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Home Insurance, Charlotte, NC

Home > Home Insurance, Charlotte, NC

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

Do you own a home or vacation home in Charlotte? 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 Charlotte, 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!

 
Testimonial

“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!”

★★★★★ Charles G.

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

Check Out Some Of The Reliable & Affordable Insurance Solutions We Provide Our Charlotte Clients

Home Insurance

Home Insurance Coverage That Protects Your Family and Your Peace of Mind

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

Life Insurance

Comprehensive Life Insurance Plans to Protect the People Who Matter Most

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

Commercial Insurance

Commercial Insurance Coverage Designed for the Unique Needs of Your Organization

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

Get a Fast and Free Home Insurance Review to Maximize Your Coverage

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 house insurance solutions in Charlotte, North Carolina!

FAQs About Home Insurance

Here at Curtis Helms Insurance, we know that your home is important to you, and we want to help you do what’s best for it. Our team offers high-quality home insurance to help you protect your investment. If you have questions about home insurance, we encourage you to keep reading to find the answers you need below. (If we didn’t get to your question in this article, feel free to reach out to us directly.)

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.

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
Patricia Morgan
Patricia Morgan
Excellent service
Response from the owner: We appreciate your feedback, Patricia! Thanks for giving us five stars.
Lesli082
Lesli082
Always recommend my friends to Curtis. I’ve been with them since I was a teen and everyone who’s always helped me with any service has been great! Curtis, Rebecca, Greg, Will and Maria love yall thanks for always dealing with my ahh😆🫶🏽
Response from the owner: Thanks for giving us five stars! We're glad you were happy with our service.
dishaun wright
dishaun wright
I Thank God For Mr.Greg I had a situation with my down payment and he worked it out for me so that I could get insurance on my vehicle your The Best
Response from the owner: Thank you, Dishaun! We look forward to working with you again ⭐
Atoya Brannon
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!
Brandy White
Brandy White
Great fast customer service!!
Response from the owner: Thanks for the great review, Brandy! We hope to work with you again soon.
Melina Stanton
Melina Stanton
Very friendly, They are very helpful when I have any problems. I thank them so much for what they do.
Response from the owner: Thanks for giving us 5 stars, Melina!
Ms. P
Ms. P
Thank you Greg so much for helping me i really appreciate you have great day
Response from the owner: Thank you for the kind words! We're thrilled to hear you had a great experience 👍
Byron Steele
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!
Angela
Angela
They are the nicest and most professional people. They get the job done in a wick and professional manner
Response from the owner: We really appreciate the 5 stars! Thank you for choosing us!
Ashley Marshall
Ashley Marshall
Great comment highly recommend. Spoke with Will today, nice guy…
Response from the owner: Thank you, Ashley! We are thrilled that you were pleased with the quote you received along with Will's helpful support. Please let us know if you have any additional questions, and we will be happy to assist you.
David Riley
David Riley
Always professional- Rebecca
Response from the owner: Thank you for this wonderful feedback! We care deeply about the service we provide to our valued clients, so we are thrilled that our team's professionalism has stood out. Please don't hesitate to give us a call if we may answer any questions related to your coverage!
Jason JKLMNOQ
Jason JKLMNOQ
Great helped
Response from the owner: Thank you for the 5 stars! Providing top-notch service is always our goal.
Judy Woods
Judy Woods
I have used Helms Ins over 20+ years. They are like family to me.
Response from the owner: Thank you for being part of the family for over 20 years! Your trust and loyalty mean the world to us, and we're always here for you.
Blacc Hustle
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!
azondria
azondria
super friendly • affordable • fast
Response from the owner: We are thrilled by your feedback, Azondria! Thank you for your vote of approval and compliments for our helpful and friendly team.
Angela Arredondo
Angela Arredondo
Always have your best interest at heart.
Response from the owner: Thank you for your review, Angela and for your kind words!
angela mendoza
angela mendoza
Great people to help you to get you great rates.
Response from the owner: Angela, your feedback is precisely what we strive for. Thank you for highlighting our wonderful team and our sincere efforts to find you the best rates and coverage for your needs!
Sidney Rogers
Sidney Rogers
Always pleasant and delightful.
Response from the owner: Thank you for the 5 stars, Sidney!
Tanya Edwards Jules
Tanya Edwards Jules
I've been dealing with Curtis Helms for about 2 years. They have been honest and always found me the best deals.
Response from the owner: Thanks for leaving us this review Tanya! We look forward to earning that 5th star!
Ty Etakisse
Ty Etakisse
They are wonderful have had them for 6 years now and they always make sure i have the best rates they are quick and professional thank you Greg and all the agents at Curtis Helms
Response from the owner: We're thrilled to hear you had a great experience with us, Ty. Thanks for your support!
Buckdodgers1906
Buckdodgers1906
This Agency is awesome. Chris is a GREAT GUY!!! I'm new to Charlotte, NC and he told me the steps over the phone to help me get NC plates and a Drivers License. He even helped me get new renters insurance for my new apartment. The receptionist is also friendly and helpful. Lets be honest, Insurance isn't the happy happy fun time thing to deal with, but Chris and his agency make getting it fast and easy!!!
Yvette Hines
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!
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