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

Shirley Redfearn

I have always had good results! Good customer service!

Response from the owner: We're glad we can always help you get good results! Thanks for the five-star review, Shirley.

Zaria Herndon

Been doing business with this company since 2017 when I first got my license & car. I love them!

Sidney Rogers

Always pleasant and delightful.

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

Angela Norman

A1

Response from the owner: Thank you for the five stars, Angela!

priscilla philpot

I love curtis helms insurance best place to be thier warm and friendly courteous and professionalism

Response from the owner: Thanks so much, Priscilla! We are happy to have you as part of our insurance family!

Adrienne Stewart

i needed insurance asap and alex and carolyn was great took care of me quickly thank you so much

Response from the owner: Thanks for sharing your experience, Adrienne! We are glad we were able to help in your time of need.

Andrea Arguello

Amazing customer service very helpful got me the best quote thank you so much!

Response from the owner: Thanks for the 5 stars, Andrea! You made our day. 😊

Hala Abdelal

Great insurance agent ! I recommend them for everyone! They will help you get protected.Thank you Curtis Helms Insurance!

Response from the owner: Thank you so much for the five-star rating, Hala! We truly appreciate your support.

Jose Delacruz

I get the best cuote here. im happy

Response from the owner: Thanks for the five-star review, Jose! We appreciate your feedback.

Angela Shuford

Very friendly and professional. Has the cheapest insurance in Charlotte

Response from the owner: We appreciate the great review, Angela! We are grateful to have you as a customer!

Gladys Stokes

fast response! very helpful with explaining policy requirements

Response from the owner: Thank you, Gladys! We are happy that our team answered your questions so promptly and thoroughly, and we are if you need anything else related to your coverage. Please contact us anytime!

Dwana Truesdale

Curtis Helms Insurance was recommended to me by a good friend of mine. I must say it was a pleasure connecting with them and finding a better insurance. 10/10 I would recommend.

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

dyana Bradley

Everyone is always so kind and professional.

Response from the owner: Thank you, Dyana! It's incredibly uplifting to know how much our team's friendly, professional assistance has impressed you, and we are here to answer any questions you have about your insurance coverage. Give us a call anytime.

karlito calledwell

Fast fast good service

Response from the owner: Thanks for giving us 5 stars, Karlito! Much appreciated.

John Olivarez

Great agency highly recommended

Response from the owner: Thank you for the spectacular rating, John! It is always our goal to find the best policies and rates to meet our clients' insurance needs, so your stamp of approved is truly gratifying. We look forward to assisting you going forward, too!

Sabrina Marbury

The Company alwzys gives the best customer service

Response from the owner: Sabrina, we couldn't be happier about your feedback. Thank you for taking the time to spread the word about the fantastic support we provide! We are always here to help find the best policies at the best rates to meet your needs.

Sharon Parks

Always available to help solve any problems concerning your insurance. Great people!!!!

Response from the owner: Sharon, it means the world to have earned your 5-star approval! Thank you for trusting us with your insurance needs, and rest assured that we will continue working hard for you. Give us a call anytime!

Devan Hudson

I've been dealing with Curtis Helms insurance for about 5 years. Greg is my man to go to, to get me the best bang for my buck. He's gone through quite a few companies to get what I need for my Auto insurance. Highly recomend.5 stars across the board. Everyone is so helpful and takes the time to discuss all my options before I bought my last policy.

Response from the owner: We appreciate the 5-star review, Devan!

Ponce Perez

Great people nice serviceThank you

Response from the owner: We're so glad you had a great experience, Ponce. Thank you!

Nubian Kween

Been working with them company for years. They always provide the best advice and best quotes. Highly recommend.

Response from the owner: Thanks for giving us five stars! Call us whenever you need insurance help.

Savion Aikens

Always professional and courteous!

chavis houston

Very helpful. Understood exactly what I needed.

Response from the owner: We truly appreciate your 5-star review and your support.

Meisha-Shauna

Staff is very friendly and helpful

Response from the owner: Thank you for taking a moment to give us this top rating, Meisha-Shauna! It made our day to know you think so highly of our services, and we look forward to partnering with you going forward, as well. Reach out anytime.

Djerah Kouakou

Best agent, great customer service

Response from the owner: Thank you, Djerah! We are thrilled that you think so highly of our service, and we will continue working hard to find you the best rates and coverage. Give us a call with questions anytime!

Tony Villa

Greg is very Knowledgeable and will take his time to explain any questions and concerns. Was able to find better coverage for less! That alone is a 10 star service in my opinion!

Response from the owner: Tony, nothing makes us happier than lowering our customers' insurance costs while boosting their coverage. Your review made us very happy! We look forward to continuing to assist you, and we welcome you to reach out anytime.

Tim Lovelace

Very helpful agent!!

Response from the owner: Tim, we really appreciate your complimentary review. It's wonderful to know you found our agent's assistance so helpful, and we are here if you have any additional questions. Reach back out anytime.

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Our insurance plans will ensure your peace of mind.

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Home Insurance, Monroe, NC

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

High standards & utmost integrity!

Need home insurance? Contact us to get an instant quote.

Services We Offer

Home Insurance

Life Insurance

Commercial Insurance

Need home insurance? Contact us to get an instant quote.

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

Why Choose Curtis Helms Insurance?

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.

Similar Services We Offer:

Homeowners Insurance

Homeowners Insurance

New Home Insurance

New Home Insurance

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Get an Instant Quote for Home Insurance

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