Getting a Winston-Salem Home Insurance Quote Has Never Been Easier!
Finding the right Winston-Salem homeowners insurance can be confusing and time-consuming. TGS Insurance Agency is here to change that. Our expert home insurance agents do the hard work for you, making your home insurance shopping experience easy and stress-free. Getting started is simple; enter your address for a free, no-obligation instant quote, and our helpful team will take it from there!
What is Covered in Winston-Salem Home Insurance?
Don’t let unexpected losses threaten your home and personal belongings. With home insurance in Winston-Salem, you can have peace of mind knowing you’re covered against various risks. A standard policy typically covers your home’s structure, personal belongings, liability, and additional living expenses. But not all policies are created equal, so it’s important to work with an agent who can help you customize your coverage to fit your unique needs. Whether you need more protection for your high-value items or want to add coverage for specific risks like earthquakes or floods, we’ve got you covered.
Cost of Home Insurance in Winston-Salem
In Winston-Salem, home insurance costs an average of $943 annually for TGS Insurance customers. The cost of your home insurance is based on several different factors, including, but not limited to:
- The value of your home.
- Where your home is.
- How old your home is.
- The construction of your home.
- Your credit score.
These factors set a base for your home insurance, and then you can customize your coverage. The more coverage you choose to have, the more your yearly premium will be. TGS Insurance is here to help you find the best price without sacrificing any coverage you want.
Average Homeowners Insurance Cost by Coverage Level in Winston-Salem
The cost to replace your home is essential to determine the dwelling coverage you need on your home insurance policy; this limit directly impacts your home insurance premium. On top of affecting your average annual costs, having an accurate replacement cost can prevent you from being underinsured if a covered loss takes your entire house. These are the average annual home insurance costs in Winston-Salem, North Carolina, based on dwelling coverage limits associated with the policy.
Dwelling Coverage Limits Average Annual Premium (incl. Windstorm & Hail Coverage)
$100,000.00 - $199,999.00 $666.05
$200,000.00 - $299,999.00 $935.06
$300,000.00 - $399,999.00 $1,163.48
$400,000.00 - $499,999.00 $1,440.87
$500,000.00 - $599,999.00 $1,655.25
$600,000.00 - $699,999.00 $1,976.59
Does My ZIP Code Affect Home Insurance Premiums in Winston-Salem?
Insurance carriers look at more than your home state when pricing your premium- they can get as specific as your ZIP Code. For example, in North Carolina, when you are closer to the coast, you may experience higher annual premiums because of your risks of perils like flooding and hurricanes. In Winston-Salem, the ZIP code 27105 is the area with the lowest premium of $818 for TGS customers. The ZIP code with the highest premium is 27104, costing TGS customers an average of $1,061 a year.
Compare Winston-Salem Home Insurance Premiums By Carrier
The price is often the most influential factor when considering a home insurance policy. Because each carrier sets its rates, sometimes the same type of coverage can vary in price among different carriers. Two of our most popular carriers in Winston-Salem are Travelers and Homeowners of America. Home insurance quotes from TGS Insurance for Travelers average $833 annually. Home insurance quotes for Homeowners of America run slightly higher, averaging $1,102 per year.
When picking the right home insurance carrier, many factors are involved. You want to make sure the carrier you choose is right for you! Here are some questions to ask yourself when picking a home insurance carrier.
- What is their price for the coverage I want?
- What are the company’s history and reputation?
- Have you heard anything about the company?
- Do they offer the coverage I am looking for?
- Are there discounts available?
- Is it easy and convenient to work with them?
At TGS Insurance Agency, we work with over 55+ ‘A-rated’ home insurance carriers to help you make the right decision for your home. Use these questions and call one of our agents to find the right fit for you.
Winston-Salem Zip Codes TGS Insurance Agency Insures
27103 27105 27107 27110
27104 27106 27109 27127
Don’t worry if you don’t see your zip code above! We can find incredible rates for homeowners throughout North Carolina. Enter your address above for a free instant home insurance quote.