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.

Home Insurance, Monroe, NC | Curtis Helms Insurance

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 Monroe, 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 Monroe, North Carolina!

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

Sujeidy Cummings

The best customer service ever …. daughter just got a new vehicle and after calling many insurance places we ended up adding her to our policy they gave us a great discount and I was able to do everything over the phone with out having to leave my job such a piece of mind dealing with professional people they really made my experience a lot easier made my payment over the phone and got my daughters new car insurance over email so yeah this is my experience 👌🏾

Bishop David Crump Jr

Thanks Greg

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.

Maria Hernandez

Absolute great thank you

Response from the owner: Thank you for the fantastic review! We hope to work with you again.

Marcella Ley

Very curtious and knowledgeable

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

Elle

Thank you. Katherine and Rebecca for your help in getting my policy.

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

Tony Martin

Professional. Can actually talk with a agent in person or on the phone.. Old School.. You don't have to talk to a computer first before getting a live person

Response from the owner: Thanks, Tony! We love having you as part of our insurance family.

Ronald McKinney

Curtis Helms Insurance has excellent customer service and I will recommend them to everyone that I may come in contact with regarding insurance.

Response from the owner: Thanks for the five-star review, Ronald! Contact us if you ever need insurance help.

Janisa Daniels

Great !!

Response from the owner: Thanks for the review, Janisa! We appreciate your feedback.

Cory Mangum

Been dealing with Curtis Helms since 2013 and never been disappointed with the work they’ve put in.

Response from the owner: Thanks for the five-star review, Cory! We're glad you're our client.

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!

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.

ッiiToobe

Very helpful

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

Aneisa Woodcock

Quick easy best quote I got in a while. They are fast with what they do costumer service is excellent

Response from the owner: Thanks for the great review, Aneisa! Customer service is something we focus on every day.

Dennis Lowery

Always handles our insurance needs quickly and great prices!

Response from the owner: Thanks, Dennis! We're so glad to have you as part of our insurance family.

Siovhan Filmore

Been great for over fifteen years

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

Veronica Gibson

Awesome family owned insurance business..great insurance pricesExcellent customer service ❤️❤️❤️❤️

Richard auberry

Chris Helms was so easy to talk to he took very little time to get me what I needed. No runaround straight to the point in getting my insurance.

Response from the owner: We are thrilled to hear this, Richard! Thank you for spreading the word about Chris' honest and helpful service, and rest assured that we will continue working hard for you. Reach back out anytime.

Jelani Burwell

Great company, great staff, fast service and awesome prices. Curtis Helms Insurance is definitely the place to go to!

Response from the owner: We’re so grateful for your kind rating! Thank you for leaving a 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!

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!

Todd Family

The best insurance company I’ve ever dealt with and awesome customer service. I’m recommending all family friends and anyone that needs great service for the best price

Response from the owner: Thanks for the great review! We're glad you are one of our clients and hope to meet your insurance needs for many years to come.