How Much Does Umbrella Insurance Cost in Winston-Salem, NC?
Winston-Salem pricing is 15% below the national average. Updated for 2026.
Based on local labor rates, varied climate conditions, and Winston-Salem's diversified economy.See our methodology
Umbrella Insurance Pricing in Winston-Salem, NC
Winston-Salem is one of the more affordable markets for umbrella insurance, with costs running about 15% below the national average. The city's diversified economy and balanced labor market create favorable conditions for competitive pricing. Getting multiple quotes from the 245K-population metro area is straightforward.
Local climate plays a direct role in umbrella insurance costs here. Hot humid summers drive HVAC and pest control demand; hurricane risk in coastal areas.
Market-specific factors matter in Winston-Salem: growing market with competitive contractor rates.
Winston-Salem has moderate permitting requirements. Depending on the scope of your umbrella insurance project, you may need local permits. A licensed contractor will handle the permitting process as part of the job in most cases.
Winston-Salem vs National Average
What Affects Umbrella Insurance Cost in Winston-Salem?
Coverage
$1M policy: $15-$25/month. $2M: $20-$35/month. $5M: $30-$50/month
Risk
Pool, rental properties, teen drivers, and certain dog breeds increase premiums
Winston-Salem Market Conditions
growing market with competitive contractor rates
Local Climate Impact
hot humid summers drive HVAC and pest control demand; hurricane risk in coastal areas
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Top-Rated Umbrella Insurance Pros in Winston-Salem, NC
5 providersElite Plumbing
⭐ PREMIUMServing Winston-Salem and surrounding areas since 2009. Licensed, insured, and committed to quality workmanship at fair prices.
First Choice Contractors
⭐ PREMIUMServing Winston-Salem and surrounding areas since 2003. Licensed, insured, and committed to quality workmanship at fair prices.
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Tips to Save on Umbrella Insurance in Winston-Salem
- 1.Bundle with your home and auto for the best rate
- 2.$1M in coverage is very affordable — the most common starting point
- 3.Compare between your current insurer and others
- 4.Higher underlying limits on home/auto can lower umbrella costs
📈 Umbrella Insurance in Winston-Salem Cost Trends (2020–2024)
Prices have increased +23.5% over the last 5 years
| Year | National Avg | YoY Change |
|---|---|---|
| 2020 | $17 | — |
| 2021 | $18 | +5.9% |
| 2022 | $19 | +5.6% |
| 2023 | $20 | +5.3% |
| 2024 | $21 | +5.0% |
Based on national averages adjusted for annual inflation. Actual costs vary by location and project scope.
💬 What Did You Pay?
Real costs reported by homeowners for Umbrella Insurance in Winston-Salem
Recent Reports
Frequently Asked Questions
Who needs umbrella insurance?
Anyone with assets to protect. If your net worth exceeds your home and auto liability limits, umbrella insurance is a smart, affordable way to protect yourself from lawsuits.
Why does umbrella insurance cost different in Winston-Salem than other cities?
Winston-Salem's costs reflect local labor rates driven by the diversified economy, varied climate conditions that affect materials and scheduling, and moderate permitting requirements. The balanced labor market also influences competitive pricing.
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