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

Candida

feel good

Response from the owner: Candida, thank you for sharing such positive feedback. It's gratifying to know you've found our assistance to be worthy of 5 stars, and we will continue working hard to find you the best coverage for your needs. Reach out anytime.

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.

Deajha Phifer

The best in town

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

Stephane “Fonzo” Jerome

Very informative and convenient great staff

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

Alton Hunnicutt

I’ve been a customer a few years. I’ve never had any issues and customer service is excellent.

Response from the owner: Your review means a lot to us, Alton! Thanks for giving us five stars.

Sincere Hunter

Me and my family (mom, dad, brother, sisters) have been dealing with Curtis helms for years and I love the entire company, they're very nice, polite and respectful, just all around GREAT people who do GREAT business and treat you like family...

Response from the owner: Thanks for the 5-star rating!

Tiffany Talbert

Been with them over 20 years they are great people

Response from the owner: Thanks for the 5 stars! We really appreciate your business and your ongoing support.

Drucilla Banks

Great company and completely knowledgeable of the Insurance business 👏

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

Ace Love

The best

Response from the owner: Thank you for the 5 stars!

Mariana

Always so fast to spend me the information that I need

Response from the owner: Thank you for the 5-star rating! We are so grateful for your trust in our business and our team.

Mildred Tate

Exceptional Service

Response from the owner: Thank you for the 5-star review! We hope to have the opportunity to assist you again the next time you need us.

Martin Flores

I had a great experience with Curtis Helms Agency. They helped me get insurance set up for vehicle quickly and took the time to clearly explain my coverage options and what they had to offer. They were professional, responsive, and made the entire process simple and stress-free.What stood out to me most was how personable they were. They worked with me quickly whenever I needed assistance and even took the time to wish me a happy birthday, which was a really nice personal touch. You can tell they genuinely care about their customers. I would definitely recommend Curtis Helms Agency to anyone looking for reliable, friendly, and professional insurance service.

Response from the owner: We sincerely appreciate the 5 stars! Our team works hard to make sure every client is taken care of, and it is wonderful to hear we accomplished that for you.

Julie Earley

Customer service is awrsome

Response from the owner: Thanks for giving us 5 stars, Julie! We really appreciate it!

Alesia Jones

I've been dealing with Curtis Helms for many years and I never had a problem with their service they are always professional and willing to help guide you through all of the details of your policies and if you have any concern they will talk you through it to help you understand your policy and make sure that you are satisfied with your coverage. I trust them and appreciate their services.

Response from the owner: Thanks, Alesia! We appreciate your kind words. If there's anything we can do to earn that 5th star, please let us know!

N B

Always a good service provided and I always recommend and refer others to come here.

Response from the owner: We really appreciate your 5-star review! Thank you for your support!

tania pozo

Rebecca is amazing!!!! All the way around!

Response from the owner: Thanks, Tania! We're so glad we could help you get a great deal!

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!

Keltrina Henderson

Family owned for years .low rates.

Response from the owner: Thank you for the 5 stars!

Amber Williams

There has never been a time that Mr Greg has not made every effort to expedite the services that I need efficiently and promptly. I'm always excited to work with him. He's very knowledgeable and experienced.

Response from the owner: We really appreciate your 5-star review! Making sure our clients are completely satisfied is our top priority. Thank you for your support!

Henrietta Mcgill

Flore _

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

Evolution 2.0

Hands down best insurance company I've done business so far with in my 26 years of driving. Chris took care of me over the phone and email and I never had to set foot in the office. Now if that's not customer service I don't know what is. I look forward to a long business relationship with Helms. I am definitely pleased so far! Thanks guys!

Response from the owner: Thanks so much for the glowing review! We appreciate your kind words.

Alex Nary

Fast, simple and very supportive

Response from the owner: Thanks for the 5 star rating! ⭐

Melinda Ratchford

Greg V with Curtis Helms Insurance has done a grand job of moving our insurance from a company we had for decades. We saved thousands of dollars for the same coverage. He was in no way pushy or demanding. It was a seamless process and we highly recommend his expertise. Katherine Nixon was of great help also.

Response from the owner: We truly appreciate your 5-star rating, Melinda! It is always our goal to provide exceptional service, and we are thrilled we could deliver that for you.

Bruce Watson

Very friendly people. I've been dealing with them for years.

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

James Lifsey (Tom)

Greg was a pleasure to work with. He took my information and helped me find a fair auto insurance price. Kudos to Curtis Helms Insurance and Greg. More kudos to Greg 3 months later. Greg has found me affordable coverage on renter's insurance and has also lowered my auto premium. Great to work with...

Response from the owner: Nothing makes us happier than knowing you are 5-star-satisfied, James! Thank you for brightening our day with your outstanding rating. Whenever we may be of service, please don't hesitate to give us a call.

kia jenkins

Great service with helping me find the right inc.

Response from the owner: Thank you for your outstanding review, Kia! It's wonderful to know you were so pleased with our team's service and our efforts to find you the right coverage for your needs. Please let us know if you have any questions, and we'll be happy to assist you further!

Oliver Smith

I received a better price and easy process. They have a friendly team.

Response from the owner: Thank you for the great feedback! We're so glad the process was smooth.

Michelle Moore

My experience is and has always been great..Mr Curtis set a standard that the team follows.. I have been with them for over 20 years..love them

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

Mazun Bey

Wonderful working with the lady that I was that was helping me very very helpful Carrr back when she said she would and got me the lowest

Response from the owner: Thank you so much for the 5-star review! We really appreciate your business.

Cathy Bostic

I have been dealing with Curtis Helms for maybe three to four years, I haven't had a problem with them so far. Very nice ppl.

Response from the owner: Thanks for the great review, Cathy! We appreciate your loyalty and look forward to continuing to work with you!

shalik redfern

Very helpful in understanding my driving history’s and how it appeals to the insurance companies also the customer service and easy access to my agent was phenomenal

Response from the owner: Thank you for leaving such a fantastic review! We loved working with you and are so glad you are satisfied with the results.

Schedule an appointment with us to discuss your insurance needs.

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Our insurance plans will ensure your peace of mind.

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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.

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

They never disappoint.

Schedule an appointment with us to discuss your insurance needs.

Services We Offer

Home Insurance

Life Insurance

Commercial Insurance

Schedule an appointment with us to discuss your insurance needs.

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

FAQs About Home Insurance

What does home insurance cover?

What does home insurance NOT cover?

Is there a way to lower my home insurance rate?

Why Choose Curtis Helms Insurance?

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

Schedule an appointment with us to discuss your insurance needs.

Our insurance plans will ensure your peace of mind.

Learn Way to Get the Best Auto Insurance Rates

Similar Services We Offer:

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Schedule an Appointment Today

Schedule an Appointment Today