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.
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!”
★★★★★ 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.
Need home insurance? Contact us to get an instant quote.
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.
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.
Need home insurance? Contact us to get an instant quote.
Our insurance plans will ensure your peace of mind.
Make sure you get the coverage that’s right for your unique situation.
