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

Sabrina Marbury

The Company alwzys gives the best customer service

Clayton Livingston

I have had a wonderful experience with this company for over 20 some odd years. They have never failed me they have always been on point they are like family to me and I appreciate them a great deal I've been other places for about a half of a second and came right back home to where I belong this company is great and I would recommend them to the world. Years later and I'm still here and extremely happy 😊

Response from the owner: Thanks so much for your great review, Clayton! We're so glad to have you as part of our insurance family!

Ticola Mapp

The ONLY insurance company I will use in Charlotte. These people are my family now ❤️

Response from the owner: We love having you as part of our family, Ticola! Thanks! 🙂

Jae Dee

Rebecca was absolutely AMAZING to work with. Very knowledgeable and taught me things I had no clue even existed. When everyone else was quoting me sky rocket prices. She put in the work to find me something affordable in no time. Very pleased with this company. I will be back to add another policy with them. Rebecca will be my go to person! May God bless Curtis Helms insurance.

Response from the owner: we're glad we could provide you with excellent insurance help, Jae! Thanks for leaving a five-star review.

William Davis

Very nice people Thank you 🙏

Response from the owner: We're glad we could help! Thanks for the five-star review, William.

Gregory Cobb

Courteous and professional expedient service.

Response from the owner: Thanks for the positive review, Gregory! Let us know if there is something we can do to earn that final star.

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.

Jarrett Brewer

Great customer service quick and easy quotes.

Response from the owner: We're glad we could help you get a quote, Jarrett! Thanks for giving us five stars.

Tamika Briscoe

Katherine is the absolute best! Hands down!!

Angela Nelson

Nice doing business with you 😉

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.

A'lexis Young

I love them i been using them forever always been great and nice

Response from the owner: Thank you, A'lexis! It has been an honor to have you as such a loyal client, and we are committed to working hard for you going forward, too. Please don't hesitate to reach out whenever we may be of assistance!

Darrell Dawkins

I have been with this company from the day I started driving an they are not but great people business wise and they treat you like family my grandparents took me then to them many years ago they to also was a policyholder for many years til they passed on I LOVE YOU GUYS KEEP Up THE GREAT BUSINESS

Response from the owner: We are so grateful for your review, Darrell! It makes us proud to continue serving your wonderful family, and we will keep working hard to find you the best coverage for your needs. Reach out anytime!

Kylla Morrell

I had the very best experience for my first time get insurance. 🎉

Response from the owner: We're glad we could help you get the insurance you needed! Thanks for the five-star review, Kylla.

Erica

Been customer for years always get me right thanks Greg

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

Alice Chisholm

Great fair, understanding Company to work with, will get you Insurance to fit your needs and budget.

Response from the owner: Alice, we are truly grateful for your review. Finding you the best coverage and rates for your needs is our goal, so we are thrilled that you've been so pleased with our guidance. We will continue working hard for you!

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!

James Lifsey

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.

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.

Lothario Whitley

This company will find and fix any problems on your policy. They will also give you a call to make sure you're satisfied

Response from the owner: Thanks for your great review, Lothario! We're here to help with whatever insurance needs you have.

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 👌🏾

Response from the owner: Sujeidy, thank you for sharing about our team's helpful and accommodating services. We are so glad we were able to add your daughter's car and secure you a great discount, too! We will always work hard for you, so give us a call whenever you have a need.

Bishop David Crump Jr

Thanks Greg

Response from the owner: It is a pleasure to receive this top rating, David! Thank you for the shout-out for Greg, as well. Whenever we may assist you with your insurance needs, please be sure to give us a call.