What does home insurance cover?

Most standard insurance policies cover the costs of home repairs or rebuilds, temporary housing arrangements, personal property damage or theft, and liability. In other words, if your home or belongings are damaged, your insurance will pay to replace or repair them. Your policy will also cover the cost of a rental home if your existing home becomes temporarily uninhabitable and will cover any legal or medical expenses you may face as the result of a liability lawsuit.

What does home insurance NOT cover?

Most home insurance policies do not cover flood or earthquake damage, but you can buy separate policies to cover you in those circumstances. In addition, home insurance won’t pay for repairs if the company finds that the damage was caused by a lack of proper maintenance.

Is there a way to lower my home insurance rate?

Most home insurance companies offer a discount for homes that have a security system installed, as the system lowers the risk of the property being robbed or vandalized. If you are looking for additional ways to lower your rate, just give us a call to consult our experts.

Home Insurance, Monroe, NC | Curtis Helms Insurance

Protect one of your biggest investments – your home – with the right policy.

Do you own a home or vacation home? Are you in the process of purchasing a home? Whether you own a single-family home, townhome, row home, or even a condo, you need home insurance to protect your investment. If you have a mortgage on the property, your lender will also probably require you to have a policy for your home.

Home Insurance in Monroe, North Carolina

Most standard home insurance policies cover a few basic things, including:

Repair/rebuild—Your home insurance policy can mitigate the expenses you face when you need to either repair or rebuild your home. For example, if it snows and your roof caves in, your policy would cover the expense associated with repairing your roof and any other damaged components.
Temporary living expenses—If you’re unable to stay in your home during repairs, your policy may cover the cost of a hotel.
Injuries and lawsuits—If you or one of the members of your family is responsible for someone else’s injuries or damages while on your property, your home insurance policy can pay for any expenses that arise.
Personal possessions—If your clothes, furniture, electronics, etc. get stolen or damaged in a flood, fire, or other disastrous event, your home insurance policy can pay to replace them.

High standards & utmost integrity!

“This family business has covered all my insurance needs for many years. They have not only met but exceeded all my expectations. Friendly service with high standards & utmost integrity!”

★★★★★ 22^th August 2018 Charles G.

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Services We Offer

Home Insurance

Whether you own a single-family home, townhome, row home, or even a condo, you need home insurance to protect your investment.

Life Insurance

Protect your future and your loved ones by securing a life insurance policy specific to your situation.

Commercial Insurance

Mitigate risk and reduce liability by turning to us to update your business’ commercial insurance portfolio.

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Our family-run company wants to help insure your family.

Home insurance is a critical aspect of home ownership, so if you want to update your coverage, renew a policy, or find a different one, our team at Curtis Helms Insurance is here for you. Contact us today to find out more about our insurance solutions in Monroe, North Carolina!

At Curtis Helms Insurance, we offer home insurance to those in Charlotte, Monroe, Kannapolis, Mooresville, Hickory, Harrisburg, Raleigh, Greensboro, Gastonia, Winston-Salem, and Wilmington, North Carolina.

Why Choose Curtis Helms Insurance?

As an independent agency, we can provide different quotes offered by the most reasonable insurance companies. We can get rates that meet your personal or business needs, so feel free to contact us today to discuss your options and receive your free, instant quote.

See what some of our satisfied clients are saying about our insurance company.

Excellent

4.9

Savion Aikens

always courteous service

Response from the owner: We love hearing this, Savion! Thank you for sharing about the kind and courteous service you always receive from our team, and please reach back out whenever you have insurance questions that we may assist you with.

Irina Masters

Very caring , understanding and helpful professionals. My personal gratitude to you all . Thank you very much !!!

Response from the owner: Thank you, Irina! We are grateful for you, too!

Yvette Hines

Curtis Helms agency has always made everyone feel like family. They know you by name and your children and grand children very personable. I love it. 🤗❣️❣️❣️ Greg did a excellent job helping me thanks Greg.

Response from the owner: Thanks for the 5-star review, Yvette! We love building relationships with our valued customers!

Jeffrey Craig

They are the best agency in Charlotte hands down

Response from the owner: We really appreciate your kind words and support. Thank you for choosing us!

Mary Alice Katon

Very friendly staff with personal service. Thanks!

Response from the owner: We're glad you are happy with our level of service! Thanks for the great review.

Ashley Velazquez

Very professional got me the lowest rate.

Response from the owner: Thank you for the great feedback! We’re glad we could help you find the best rate possible.

Tony Martin

Professional. Can actually talk with a agent in person or on the phone.. Old School.. You don't have to talk to a computer first before getting a live person

Response from the owner: Thanks, Tony! We love having you as part of our insurance family.

John Louis Gatti

Chris was super helpful. Made sure to follow up with me to ensure everything was correct. Reassured me that they will help me out with ANYTHING I need. Will plan to us this family owned business in the future

Response from the owner: Thanks for the great review, John! We look forward to working with you in the future!

Blacc Hustle

GREAT INSURANCE COMPANY! EVEN BETTER CUSTOMER SERVICE AND DEPENDABILITY!Thank You Guys for all you do!

Response from the owner: Thank you for sharing your five-star rating! Our team will always be here to assist you whenever you have questions about your insurance plans or rates. Reach out anytime!

Alex Alex

Highly recommend them.Good serviceAnd thanks Greg he was very helpful

Response from the owner: Alex, your glowing review and recommendation mean so much to us. Thank you for sharing how pleased you have been with Greg and our team's service! Whenever we may be of assistance with your insurance needs, please be sure to give us a call.

Sabrina Jacobs

I have used them since forever and would not use anyone else

Response from the owner: Thanks so much for being a long-time customer, Sabrina!

LetsTalk NikkiRadio

Been with Mr Curtis for years, I highly recommend

Response from the owner: Thanks for your longtime service! We appreciate your business and are grateful for your five-star review.

Hemini dagoat

Great job

Response from the owner: Thank you, Hemini! We are thrilled that you have been so pleased with our support. Whenever you have additional insurance needs or questions, please do not hesitate to reach back out!

Michelle Moore

My experience is and has always been great..Mr Curtis set a standard that the team follows..

Response from the owner: We're happy we could help with your insurance needs, Michelle! Thanks for the great review.

karlito calledwell

Fast fast good service

Response from the owner: Thanks for giving us 5 stars, Karlito! Much appreciated.

Mr. Blackwell

Great company and people who stand on what Mr. Curtis started. Hope he's enjoying retirement. And thank you Helms staff for taking great care of my family for over 10 years.

Response from the owner: Thanks for the great review! We appreciate your feedback and we are happy we can take care of your family's insurance needs.

RONDO NATION

There amazing they still had my quote waiting for me and super affordable.

Response from the owner: We're glad you were happy with our service! Thanks for giving us five stars.

Fallon T

Curtis Helms insurance is the best insurance company I have been with ever. I started many years ago when I was 17 yrs old. Mr Curtis, Chris and Mrs Betty are always a pleasure to work with. They are ALWAYS super friendly and professional. I’ve had to change insurance a time or two only because of insurance rates but I’ve always managed to come right back to the Helms. I appreciate the service and how personal they are with every customer, that makes a difference and leaves a lasting impression. I have recommended so many friends and family to the business and they also love them.

Response from the owner: Thank you for your wonderful feedback, Fallon! We're glad we could provide you with excellence insurance products and service.

Dwanna Brandon

I have been doing business with Curtis Helms Insurance for at least 5 yrs or more - the staff is always friendly and always very helpful......If you have an insurance situation - go see Curtis Helms......

Response from the owner: Dwanna, it has been an honor to have you as such a loyal client for more than 5 years now. Thank you for complimenting our friendly, helpful team and for recommending us! We look forward to continuing to partner with you.

Danielle Alling

Wonderful customer service. Very efficient and right to the point.

Response from the owner: Thank you, Danielle! We love hearing from our satisfied clients, and it's great to know our team provided you with the service you needed. If you have any additional insurance-related questions that we may answer, never hesitate to reach out!

Sarder Sadid

Got me new insurance set up in a matter of hours on the same day. They did all the work. All I had to do is give my information.

Response from the owner: Sarder, thank you for sharing this 5-star praise. We are delighted that our team's efficient and comprehensive service left you not only insured but also so satisfied with the overall experience! Please reach back out whenever you need assistance.

JaMeese Miller

Chris, Betty & Greg are always great to work with! I know Curtis is proud and content with the legacy of Curtis Helms Insurance.

Response from the owner: We're glad to be continuing our legacy of providing great service! Thanks for giving us five stars.

Sherrie Hill

I’ve been dealing with this company for years always nice, treated with respect and they are very informative thank you so much for everything and great service 🥰

Response from the owner: We're happy we could provide you with great service, Sherrie! Thanks for giving us five stars.