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.

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

Jamorris Singleton

Awesome customer service, very knowledgeable and great group of guys plus women. Excellent company to deal with!!!

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

Tia C

Quick and professional

Response from the owner: Thanks for the five-star review, Tia! We appreciate your feedback.

Preston Meeks

Rebecca really helped me out with getting me a policy that I could afford.. thanks Curtis helms insurance and Rebecca..

Response from the owner: Thanks, Preston! We're glad to have you join our insurance family!

Sherry Anthony

I love the helms insurance Agency i have been with them for some years, i left them and came back and they still treated me like family i love Mr and Mrs Helms 🙏🏾❤️🥰

Response from the owner: Thank you for your loyalty and kind words! We’re so happy to have you back and truly appreciate you being part of the Helms Insurance family.

Chan McCray

Magnificent staff very helpful love it here

Response from the owner: We're glad our staff could help you out! Thanks for the five-star review.

Gabrielle Kuntzman

Greg is awesome! He stepped me through the process of insurance my first vehicle and worked with me to get a good deal on insurance!

Response from the owner: We're glad we could help you get a good deal! Thanks for the review, Gabrielle.

Kiesha Turner

Always a pleasure. Fast responsive and efficient

Response from the owner: We really appreciate these compliments, Kiesha! It's an encouragement to know you always receive efficient support from our team. We look forward to continuing to help with all your insurance needs.

Tanisha Hampton

Rebecca is awesome!! Curtis Helms and his family has always b been amazing!!

Response from the owner: Tanisha, it is incredibly uplifting to hear how happy you have been with our team's assistance! Thank you for highlighting Rebecca's meaningful support, and please continue to contact us whenever we may be of service.

Ashley Nevills

The best at everything they do...

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

Cameron Carroll

Saved me money and offered great customer service. Highly recommend.

Response from the owner: We're glad we could help, Cameron! Thanks for the great review.

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!

Jonquaila Davis

I love it here me and my family have been with them since I was 6yrs old and I’m now 35. YEAH!! They are really good and great RATES.

Response from the owner: Keep turning to us for insurance, Jonquaila! Thanks for the great review.

Jona

The people at Curtis Helms are very kind and very helpful. Thank you Chris Rebecca! (I'm sure the other's are fantastic also!).

Response from the owner: We're so happy we could help, Jona! Thanks for the great review.

vannessa douglas

The experience was greatHe made doing business with Helms incredibly easy.Truly appreciate him

Response from the owner: Thanks for the 5-star review, Vannessa! We are so glad you've enjoyed working with us!

anthony

Great fast and efficient!

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

Jack Daniels

Remarkable customer service!

Response from the owner: Your feedback means a lot to us, Jack! We strive to provide outstanding service when you reach out to discuss your insurance needs, so we are thrilled you've received just that. Thank you for sharing!

Christina Conner

Had a great experience with this homeowner’s insurance agency, they saved me money and were easy to communicate with!

Response from the owner: Thank you, Christina. We strive to provide the best rates and helpful communication to meet your insurance needs, so your feedback is truly gratifying.

Angelica Bynum

Fast friendly great service

Response from the owner: Thank you for your review, Angelica! We appreciate your support and look forward to serving you again!

Angela Shuford

Very friendly and professional. Has the cheapest insurance in Charlotte

Response from the owner: We appreciate the great review, Angela! We are grateful to have you as a customer!

Sarah Y Gaddy

Very friendly, easy to understand the types of policies.

Response from the owner: Thanks for the great review, Sarah! We are glad you had a positive experience working with us!

Michael

Great service friendly people

Response from the owner: Thank you for the review, Michael! Friendly service is what we strive for, and we appreciate your support!

Tony Herrera

Rebecca was great, made it easy and provided a quote in no time. Very fair prices and will definitely stick with them. Very professional as well. I have no complaints whatso ever.

Response from the owner: Thank you for your review, Tony! We appreciate your trust in us and look forward to continuing to serve you!