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.

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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

k mill

Very king and helpful

Kim Reilly

Amazing. Period

Response from the owner: Thanks for giving us five stars, Kim! Call us whenever you need insurance help.

Crystal Johnson

The team worked very hard to get me the best quote for my family. Greg Alex and the young lady (sorry I forgot your name) but you all shined in assisting me

Response from the owner: Your review means a lot to us! Thanks for the feedback, Crystal.

Latravian Collins

Great people, with great customer service

Response from the owner: Thank you, Latravian! It means a lot to know you think so highly of our team and the services we have provided. Whenever you have questions about your insurance policies or need any other assistance, please don't hesitate to let us know.

Tyrone Duncan

Excellent insurance company. Very polite friendly and knowledgeable.

Response from the owner: Tyrone, your kind words for our friendly and knowledgeable team mean so much to us! Thank you for taking the time to give us your stamp of approval.

Donald lackey

Always professional and very knowledgeable about all insurance related concerns

Response from the owner: Thank you for giving us 5 stars, Donald!

Jason JKLMNOQ

Great helped

Response from the owner: Thank you for the 5 stars! Providing top-notch service is always our goal.

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!

TAX Less

I love this company they help me with low car insurance prices

Response from the owner: Thank you so much for this wonderful review! It made us smile to know how helpful we've been in finding you the best rates, and we will continue to be here to answer any questions you have. Reach out anytime!

Juston Curry

Been with Curtis for 20 years+ best in the business

Response from the owner: Thanks for the five-star review, Juston! Call us if you ever need help with insurance again.

Savion Aikens

Always professional and courteous!

Latonya Evans

I have been with the Helms family for a few years their very friendly and helpful I enjoy doing business with Curtis Helms.

Response from the owner: Thanks for the 5-star review, Latonya!

Patricia Morgan

Excellent service

Response from the owner: We appreciate your feedback, Patricia! Thanks for giving us five stars.

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

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

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!