Winston-salem has 252,037 residents in 103,058 households. We list 40 insurance agencies in Winston-salem. Here is what the local numbers say about the cover people here need.

Winston-salem at a glance

40insurance agencies listed
44.4%of households rentRenters insurance
$233,800median home valueHome insurance
1981median year homes were builtRebuild cost calculator
8.2%of households have no carAuto insurance

Population and housing figures: U.S. Census Bureau, American Community Survey 2020-2024 5-year estimates. Agency count: our listings.

Natural hazard risk in Forsyth County

FEMA rates the overall natural hazard risk in Forsyth County, where most Winston-salem agencies we list are located, as Relatively Moderate compared with other U.S. counties. The hazards it rates highest:

Ice stormVery High
Inland floodingRelatively High
Most home and renters policies do not cover flood damage. Flood cover is a separate policy, from the National Flood Insurance Program or a private insurer, and an NFIP policy usually starts 30 days after you buy it.
Flood insurance
Winter weatherRelatively High
TornadoRelatively High
Tornado damage is wind damage. Ask whether a policy includes windstorm cover and what its wind deductible is.
Home insurance in Winston-salem
LightningRelatively High
Fire and lightning are standard covered causes of loss on home policies.
Home insurance in Winston-salem

Source: FEMA National Risk Index, December 2025 release. Ratings compare each county with all other U.S. counties.

Car insurance rules in North Carolina

North Carolina requires drivers to carry at least $50,000 of bodily injury liability per person, $100,000 per accident and $50,000 of property damage liability, often written 50/100/50. It also requires underinsured motorist coverage.

These are legal minimums, not a recommendation: a serious crash can cost far more, and anything above your limits is yours to pay.

Auto insurance in Winston-salem How much liability cover do you need?

Source: ncdoi.gov, limits in force since 2025-07-01. Checked 2026-10-24.

Insurance companies Winston-salem agencies work with

Of the 14 Winston-salem agencies whose appointments we hold, how many are appointed with each company. An appointed agency can quote and sell that company’s policies.

Aetna4 agencies
Humana4 agencies
Ameritas Life Insurance3 agencies
Devoted Health Plan of Texas,3 agencies
Medicare Advantage3 agencies
Nationwide3 agencies
UnitedHealthcare3 agencies
Centene2 agencies
Chubb2 agencies
Chubb (ACE)2 agencies

Source: insurance company appointments in state records, as listed on each agency’s profile.

What Winston-salem agencies can write

Share of the 40 agencies listed in Winston-salem that are appointed with at least one insurance company writing each type, or that name it on their own website.

Source: our listings. Appointment with a company that writes a type does not guarantee an agency sells it today.

Where Winston-salem agencies are

Winston-salem agencies we list sit in 9 ZIP codes, mostly in Forsyth County.

2710318 agencies
271017 agencies
271044 agencies
271064 agencies
271052 agencies
271142 agencies
271021 agency
271071 agency
271161 agency

Questions

Insurance agencies in Winston-salem

How do I find an insurance agency in Winston-salem?

Browse the agencies on this page, search by name, or pick the insurance you need in the filters to see only the agencies that offer it.

What insurance can I get from agencies in Winston-salem?

Most often life, health, accident & health, auto, home. Pick a type in the filters to narrow the list.

Which insurance companies do Winston-salem agencies work with?

Among the 14 Winston-salem agencies whose appointments we hold, the companies they are most often appointed with are Aetna (4), Humana (4), Ameritas Life Insurance (3), Devoted Health Plan of Texas, (3), Medicare Advantage (3). An appointed agency can quote that company's policies.

Do I need flood insurance in Winston-salem?

FEMA's National Risk Index rates inland flooding risk in Forsyth County as Relatively High compared with other U.S. counties. Most home and renters policies do not cover flood damage. Flood cover is a separate policy, from the National Flood Insurance Program or a private insurer, and an NFIP policy usually starts 30 days after you buy it.

Do I need renters insurance in Winston-salem?

44.4% of households in Winston-salem rent, according to the Census Bureau's American Community Survey. A landlord's policy covers the building, not your belongings or your liability; renters insurance covers those.

How do I choose an agency?

Call two or three. Ask which companies they can quote for you, how they handle claims, and who you will deal with after you buy. An independent agency can compare several insurers in one call.

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