Home Insurance, Charlotte, NC

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

Do you own a home or vacation home? 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!

“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!”

★★★★★ 22^th August 2018 Charles G.

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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.

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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 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

Opreemo Coaching

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.

lisa howie

Katherine is very nice to work with.

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

Chamel

Super fast , professional and very nice people! Got us the best quote and made everything super easy ! We will definitely be back and send all of our customers to Curtis Helms insurance!

Response from the owner: Thank you for the awesome review! We’re thrilled you had a smooth experience and can’t wait to help you again.

Phyllis Mckinney

Been there for years good service

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

Jeremiah Burr

Good friendly environment and answered all my questions and concerns!

Response from the owner: We're glad we could help, Jeremiah! Thanks for giving us five stars.

Tameeka

Great customer service. Greg help me with getting the best rate possible. He was very honest and helpful. I would recommend them to anyone.

Response from the owner: Thank you for your positive review! We are so glad you're pleased with Greg's service. He's a great asset to our team!

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!

Charles Hoyle,Sr

The best.Better then the big guys and believe me I've tryed them.

Response from the owner: Thanks for the great review, Charles! We are so glad you enjoy working with us!

Jackie Cureton

Everyone is nice& has very great customer service & quotes are wonderful....

Mary Ryan

Never have a problem that they can't fix. Been with them for years. Very nice people 👍

Response from the owner: We love hearing this, Mary! Thank you for being such a loyal client and complimenting our wonderful team. We look forward to assisting you with your insurance needs going forward!

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.

Chris Jenrette

Excellent agent. It’s nice having an agent you can contact and deal with directly. I’ve already recommended to a couple friends.

Response from the owner: Thank you for your review and your recommendations! We appreciate your feedback, Chris.

kalil bathily

A great insurance company always ready to help customers at any time and they will satisfied your needs and will provide you an excellent service. I really appreciate your help and service.Thank you.

Response from the owner: We believe in providing great service at all times! Thanks for the kind review.

Keisha Stroud

I have been with them for years and love it

Response from the owner: Thanks for sticking with us, Keisha! We appreciate your great 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!

Edris George Prince

My agent to my personal finances into consideration, she was very compassionate and helpful

Response from the owner: Edris, we couldn't be happier to hear how much our personalized assistance has meant to you. Thank you for brightening our day with your glowing review!

ShaQuita Boyd

Greate been with them for 8 years

Response from the owner: Thank you for being such a loyal customer and for sharing this incredible review, ShaQuita! We will continue working hard to find you the best coverage to meet your needs. Reach out anytime.