Belmont Insurance Group
3540 Clemmons Road, Suite 232, Clemmons, NC 27012
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3540 Clemmons Road, Suite 232, Clemmons, NC 27012
View this agency's profile to learn more about their services.
713 Pilgrim Ford Court, Clemmons, NC 27012
View this agency's profile to learn more about their services.
Learn about insurance coverage options specific to Clemmons residents.
Clemmons home insurance averages $836-$1,145/year. Learn about 2025 rate increases, coverage for Piedmont risks, and how to save on your policy.
Car InsuranceClemmons auto insurance guide: NC's new 50/100/50 minimums, at-fault rules, I-40 risks, and how to save. Get the coverage you need at the right price.
General Insurance EducationComplete insurance guide for Clemmons, NC residents. Learn about new 2025 auto requirements, home insurance costs, flood coverage, and how to save money.
Homeowners in Clemmons pay an average of $836 to $1,145 annually, or about $70 to $95 per month. Rates vary significantly by carrier—SageSure averages $836 while other insurers charge over $1,100 for similar coverage. Your specific rate depends on your home's value, age, construction type, and your credit score.
Yes, Forsyth County homeowners face approved rate increases of 8.2% in both 2025 and 2026. This means if you're currently paying $1,000 annually, your premium will rise to $1,082 this year and $1,171 next year. These increases are driven by inflation in construction costs and an increase in severe weather events across North Carolina.
No, standard homeowners insurance does not cover flood damage anywhere in North Carolina, including Clemmons. You need a separate flood insurance policy through the National Flood Insurance Program or a private insurer. Even though Clemmons isn't coastal, heavy rainfall can cause localized flooding, especially near creeks or low-lying areas.
The Piedmont region, including Clemmons, faces hailstorms that can damage roofs and siding, plus occasional ice storms and heavy snowfall that can knock down trees and power lines. While these risks are lower than coastal hurricane exposure, you should verify your wind and hail deductible, which may be a separate percentage of your dwelling coverage rather than your standard flat deductible.
Shop around—rates vary by hundreds of dollars between carriers in Clemmons. Bundle your home and auto insurance to save 15% to 25%, raise your deductible from $1,000 to $2,500 to save 10% to 15%, and install security systems or upgrade older systems like roofing, electrical, or plumbing to qualify for additional discounts.
Living near Tanglewood Park doesn't require special coverage, but if your property backs up to wooded areas, you might have slightly higher liability exposure from tree damage during storms. Insurance companies don't give discounts for proximity to parks, but they do care about fire hydrant access, home construction materials, and security systems—factors you can control.
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