Protect Your Home,
Protect Your Future
Comprehensive home insurance coverage that safeguards your most valuable investment
Comprehensive Coverage Options
Our home insurance policies provide complete protection for your property
Dwelling Coverage
Protects the physical structure of your home from covered perils like fire, wind, and hail damage.
Personal Property
Covers your belongings including furniture, electronics, clothing, and other personal items.
Liability Protection
Protects you if someone is injured on your property or you accidentally damage someone else's property.
Medical Payments
Covers medical expenses for guests injured on your property, regardless of fault.
Additional Living Expenses
Pays for temporary housing and living costs if your home becomes uninhabitable due to covered damage.
Other Structures
Covers detached structures on your property like garages, sheds, fences, and gazebos.
Why Choose TrueGuard for Home Insurance?
Experience the TrueGuard difference with superior coverage and exceptional service
Competitive Rates
Get comprehensive coverage at prices that fit your budget with our flexible payment options.
24/7 Claims Support
Our dedicated claims team is available around the clock to help you when you need it most.
Customizable Coverage
Tailor your policy with optional coverages like flood, earthquake, and valuable items protection.
Bundle & Save
Combine your home and auto insurance for significant discounts and simplified management.
HO-3 vs. HO-5: Choosing the Right Policy Tier
Not all home insurance policies are created equal. We'll help you choose the right level of protection.
HO-3 Policy (Standard)
The most common type of homeowners insurance.
Provides "open perils" coverage for your home's structure (covered against everything except specific exclusions), but only "named perils" coverage for your personal belongings.
- More affordable premiums
- Good baseline protection
- XBurden of proof is on YOU to prove a named peril destroyed your belongings
HO-5 Policy (Premium)
Highly recommended for maximum protection.
Provides "open perils" coverage for BOTH your home's structure AND your personal belongings. If an event isn't explicitly excluded in the policy, it's covered.
- Broader protection for personal property
- Often includes higher limits for jewelry and electronics
- Burden of proof is on the INSURANCE COMPANY to prove an exclusion applies
Real-World Claim Scenarios
See how comprehensive home insurance protects you from unexpected disasters.
Extensive smoke and fire damage
A grease fire destroys your kitchen cabinets, appliances, and causes smoke damage throughout the entire first floor. You can't live there during repairs.
A guest is injured on your property
A delivery driver is startled by your dog, falls down your front steps, and breaks their leg, resulting in surgery and lost wages.
Sudden water damage ruins floors
While you are at work, a pipe bursts behind the washing machine, flooding your hardwood floors and ruining the drywall in the adjacent room.
Frequently Asked Questions
Get answers to common questions about home insurance
Ready to Protect Your Home?
Get a personalized quote in minutes and discover how affordable comprehensive home insurance can be.
LOCAL COVERAGE
We Serve the Piedmont Triad
We serve Winston-Salem, Greensboro, and High Point with locally-informed home insurance built for the real risks in your neighborhood.
Popular Coverages
Explore our most requested insurance solutions to complete your protection.
Auto Insurance
Comprehensive coverage for your vehicle.
Home Insurance
Protect your home and belongings.
Commercial Insurance
Complete protection for your business.
General Liability
Essential third-party business protection.
Business Owners Policy
Bundled liability and property coverage.
Workers Comp
Coverage for workplace injuries.
Umbrella Insurance
Extra liability protection beyond limits.
Life Insurance
Financial security for your family's future.
Why TrueGuard Insurance
The Independent Advantage
As an independent insurance agency based in Winston-Salem, NC, TrueGuard Insurance serves individuals, families, and businesses with personalized coverage and honest guidance — across multiple states and growing.
Independent Agency
We represent multiple A-rated carriers and shop the market on your behalf — so you get the best coverage at the most competitive rate, not just what one company offers.
15+ Years of Experience
Matt Nelson brings over 15 years of hands-on experience in commercial trucking, construction equipment, finance, and insurance — giving you guidance backed by real industry knowledge.
Local North Carolina Expertise
Based in Winston-Salem and serving clients throughout the Piedmont Triad and across North Carolina, we understand the unique risks and regulations that affect our region.
Personalized Solutions
No two clients are the same. We take the time to understand your specific situation and build a coverage program tailored to your needs — not a one-size-fits-all policy.
Claims Guidance & Support
When a claim happens, we're in your corner. We guide you through the process step by step so you're never left navigating a difficult situation alone.
Responsive Service
We prioritize fast turnaround on quotes, certificates of insurance, and policy changes. You shouldn't have to chase your agent — we stay ahead of your needs.
Specialized Programs
We offer access to specialized insurance programs for trucking, construction equipment, dealer programs, and more — markets that most standard agencies simply cannot access.
Ongoing Policy Reviews
Insurance needs change. We proactively review your policies to identify coverage gaps, eliminate unnecessary costs, and ensure your program keeps pace with your life and business.
Simple Process
What to Expect
Getting the right insurance shouldn't be complicated. Here's how we make it simple.
Submit Your Request
Fill out our quick online form or call us directly. It takes less than 3 minutes.
We Review Your Risk
A licensed agent personally reviews your situation and identifies the right carriers to approach.
Receive Your Options
We present competitive quotes from multiple A-rated carriers with clear, honest recommendations.
Get Covered
Choose your program, sign your documents, and receive your policy — often same day.
No obligation. No pressure. Just honest guidance from a licensed professional.
