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

Thomas Hilgardner

Katherine helped me with auto and home moving to NC from out of state and I’ve been very pleased with their service

Coco Bee

Great customer service, fast response time, and great quotes

Response from the owner: Thank you for leaving us a great review, Coco! We're glad we could be of service to you.

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.

sherry anthony

Curtis Helms has been my car insurance agent for so many years Mr and Mrs. Helms treat me like family and i love them so much, if I have any issues I call Rebecca or the son. Love you Curtis Helms insurance Agency

James Adams

Great family business really good people

Response from the owner: James, your compliments mean so much to us. Thank you for sharing how impressed you have been with our team! Whenever you have questions related to your insurance coverage, please be sure to let us know and we'll be happy to assist you.

Demika Wallace

Hands down Helms Insurance is the best in the state. The family owned company always offers affordable rates and a variety of coverage to fit your needs. Staff is always professional and treats everyone like family. Helms insurance has been my insurance provider for over 25 years and will remain.

Response from the owner: We are thrilled by your exceptional rating, Demika! Thank you for indicating what confidence you have in our services. Whenever you have insurance-related questions that we may answer, please don't hesitate to reach out!

Almadelia Sanchez Gonzalez

They have great customer service!! And shout out to Rebecca she has been such an amazing help getting my insurance coverage! Five ⭐️⭐️⭐️⭐️⭐️

Response from the owner: We're glad we could help with your insurance needs! Thanks for the kind review.

Marcella Ley

Very curtious and knowledgeable, the best ever.

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

Jacqueline Burns

Very good company and customer service

Response from the owner: Thank you, Jacqueline! We are delighted that you have been pleased with our team and our services, and we will continue to be here for you. Reach out whenever you have questions related to your insurance coverage!

Carol Long

Very knowledgeable

Response from the owner: Carol, thank you for your kind comment and 5-star rating! We are so glad you've found our team members to be so knowledgeable, and we will continue working hard to find you the best coverage for your needs. Give us a call with questions anytime.