Save On Home Insurance in Winston Salem, NC | TGS Insurance Agency

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Winston-Salem, NC

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Homeowners Insurance  »  North Carolina  »  

Winston Salem

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 LimitsAverage 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


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.


TGS Insurance is Winston-Salem's Premier Home Insurance Provider

Winston-Salem neighborhood

Winston-Salem, referred to as Winston by locals, prides itself on southern tradition, and you can feel the hospitality and friendliness right away. Winston has an array of festivals, and delicious restaurants to suit anyone's taste. The town has grown slowly but steadily, which protects its small-town feel. Some top attractions are enjoying the Piedmont Quarry and hiking to the Hanging Rock.

Winston-Salem neighborhood

When choosing an insurance agency for your Winston-Salem home insurance needs, you want a company you can trust. TGS Insurance Agency is an independent insurance agency committed to being that for you. We do not work for an insurance company; we work for you!

Key Home Statistics in Winston-Salem


Total Population in Winston-Salem, NC


Average Home Value in Winston-Salem, NC


Median Household Income in Winston-Salem, NC


Median Age in Winston-Salem, NC

Major Neighborhoods in Winston-Salem, NC

Image of Ardmore Neighborhood


Ardmore is a more historic area of Winston-Salem. It features Queen Anne style craftsmanship and nature trails. Residents love the restaurants and pubs.

Image of West Salem Neighborhood

West Salem

West Salem is home to people of all ages. This community is popular because it is close to the North Carolina School of Arts and its beautiful landscape.

Image of Buena Vista Neighborhood

Buena Vista

Northwest of downtown Winston-Salem, Buena Vista has a mix of big-city life and suburban treats. With shopping and dining easily accessible, Buena Vista is a great place to be.

Image of Downtown Neighborhood


Downtown Winston-Salem is popular for its businesses, arts district, and entertainment and greenery. Being a very walkable city, Winston-Salem's downtown is easy to enjoy.

Image of Sherwood Forest Neighborhood

Sherwood Forest

Sherwood Forest lives up to its name with the immense amount of greenery and woods around. It is a typical neighborhood with easy access to shopping, groceries and restaurants.

Image of Old Town  Neighborhood

Old Town

Old Town is a picturesque area of Winston-Salem that features the Old Salem Museum and Gardens and the Old Town Country Club.

Local Home Resources in Winston-Salem, NC

Fire Departments
Arcadia Fire Department1374 Leonard St
Winston-Salem, NC 27127
(336) 764-1291
City View Volunteer Fire Department Inc4664 Old Belews Creek Rd
Winston-Salem, NC 27101
(336) 723-5711
City-County Government - Fire Dept- City of Winston-Salem725 N Cherry St
Winston-Salem, NC 27101
(336) 773-7997
City-County Government - Fire Dept- Forsyth County- Clemmons Fire Depart1450 Fairchild Rd
Winston-Salem, NC 27105
(336) 766-4114
Clemmons Fire Dept1030 N Peace Haven Rd
Winston-Salem, NC 27104
(336) 766-1000
Fire Department-County of Forsyth3000 Aviation Dr
Winston-Salem, NC 27105
(336) 993-5721
Forest Hill Fire Department Inc4619 N Cherry St
Winston-Salem, NC 27105
(336) 661-1441
Gumtree Fire Department Inc2466 Gumtree Rd
Winston-Salem, NC 27107
(336) 788-3544
Mineral Springs Fire Department Inc1338 Old Hollow Rd
Winston-Salem, NC 27105
(336) 767-0411
Mount Taber Fire Department5191 Robinhood Rd
Winston-Salem, NC 27106
(336) 922-1192
Piedmont Fire Pump Service104 Griffith Plaza Dr #7
Winston-Salem, NC 27103
(336) 251-1000
Wallburg Fire Dept121 Georgetown Rd
Winston-Salem, NC 27107
(336) 769-9539