Searching for Homeowners Insurance in 27103

If you are a homeowners that lives in 27103 you may be searching for more affordable homeowners insurance in Winston Salem. Insurance rates can change on a yearly basis so if your current insurer has raised your rates recently it may be time to shop your coverage and we can help.

GetHomeInsuranceQuotes.com makes shopping your insurance policy quick and easy for residents of Winston Salem, NC. All you have to do is enter a bit of information about your home and we will gather 12 quotes from nationwide insurers, making sure that you get the best coverage levels and rates available.

Our North Carolina licensed agents will provide a free consultation to make sure you are fully protected as well as answer any questions you may have about policy options. Insurance can be complicated so it pays to have a professional walk you through your various policy choices. As always, our service is free.

Getting started is easy. Click the "Get Multiple Quotes Now" button, verify your zip code and start saving.

Get 27103 Home Insurance Rate Quotes Right Now!

You can easily compare rates for your home in ZIP starting an online quoting application to "get quotes". Or search additional Winston Salem, NC home insurance quotes in your local city and review the most competitive coverages and premiums.

Check Out 27103 Home Insurance Costs: high!

In Winston Salem, homeowners are paying roughly $1245 per year for a HO-3 policy which is considered the standard for a single family home. In order to find the best policy at the best price, we compare rates from some of the most competitive insurers and present you with your best options for homeowners insurance coverage in 27103 zip code.

Our service is free and we never spam our clients so you only receive the information that you request. While all situations are different, in most cases, homeowners in Winston Salem are saving up to 40 percent on their policy costs by using GetHomeInsuranceQuotes.com.

Start shopping for a 27103 policy right now!

Average Building Cost Per Square Foot in 27103: $135

Average Square Footage in 27103: 1,277 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 27103 before you start any project. Winston Salem homeowners pay on average around $135 per square foot to build a home. Another great reason to know the average cost to build is for your homeowners insurance policy. A standard homeowners policy will help you cover the replacement cost of your home due a fire or any other named perils on your policy. Calculating your dwelling coverage for your home in 27103 is extremely helpful when estimating how much replacement cost coverage you need. We highly recommend that you have enough dwelling coverage to rebuild your home if it was destroyed by a covered peril.

Here is how you determine your replacement cost. If we take an average home in 27103 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 1,277 sq. ft. and the average cost to rebuild the home in this area is around $135 per square foot would be considered a base estimate cost. These two numbers would allow us to generate the replacement cost needed for an average size home in the Winston Salem area. If the home is new or has been upgraded, you will want to add $50 to $100 or more per square foot to equally cover the replacement cost to restore a home back to it's original condition.

It's important to understand that when you estimate your replacement cost of your home in the 27103 zip code area, it will be the cost to replace the structure of your home, not the additional value of the property that is factored in when purchasing a new home.

Daniels Joseph R Insurance

Glasgow Insurance

Allstate Insurance Companies - Sales Offices- Winston Salem

Allstate Insurance

Allan Coats Agency

Nationwide Insurance

Allstate Insurance Companies

Johnny A Morgan - Nationwide Insurance

First Charter Ins Svcs

Spray, Gregory L - Universal Insurance Company

Household Data for 27103

The average number of homes in 27103 is around 16,654, there are an average of 2.15 per household. The average house value according to local real estate values is around $172,400. Please review the following demographics below for average income and media age.

• What causes North Carolina home insurance to go up? Posted on Monday 7th July, 2025

  A homeowner in North Carolina was greeted with a nasty surprise this year, a 41% increase in his insurance premium.  On average, homeowners in North Carolina saw a rate jump of 7.5% on June 1st due to a settlement reached by the North Carolina Department of Insurance but this certainly doesn’t explain a 41% increase.  Doug Corkhill is […]

• 2025 List of States Where Finding Home Insurance Is Most Difficult and Why Posted on Tuesday 11th March, 2025

  Homeowners insurance is a necessity if you own a home, particularly if you are currently carrying a mortgage. Mortgage lenders require homeowners insurance to protect their investment in your home by always carrying homeowners insurance.  If your insurance is cancelled or you are non-renewed it can be a huge problem. As wildfires and major windstorms […]

• North Carolina Homeowners’ Insurance Premiums May See a 15% Increase Posted on Thursday 23rd January, 2025

  The base rate for North Carolina homeowners insurance will be headed up by an average of 15% by the middle of 2026. The rate increases are part of a settlement that was reached with the insurance industry by the North Carolina Insurance Department. The state Insurance Commissioner Mike Causey recently announced the rate increase agreement […]

• North Carolina Joint Underwriters and Wind Pool Map Explained Posted on Wednesday 5th June, 2024

  North Carolina is a lovely state to call home. Our state is packed with beautiful cities, museums, restaurants and of course, some of the loveliest beaches in the country. Unfortunately, if you live in one of our amazing coastal southern cities such as Ocean Isle Beach, Sunset Beach, Oak Island Beach, Calabash, Bald Head Island, […]

• North Carolina Coastal Home Insurance Rates Posted on Friday 29th March, 2024

  North Carolina is a fantastic place to live with plenty of cultural activities, beautiful beaches, world-class cities as well as great restaurants and shopping. The only disadvantage to living in North Carolina, particularly if your home is located in coastal area is the cost of homeowners insurance. The average premium for a standard homeowners insurance […]

• NC Residents Speak Against 42% Rate Increase Requested by Rate Bureau Posted on Tuesday 13th February, 2024

  During a recent public comment session held by the North Carolina Department of Insurance, dozens of North Carolina residents spoke out against an average rate increase of 42% that the North Carolina Rate Bureau is requesting.  The Rate Bureau represents insurance companies in the state and earlier this year requested average rate increases of 42%. […]