

Review Sources

Google
4.9 (70)

Why choose this provider?

Clinard Insurance Group is an insurance company based in Winston-Salem, North Carolina. It offers home insurance for single-family homes, mobile homes, condos, and renters. The company also helps landlords cover damage to dwellings from fires and floods, allowing property owners to combine up to 99 properties on a single policy. Clinard Insurance Group also offers auto and business insurance policies, as well as providing financial services to clients with high net worth.

  • Renter's Insurance
  • Condos
  • Fire

121 N Talbert Blvd, Lexington, NC 27292

Expertise.com Rating

Review Sources

Google
4.5 (29)

Why choose this provider?

Younts Insurance is an SIA Group Partner that offers personal and commercial insurance options to homeowners in Winston-Salem, North Carolina. The company helps its customers to design home insurance policies that protect their property and the belongings they store inside their homes. Covered events typically include fire, theft, and some natural disasters. Policies can be tailored to cover special collections, in-home businesses, and specialty items such as jewelry or art that are stored inside the house.

  • Personal Property Insurance
  • Multiple Policy Types
  • Homeowners

3288 Robinhood Road, Winston-Salem, NC 27106

Expertise.com Rating

Review Sources

Google
4.9 (84)

Why choose this provider?

Wilson Insurance Services is a homeowner's insurance agency that services residents in the Winston-Salem metro area. Since 1998, the agency has been helping individuals obtain insurance policies at a competitive value for their residential homes. The team at Wilson Insurance Services also provides personal auto insurance, life, disability, and long-term care insurance. They also offer commercial insurance products, such as tailored business insurance, professional liability insurance, general liability insurance, and property insurance.

  • Personal Property Insurance
  • Multiple Policy Types
  • Homeowners

Compare our Top Homeowners Insurance Agencies

NameExpertise RatingAddressPromotionsLearn more
Peak Insurance Group
108 Cambridge Plaza Dr, Winston Salem, NC 27104
Nick Jitima
710 Coliseum Drive Northwest, Winston-Salem, NC 27106
Valentine Insurance
126 N Main St, Denton, NC 27239
Charles Brunson Agency - Winston-Salem
4680 Brownsboro Road, Winston-Salem, NC 27106
Kathryne Townsend
5066 Peters Creek Parkway, Winston Salem, NC 27127
Allgood Insurance
3001 Waughtown St, Winston Salem, NC 27107
Superior Insurance
1139 Silas Creek Pkwy, Winston Salem, NC 27127
Summit Insurance Agency LLC
420 Jonestown Road, Winston-Salem, NC 27104
Mountcastle Insurance
916 W 4th St, Winston-Salem, NC 27101
Logan Robbins
4460 Wallburg Landing Drive, Winston Salem, NC 27107
Kristen Martin
3487 Robinhood Road, Winston-Salem, NC 27106
ALLCHOICE Insurance
2513 Neudorf Rd, Clemmons, NC 27012
Clinard Insurance Group
3400 Healy Dr Ste 200, Winston Salem, NC 27103
Younts Insurance Agency, Inc.
121 N Talbert Blvd, Lexington, NC 27292
Wilson Insurance Services, Inc.
3288 Robinhood Road, Winston-Salem, NC 27106

FAQs

  • Introduction

    Homeowners' insurance is a type of property insurance used by private property owners to protect their home and property from a range of risks and liabilities. It is also called home insurance.

    All homeowners' insurance policies cover the primary home on a property, meaning that most damage from weather, accidents, vandalism, and other events will be at least partially paid for by the insurance company. Many policies also include coverage for other structures, personal property, and some premises liability.

    It is not required by law that a homeowner purchases insurance for their property. However, if you have a mortgage, the lender will usually make purchasing a homeowners' policy a mandatory part of the loan process. Since the mortgage lender is essentially selling you the home, they require you to protect the investment.
  • Will your homeowner's insurance cover any injuries suffered by a guest in Winston Salem?

    Yes. Your homeowner's policy will cover injuries suffered by a guest while in your home in Winston Salem under its liability coverage. It will help you pay for medical expenses and lost wages up until the indicated policy limit. However, not all homeowner's insurance policies have liability coverage, and it is of utmost importance to check with your insurance agent about your insurance details.

  • Does homeowner's insurance cover damage from fallen trees in Winston Salem?

    Typically, homeowner's insurance does not cover the removal of a tree or the damages you incur when it falls on your property in Winston-Salem. However, there are circumstances when your insurance can cover the repair cost, such as when it is a healthy tree that was brought down by a storm and caused damage to your home.

  • Will your standard homeowner's insurance cover your flood damages in Winston Salem?

    No. Your standard homeowner's insurance will not be able to cover any damages incurred from flooding in Winston-Salem. You will need to get separate flood insurance coverage with the National Flood Insurance Program through insurance carriers to protect your home from flood damage. You are also allowed to secure non-NFIP policies through a private insurer if you want to have higher coverage.

  • Will you be liable for any injury a guest may suffer if you live in an apartment complex in Winston Salem?

    Your liability will depend on where the accident specifically occurred and the details of your rental contract in your apartment complex in Winston Salem. If the accident happened in a common area, such as a lobby, your landlord will be held liable; however, if your guest was injured inside your unit, most likely you will have to shoulder the liability unless the unsafe condition was the landlord's responsibility to address.

  • Will depreciation have an impact on your homeowner's insurance coverage in Winston Salem?

    Yes, depreciation will have an impact on your homeowner's insurance coverage in Winston-Salem. It consists of the age, condition, and current market value of your home and can affect your insurance claim, especially if you only have Actual Cash Value (ACV) coverage. To prevent the effects of depreciation, you may choose to have Replacement Cost Value (RCV) coverage, which pays you for the present market cost of repairs.

  • What determines the price of homeowners insurance premium?

    The premium, or monthly cost, of your homeowners' insurance policy depends on several factors, including the value of your home and amount of coverage you choose. Your credit history and whether the property is in a higher risk area also play a role.

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