Personal Insurance
Protect your home, vehicles, and personal assets with comprehensive coverage designed for North Carolina families.
Core Personal Coverage
ARL Insurance Agency LLC, based in Pfafftown, NC, works with multiple top-rated carriers to find the right personal insurance for your household — at a price that makes sense.
Homeowners Insurance
Protect your home and belongings from damage, theft, and liability.
Coverage includes:
- Dwelling coverage
- Personal property protection
- Liability coverage
- Additional living expenses
- Natural disaster options
Auto Insurance
Comprehensive vehicle coverage to keep you protected on the road.
Coverage includes:
- Liability coverage
- Collision coverage
- Comprehensive coverage
- Uninsured motorist protection
- Roadside assistance
Auto Insurance in North Carolina
North Carolina law requires every driver to carry minimum liability coverage of 30/60/25 — $30,000 per person for bodily injury, $60,000 per accident, and $25,000 for property damage. The state also mandates uninsured motorist coverage at the same limits, which means NC drivers are better protected than in many other states.
However, state minimums are rarely enough. A single serious accident in the Winston-Salem area can easily exceed those limits, leaving you personally liable for the difference. At ARL Insurance Agency, licensed agent Anthanette Peterson helps clients choose coverage levels that protect their actual assets — not just satisfy the legal minimum.
As an independent agency, we shop multiple carriers to find the most competitive auto insurance rates for Winston-Salem, Pfafftown, and communities across all of North Carolina. We compare coverage side-by-side so you understand exactly what you're getting.
Homeowners Insurance in the Winston-Salem Area
Your home is likely your largest investment. A standard homeowners policy covers the structure of your home, attached structures like garages, your personal belongings, and personal liability — if someone is injured on your property or you accidentally damage someone else's property.
North Carolina homeowners face specific risks including severe thunderstorms, ice storms, and occasional tornado activity. Standard policies cover wind and hail damage, but flood damage is not covered under a standard homeowners policy — a separate flood insurance policy is required, and one that many NC homeowners overlook until it's too late.
ARL Insurance Agency reviews your home's replacement cost value (not market value) to ensure you're insured for the right amount. Many homeowners are underinsured because construction costs have risen dramatically — we help close that gap so a total loss doesn't leave you short.
More Personal Coverage Options
Beyond home and auto, ARL Insurance Agency offers a full range of personal lines coverage to protect every aspect of your financial life.
Life Insurance
Provide financial security for your family with term life, whole life, or universal life insurance. ARL Insurance Agency works with top-rated carriers to find coverage that fits your budget and long-term goals.
Critical Illness Insurance
A critical illness diagnosis — cancer, heart attack, stroke — can derail your finances even with health insurance. Critical illness coverage pays a lump-sum benefit directly to you to cover expenses your health plan doesn't, including lost income, mortgage payments, and out-of-pocket medical costs.
Hospital Indemnity Insurance
Hospital stays are expensive. Hospital indemnity plans pay you a fixed cash benefit for each day you're hospitalized, regardless of what your health insurance covers. This extra cushion helps North Carolina families handle the financial stress of an unexpected hospital admission.
Umbrella Insurance
When a major lawsuit or accident exceeds your auto or home liability limits, an umbrella policy picks up where those policies leave off — typically providing $1 million or more in additional coverage. For families in the Winston-Salem area with assets to protect, an umbrella policy is one of the best values in insurance.
Why Work With an Independent Insurance Agent in Winston-Salem?
Captive agents — those who work for a single company like State Farm or Allstate — can only offer you one carrier's products. As an independent agency, ARL Insurance Agency LLC works with 10+ top-rated insurance carriers, which means we shop the market for you and present the best combination of coverage and price.
Licensed agent Anthanette Peterson (NC DOI License #19189526) brings personal, one-on-one service that national call centers simply can't match. When you have a question, you call us directly. When you need to file a claim, we guide you through the process. That's the local difference.
Anthanette Peterson — Licensed Insurance Agent
NC DOI License #19189526 · ARL Insurance Agency LLC · Pfafftown, NC
How much auto insurance do I need in NC?
State law requires 30/60/25 minimum liability plus uninsured motorist coverage. We recommend higher limits — typically 100/300/100 — for most households with assets to protect.
Does my homeowners insurance cover flooding?
No. Standard homeowners policies exclude flood damage. If your property is in a flood-prone area or near a waterway, a separate NFIP or private flood policy is essential.
Do I need renters insurance if my landlord has insurance?
Yes. Your landlord's policy covers the building, not your belongings. Renters insurance covers your personal property, liability, and temporary living expenses if your rental becomes uninhabitable.
What does an umbrella policy actually cover?
An umbrella policy provides an extra layer of liability coverage — typically $1M–$5M — above your auto and home liability limits. It covers lawsuits, judgments, and legal fees that exceed those base limits.
Ready for a Detailed Quote?
Our comprehensive quote form lets you upload documents, add vehicle details, and provide claims history for the most accurate quote possible. Your information remains confidential and will never be sold or shared.
Get Detailed Home & Auto QuoteUpload driver licenses, dec pages, and more for faster, more accurate quotes
Quick Quote Request
Want a quick callback instead? Fill out this simple form and Anthanette or a member of our licensed team will contact you within 24 hours. We promise not to bombard you with calls — just helpful, personalized service from our local NC team.
Prefer to talk?
336-923-8129Quick Quote Request
We respect your privacy. Your information will never be shared.
Renting? We've Got You Covered
Renters insurance is one of the most affordable and overlooked types of coverage. For as little as $15–$30 per month, you can protect all of your personal belongings, get liability protection if a guest is injured, and cover additional living expenses if your rental becomes uninhabitable due to a covered event. Get an instant quote online.