2024

Last updated: May 1, 2024

Best Homeowners Insurance Agencies in Winston Salem

Our Recommended Top 15

We did the research for you!

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.

138 Reviewed

88 Curated

15 Top Picks

Learn about our selection process .

Providers

Valentine Insurance

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.

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License Verified:

License: 16465842

North Carolina Department Of Insurance

Nick Jitima

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.

License Verified:

License: 16465842

North Carolina Department Of Insurance

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Younts Insurance Agency, Inc.

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.

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License Verified:

License: 17607100

North Carolina Department of Insurance

Logan Robbins

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.

License Verified:

License: 17607100

North Carolina Department of Insurance

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Allgood Insurance

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.

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License Verified:

License: 2371103

North Carolina Department of Insurance

Peak Insurance Group

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.

License Verified:

License: 2371103

North Carolina Department of Insurance

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License Verified:

License: 6605140

North Carolina Department Of Insurance

Charles Brunson Agency - Winston-Salem

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.

License Verified:

License: 6605140

North Carolina Department Of Insurance

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Superior Insurance

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.

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Mountcastle Insurance

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.

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Clinard Insurance Group

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.

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ALLCHOICE Insurance

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.

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License Verified:

License: 1254871

North Carolina Department Of Insurance

Kristen Martin

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.

License Verified:

License: 1254871

North Carolina Department Of Insurance

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Summit Insurance Agency LLC

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.

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License Verified:

License: 14658746

North Carolina Department of Insurance

Kathryne Townsend

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.

License Verified:

License: 14658746

North Carolina Department of Insurance

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Wilson Insurance Services, Inc.

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.

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FAQs

Introduction

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.

What is the difference between home warranty and homeowners insurance?

Homeowners' insurance protects your home and property from damage from events that include storms, theft, and fires. A home warranty covers repair costs for parts of your home that eventually breaks down. For example, if a fallen tree damages your roof, it's typically covered by insurance, not the warranty.

Does Geico offer homeowners insurance?

Because auto insurance is Geico's focus and where they invest the most in advertising, many people know the company only as a car insurance provider. On the contrary, Geico does offer a range homeowners' insurance policies that cover dwellings, personal property, and personal liability, among other provisions.

How long does homeowners warranty insurance last?

Home warranties vary based on the provider of the coverage, but most home warranties last for one year. Once they run out, homeowners have the option of renewing the warranty or letting it lapse. If a covered item breaks down after the warranty period is over, repair costs won't be reimbursed.

Does homeowners insurance cover water heaters?

Homeowners' insurance doesn't cover water heaters when they break down from normal wear and tear. An insurance policy may cover water damage to your home and property if it malfunctions, and if the water heater is damaged by a fire or an accident, home insurance may provide the costs to replace it.

Are RVs covered under homeowners insurance?

Usually, an RV is covered under your homeowners' insurance, but that coverage will probably be subject to several exceptions and contingencies. For example, if you want to drive your RV, you'll either need car insurance or specialized RV insurance since the risks you'll face on the road do not fall under a homeowner's policy.

Do new buyers need owner\'s title insurance on a new home?

There are unique risks that a buyer of a new home may face. For example, property claims from previous owners or liens from suppliers whom the homebuilders never paid during construction. Title insurance protects the home from these perils, and your mortgage lender may require it.

Do owner builders need home warranty insurance?

In the United States, owner builders are not required to have home warranty insurance. If you're the one who built your home, you're expected to incur the costs of repairs yourself if a structure or appliance breaks down.

Are dogs deaths covered in homeowners insurance?

Usually, the loss of a dog or other pet is not covered by your home insurance. However, many insurance providers offer riders — packages of added coverage — for pets called pet insurance. This ensures that medical costs and property damage caused by your pets are fully covered.

Are earthquakes covered in standard homeowners insurance policies?

Standard homeowners' insurance policies do not cover damage directly caused by earthquakes. Insurance will sometimes cover indirect damage, however. For example, if an earthquake causes a fire in your home, damage from the fire will be covered under a standard home insurance policy.

Are homeowners insurance and car insurance deductible?

Homeowners' insurance and car insurance premiums are not deductible as personal expenses on your taxes. However, some percentage of your premiums may be deductible as business expenses if you own a business and use your car and home for business purposes. This may vary between states.

Are homeowners insurance payouts taxable income?

If you file a claim after a burglary at your home, for example, the insurance company will assess the value of the property lost or damaged and reimburse that amount. This payout is not taxable because it's not income — it's a replacement of lost value.

How frequent should one change auto or homeowners insurance to another provider?  

If you find home and auto insurance policies that you're happy with, you may never want to switch. However, various providers offer different combinations of coverage and price, so you may want to assess all your options every few years.

What should a homeowners insurance include/cover?

A homeowners' insurance policy should cover the dwelling, personal property inside and some outside, other structures on the property, and liability. For example, it should cover medical bills if a guest sustains an injury. Not all of these coverages are included in every policy.

How much homeowners insurance should someone carry?

How much insurance you need depends on the size of your home, its age, and other unique factors. Standard insurance policies cover around 70% of the total value of your home and additional covered property. Most policies that offer premises liability include $100,000 in liability coverage.

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