Affordable homeowners insurance rates in Winston-Salem, North Carolina

Winston-Salem is the county seat of Forsyth County, NC with an estimated population of 244,115 as of 2019. It's the fifth-largest in the state. Did you know that in 2012, CBS MoneyWatch listed it among the 10 best places to retire in the U.S.?

When you visit Winston-Salem, NC you will see why it is nicknamed the "City of Arts & Innovation." This city is home to the first arts council in the United States, which was started in 1949 due to the local art schools and attractions here.

How do I get the best and cheapest home insurance in Winston-Salem?

Let's Talk Affordable Home Ownership

Winston-Salem has an average home value of $202,068 as of 2021. But what it will cost to insure your home? Here are a couple of the questions your agent will ask you:

How much does your house cost?

How does your home's value compare to the average home value of $139,700 here?

How much would it cost to rebuild your house?

Just suppose you had a fire that burned your house down to its concrete foundation. Your agent will help you to figure out what it would cost to rebuild it from scratch.

What are the crime statistics for my neighborhood?

As of 2021, there is a crime rate of 58.22 per one thousand people here. This is higher than the national average. This means that you have a 1 in 116 chance of becoming a victim of a violent crime here. tells us that the rate for property crime is 49.62 per one thousand population which includes motor vehicle theft, arson, larceny, and burglary.

This means that your homeowner's rates will be impacted by the zip code you live in.

We offer quotes in the following zip code areas:

27103, 27105, 27107, 27101, 27102, 27104, 27106, 27108, 27109, 27111, 27113, 27114, 27117, 27120, 27127, 27152, 27155, 27110, 27115, 27116, 27130, 27150, 27157, 27198, 27199.

What weather conditions pose a threat?

  • Winston-Salem has a high risk for tornadoes. It averages about 1 tornado a year.
  • It lies in a very low-risk hurricane zone. Five hurricanes within 150 miles have been recorded since the year 2000. The most recent hurricane was Cindy in 2005.
  • During the rainy spring season, there can be flooding in the flood plains.
  • It has a very low earthquake risk, with a total of 6 earthquakes since 1931.

How close is your home to a fire department?

It only makes sense that the closer you are to a firehouse the faster the fire trucks can get there to save your home. That is why your insurance company will give you a discount the closer you live to one.

Did you know that there were 24 fire and emergency stations scattered throughout the greater metropolitan area? You can Google them to find out how close you will be.

How can InsuranceHub save you money on your homeowner rates?

Our agents know the tricks of the trade to save you money on your rates. After all, InsuranceHub has been in business since 1985, which means you benefit from all of that experience when you complete our quote form or call for a free quote.

Your agent will help you to get all of the necessary liability, fire, and dwelling coverage for your home. Next, they will help you identify every discount available to you to help lower your rates. For example, did you know that you can save up to 25% by combining your home & auto policy?

Finally, our agents will shop your home rates among many of the top insurance carriers in the country. We're talking about insurance companies like:

  • Nationwide
  • ASI
  • Universal
  • Safeco

And those are just a few of our go-to carriers. So, why not give us a try? It is simple and easy. 

Top Employers:

  • Wake Forest Baptist Medical Center
  • Novant Health
  • Winston-Salem/Forsyth County Schools
  • Reynolds American, Inc.
  • Wells Fargo
  • Hanesbrands Inc.
  • BB&T
  • Wake Forest University
  • Lowe's Foods

Things to Do in Winston-Salem:

  • Bethabara Historic District
  • Old Salem
  • Bethabara Park
  • God's Acre
  • BB&T Ballpark
  • Museum of Early Southern Decorative Arts
  • Reynolda Gardens
  • The Wake Forest University Museum of Anthropology
  • SciWorks
  • Children's Museum of Winston-Salem
  • Piedmont Opera Theater
  • Winston-Salem Symphony
  • Southeastern Center for Contemporary Art
  • Reynolda House Museum of American Art
  • National Black Theatre Festival
  • RiverRun International Film Festival
  • Reynolda Film Festival.
  • Heavy Rebel Weekender music festival

If you have made the "City of Arts & Innovation" your hometown, then give InsuranceHub a quick call for cheap homeowners quotes in Winston-Salem today.

Get started with the form below or pick up the phone to talk to one of our professionals at (877) 341-5728