Updated: November 10, 2025
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In Winston-Salem, North Carolina, Auto-Owners tops the list for overall best and cheapest home insurance. Erie is a better choice if you value customer service.
These companies offer various benefits, but choosing affordable home insurance depends on your needs, including cost, coverage and customer service.
Best HomeInsuranceWinston-SalemTable of Contents
Why Trust MoneyGeek? We used data from North Carolina's Department of Insurance and Quadrant Information Services to find the best homeowners insurance in Winston-Salem, making sure our tips are reliable.
Home insurance premiums in Winston-Salem represent the most competitive rates as of September 2024.
MoneyGeek found that Auto-Owners is the best option for home insurance in Winston-Salem, N.C., with a MoneyGeek score of 93 out of 100 for $100K dwelling coverage.
The scores for home insurance companies in Winston-Salem range from 44 to 93. These scores are based on MoneyGeek's system, which looks at factors like credit history and the age of your home. Each insurer may score differently based on these elements.
| Auto-Owners Insurance | 93 | $983 |
| Erie | 68 | $1,539 |
| Heritage Insurance | 67 | $1,047 |
| Farmers | 44 | $1,736 |
MoneyGeek found that Auto-Owners is the best option for $100K dwelling coverage in Winston-Salem, N.C. The two best overall home insurance companies in the city for the same dwelling coverage are:
Auto-Owners is the best home insurance provider because it offers affordable rates and strong customer satisfaction.
Companies in Winston-Salem offer different prices and service experiences. While cost is important, consider other elements like customer service and claims processing when filing claims.
Auto-Owners scores high in affordability and satisfaction. It provides valuable coverages for homeowners. Guaranteed replacement cost ensures your home is fully covered if your limit is too low. Personal property replacement cost protects against damage from appliance leaks. Equipment breakdown covers failures of home systems like air conditioners and computers.
Discounts such as responsible payment and paperless help you save. Paying premiums on time for 36 months qualifies you for the responsible payment discount.
MoneyGeek found that Erie is the best option for customer service in home insurance in Winston-Salem, N.C. The top providers for $100K dwelling coverage are.
Erie stands out for its high customer satisfaction rating. Opting for Erie means selecting a provider that values happy customers. Excellent service in home insurance means quick support when you need it and fair treatment.
Erie is the best for service quality, with high customer satisfaction and coverage scores. It offers comprehensive home insurance with coverages. Guaranteed replacement cost ensures your home is fully rebuilt if damaged. Scheduled personal property covers valuable items like jewelry. Cyber event/ID theft protection helps if your identity is stolen.Â
You can save with discounts like bundling and protective devices. The bundling discount gives you 16%-25% off when you insure your home and car.
MoneyGeek found that Auto-Owners is the best cheap home insurance option in Winston-Salem, N.C. The top two best and cheapest homeowner insurance companies for $100K dwelling coverage are:
Auto-Owners Insurance stands out mainly for its high affordability and customer satisfaction scores. Choosing cheap insurance usually means picking lower coverage, which can save money but may leave you underinsured if something goes wrong.Â
When saving on premiums is important, looking at the cheapest companies or learning the average cost of homeowners insurance in North Carolina can help. The best cheap insurance balances quality and cost, unlike the cheapest option, which focuses mainly on price.
Auto-Owners scores high in affordability and satisfaction. It offers comprehensive coverage options. Guaranteed replacement cost ensures your home is fully covered even if your limit is too low. Equipment breakdown covers failures of home appliances. Scheduled personal property offers broader protection for personal items.
You can save with discounts like responsible payment and paperless billing. Paying on time for 36 months can qualify you for the responsible payment discount.
MoneyGeek’s home insurance calculator will give you a ballpark estimate of your cost — It's free to use, requires no personal information and we won't send you any spam.
Rates updated:
Dec 23, 2025
Many factors affect homeowners insurance in Winston-Salem, and location is one of them. Comparing rates can help you save, but it takes time — 15 minutes per company. Comparing three or more companies might take over an hour. Use MoneyGeek's home insurance calculator for instant savings by focusing on essential factors. Enter details like age, dwelling coverage, credit score and more to get a rate estimate.
MoneyGeek found that Auto-Owners is the best option in Winston-Salem, N.C. The key element affecting home insurance costs is the dwelling coverage you select.
Auto-Owners Insurance is the most affordable for $100K and $250K dwelling coverages, ensuring reliability in Winston-Salem. Choosing the cheapest homeowners insurance in North Carolina can make managing finances easier while safeguarding your property.
| Auto-Owners Insurance | 983 |
| Heritage Insurance | 1,047 |
| Erie | 1,539 |
| Farmers | 1,736 |
Heritage Insurance is the best option for affordable home insurance in Winston-Salem, N.C., for high-value homes. Homes that are expensive to replace need high dwelling coverage, which impacts home insurance costs.
Heritage Insurance offers the lowest prices in Winston-Salem for high-value homes. Heritage Insurance is also highly rated for overall performance.
| Heritage Insurance | $4,990 |
| Auto-Owners Insurance | $5,039 |
| Erie | $8,132 |
| Farmers | $9,767 |
Auto-Owners is the cheapest option in Winston-Salem, N.C., for new home insurance.
Auto-Owners offers the lowest rates for new homes, but your best option depends on your specific needs. Make sure you're adequately covered.
| Auto-Owners Insurance | $290 |
| Heritage Insurance | $391 |
| Farmers | $949 |
| Erie | $968 |
The best cheap homeowners insurance in Winston-Salem depends on your needs. Consider factors like coverage limits and deductibles, not just premiums.
Determine how much home insurance coverage you need by considering rebuilding costs and personal property value in Winston-Salem.
Research insurance companies in Winston-Salem. Focus on those with good financial health, customer satisfaction and service quality.
Compare home insurance quotes. In Winston-Salem, $100K dwelling coverage premiums range from $983 to $1,736 annually.
Ask each provider about discounts, such as bundling policies or installing safety systems.
Choose a higher home insurance deductible to reduce your premium, but make sure you can afford it.
Install security systems and sturdy locks to lower your insurance costs.
Keep a good credit score. Pay bills promptly and minimize debt.
Bundle your homeowner insurance with other policies, like auto insurance, for potential savings.
The best cheap home insurance provider in Winston-Salem ultimately depends on the coverage you need and how much you can spend. Get answers to some of the most commonly asked questions about the best cheap insurance rates in Winston-Salem, N.C.
The average cost of home insurance in Winston-Salem is $979 annually.
The cheapest home insurance company in Winston-Salem is Auto-Owners Insurance, with an annual premium of $983.
The best home insurance in North Carolina for Winston-Salem residents is from Auto-Owners Insurance, with a MoneyGeek score of 93 out of 100.
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
He writes about economics and insurance, breaking down complex topics so people know what they're buying.
