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.

Need home insurance? Contact us to get an instant quote.

Get Instant Quote

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.

Need home insurance? Contact us to get an instant quote.

Get Instant Quote

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

Sylmyles Coleman

I've dealt with with this company for years and have had multiple cars insured by them. Never had a problem and they are very nice, professional and makes you feel like you are part of a family

Response from the owner: We're happy we make you feel like a part of our insurance family, Sylmyles! Thanks for leaving us such a positive review.

Yolanda Alexander

Always great highly appreciated them

Atoya Brannon

I love this insurance company. They always look out and try to get me a better rate.

Response from the owner: Atoya, it is wonderful to hear this. Our goal is to provide our clients with the best rates and policies to meet their needs, so we are thrilled that has been your experience. Thank you so much for sharing!

Byron Steele

They are very helpful willing the staff at Curtis Helms is knowledgeable and on point I will refer everyone to choose and give this insurance company your business my policy has reduced bye 30 dollars thanks Curtis Helms

Response from the owner: Byron, we are gratified to know you've been so pleased with our team's support. Thank you for sharing. And please reach back out if you have any insurance questions or needs that we may help you with going forward!

Oscar Magana

The better price I found true enough

Response from the owner: Thank you for the wonderful review, Oscar! We work hard to find the best insurance rates for our clients, so we are thrilled that you have been pleased. Reach out whenever you have questions, and we will be happy to assist you.

Effie Staffa

Very professional and quick😁

Response from the owner: Thank you, Effie! It means a lot to have earned your 5-star praise, and we are here whenever you have insurance-related questions that we may answer. Give us a call anytime.

Bill Chakra

Very Professional, Great to work with

Response from the owner: Thank-you so much for your review Bill. We really appreciate your business and look forward to helping you out again in future.

Rina Murillo

👍👍👍

Response from the owner: Thank you for the 5 stars and thumbs-up, Rina! It's an encouragement to know you think so highly of our team's service. Let us know when we may assist you next.

Owen Speid

Warm welcoming and helpful customer service representatives. They're efficient and reliable at Helms

Response from the owner: We really appreciate this, Owen. Your kind words about our warm and dependable service made our day, and we will continue to be here to meet your insurance needs. Reach out anytime!

Aviva Moody

Greg at Curtis Helms insurance helped me get a better rate on my car insurance.

Response from the owner: Aviva, we couldn't be happier to hear this! Our goal is always to find the best rates for our customers, so we are thrilled that Greg was able to achieve that for you. Please don't hesitate to contact us whenever you'd like further assistance!

Eliseo Martinez

Great service and excellent customer service!

Response from the owner: Thanks for giving us five stars! Whenever you need insurance help, call us.

raklein tambou

Been with them.over 25yrs

Response from the owner: Thanks for giving us 5 stars, Raklein!

Catherine Southerland

Very knowledgeable and experienced!

Response from the owner: We're glad we could put our knowledge to work for you! Thanks for the five-star review, Catherine.

Dashawn Bush

Great service!!

Response from the owner: Thank you for the kind words! We’re thrilled you had a great experience with our team.

kalil bathily

A great insurance company always ready to help customers at any time and they will satisfied your needs and will provide you an excellent service. I really appreciate your help and service.Thank you.

Response from the owner: We believe in providing great service at all times! Thanks for the kind review.

Mark Hatfield

Greg was very helpful and I was able to handle everything over the phone and quite efficiently, I might add. Excellent service.

Response from the owner: We're glad we were able to help! Thanks for the review, Mark.

Vickie Battle

Very professional and they take care of their customers.

Response from the owner: Vickie, thank you for reviewing. Your feedback means so much to us as we truly care about helping our customers find the best rates for the coverage they need. We will continue working hard for you.

Maria Hernandez

Absolute great thank you

Response from the owner: Thank you for the fantastic review! We hope to work with you again.

Kurt Walker

Ms. Rebecca was very knowledgeable, friendly, helpful....all around accommodating. A very nice woman, she even helped when I called back needing her help. GREAT JOB

Response from the owner: Thanks for the five-star review, Kurt! We're glad we could help you with your insurance needs.