Full Coverage Auto Insurance, Charlotte, NC

We’ll help you have a better understanding about the benefits and options involved with full-coverage auto insurance.

Full-coverage auto insurance is a type of policy that most people opt for, not only because lenders require it, but because of the risks that are mitigated by having it. Here at Curtis Helms Insurance in Charlotte, North Carolina, we are a great source for getting auto insurance quotes and same-day coverage, in most cases. We provide exceptional customer service so that we can accurately advise you as to the types of coverage and policy limits that are best for your situation.

Home Insurance in Charlotte, North Carolina

Standard liability insurance is mandatory so that you can legally drive your vehicle on our highways, but this coverage is not enough for most people as it only covers damage you inflict on others. It doesn’t cover the damage to your vehicle or a host of other options you can put into a full-coverage auto insurance policy.

When you call us to discuss full-coverage auto insurance, we’ll learn as much as we can about your risk tolerance and provide you with the cost to add certain coverages to your policy. For example, you might be interested in towing, rental reimbursement, uninsured/underinsured motorist bodily injury coverage, or specialty add-ons that vary from one insurance company to another. In addition, we’ll discuss your options for liability limits and deductible amounts. The goal is to provide you with the full-coverage auto insurance that protects you at the premium amount your budget can cover.

We’ll help you have a better understanding about the benefits and options involved with full coverage auto insurance.

Full coverage auto insurance is a type of policy that most people opt for, not only because lenders require it, but because of the risks that are mitigated by having it. Here at Curtis Helms Insurance in Charlotte, North Carolina, we are a great source for getting auto insurance quotes and same-day coverage, in most cases. We provide exceptional customer service so that we can accurately advise you as to the types of coverage and policy limits that are best for your situation.

Full Coverage Auto Insurance in Charlotte, North Carolina

Standard liability insurance is mandatory so that you can legally drive your vehicle on our highways, but this coverage is not enough for most people as it only covers damage you inflict on others. It doesn’t cover the damage to your vehicle or a host of other options you can put into a full coverage auto insurance policy.

When you call us to discuss full coverage auto insurance, we’ll learn as much as we can about your risk tolerance and provide you with the cost to add certain coverages to your policy. For example, you might be interested in towing, rental reimbursement, uninsured/underinsured motorist bodily injury coverage, or specialty add-ons that vary from one insurance company to another. In addition, we’ll discuss your options for liability limits and deductible amounts. The goal is to provide you with the full coverage auto insurance that protects you at the premium amount your budget can cover.

If you would like a better understanding about what full coverage auto insurance is and the options available, don’t hesitate to contact us. We’ll make sure you are well-informed, so you can make the right decision for your situation. Call today to learn more about any of the insurance coverages we can assist you with, including auto, home, life, and commercial insurance.

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

They never disappoint.

“They took their time to explain everything to me and were very nice. Everyone at the office is lovely. I’ve been there several times and been with them for about 8 years. They never disappoint. ”

★★★★★ 22^th August 2018 Margaret O.

Schedule an appointment with us to discuss your insurance needs.

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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.

Schedule an appointment with us to discuss your insurance needs.

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

If you would like a better understanding about what full coverage auto insurance is and the options available, don’t hesitate to contact us. We’ll make sure you are well-informed, so you can make the right decision for your situation. Call today to learn more about any of the insurance coverages we can assist you with, including auto, home, life, and commercial insurance.

At Curtis Helms Insurance, we offer full-coverage auto insurance to those in Charlotte, Monroe, Kannapolis, Mooresville, Hickory, Harrisburg, Raleigh, Greensboro, Gastonia, Winston-Salem, and Wilmington, 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, 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 quote.

See what some of our satisfied clients are saying about our auto insurance and other types of insurance.

Excellent

4.9

Dennis Lowery

Always handles our insurance needs quickly and great prices!

Response from the owner: Thanks, Dennis! We're so glad to have you as part of our insurance family.

Vannessa Douglas

I have been with this company for years. Every time I call and need assistance or additional help with anything, they are always pleasant. They search for the best affordable policy and move expeditiously. Even when the policy laps, I can call and they never treat me any different. They receive me with open arms and a smile

Siovhan Filmore

Been great for over fifteen years

Response from the owner: Thanks for the five-star review! Call us whenever you need insurance help.

Veronica Gibson

Awesome family owned insurance business..great insurance pricesExcellent customer service ❤️❤️❤️❤️

Richard auberry

Chris Helms was so easy to talk to he took very little time to get me what I needed. No runaround straight to the point in getting my insurance.

Response from the owner: We are thrilled to hear this, Richard! Thank you for spreading the word about Chris' honest and helpful service, and rest assured that we will continue working hard for you. Reach back out anytime.

Jelani Burwell

Great company, great staff, fast service and awesome prices. Curtis Helms Insurance is definitely the place to go to!

Response from the owner: We’re so grateful for your kind rating! Thank you for leaving a review.

Herbert Worthy

Great service they work hard to get u the best rates

Response from the owner: We’re so grateful for your 5-star rating! Thank you, Herbert!

Aaron Davis

Chris Helms stands on business. I would definitely recommend them to any of my friends and family for business. 💯

Response from the owner: Thanks so much for recommending us! We really appreciate it!

Gwendolyn “Honey” Higgs

This was a great experience thank you .

Response from the owner: We're glad you had a great experience! Thanks for giving us five stars.

Janet Lynne Morgan

Thank you so much for the excellent service and support through the process of getting my new homeowners policy. Everything was very easy and clear and it was handled professionally. I really appreciate it thank you so much. 😊

Response from the owner: We're glad we could help with your insurance needs, Janet! Call us whenever you need help in the future.

BigDaddyCain

Great customer service, Have been using him for years now and Is always very helpful.

Response from the owner: Thanks for giving us 5 stars! We are so glad you've had a positive experience working with us!

Naesha Moser

Great people to speak to on insurance for your car, boat, house, animals, bike, or RVs!

Response from the owner: Thank you for your kind words! We're always happy to help with all your insurance needs.

Tracy Nelson

Thank you for helping me.

Response from the owner: Thanks for the five-star review, Tracy! Call us for any and all of your insurance needs.

Jeremy Nixon

Absolutely the best agency I've ever dealt with. Katherine is AMAZING!

Francine Wylie

Great place for insurance.

Response from the owner: Thank you! Your support means a lot to our team.

Esther Tolbert

Great customer service 👍...... Greg is awesome 😎

Response from the owner: Thank you so much, Esther! It's wonderful to know you think so highly of our services, especially the support you have received from Greg. Please don't hesitate to reach back out anytime.

cindylanier08

I was comparing rates with other local insurance agencies and Greg won my business. He was straight forward, no nonsense, these are the numbers. I'll take that over the sloppy work that cost me time and money somewhere else. Thanks, Greg!

Response from the owner: Cindy, we couldn't be happier to hear how impressed you were with Greg's knowledgeable, straight-forward service! Thank you for encouraging us with your wonderful review.

Joshua Tabor

Great company, great people!

Response from the owner: Thanks for your great review, Joshua! We appreciate your feedback.

Tru Definition

Amazing services here

Response from the owner: We're glad we could provide amazing service! Thanks for the great review.

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!

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!