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

Kea Barringer

1 day ago

Curtis Helms Insurance has been supportive of members of my family and I am grateful...

Response from the owner:Thank you for the kind review, Kea! We appreciate your feedback.

Phyllis Cooper

1 day ago

Great Customer Service

Response from the owner:Thank you, Phyllis! We love having you as part of our insurance family!

Keyonna

2 days ago

The best in the Queen City fast an reliable an not overly expensive 10/10 highly recommend especially Mrs Rebecca she is so sweet an professional

Tim Lowery (National Service Corp LLC)

2 days ago

Very good at communicating about my needs.

Response from the owner:Thanks for taking the time to review us, Tim!

Juwan Johnson

4 days ago

Exceptional service and great rates

Response from the owner:Thank you, Juwan! We take pride in finding the best rates for our clients, and it's uplifting to know you have felt so pleased with our services. Give us a call anytime if you have questions.

tania pozo

1 week ago

Rebecca is amazing!!!! All the way around!

Response from the owner:Thanks, Tania! We're so glad we could help you get a great deal!

Orlando Billings

1 week ago

Great environment, great people and just all around great company

Response from the owner:Thanks for the fantastic feedback, Orlando! We truly appreciate you taking the time to share your experience and are so glad to hear you enjoy working with our team!

Linda Harris

1 week ago

Katherine is a great agent. I would recommend Katherine and Helms insurance agency for you insurance needs.

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

zakoria jones

1 week ago

They always respond quickly and are extremely helpful! Curtis helms is always the first place I call when I need insurance coverage. Thank you guys!

Response from the owner:Thank you so much for the wonderful review and your continued trust! It's fantastic to hear that our quick response times and helpful team make us your go-to choice. We truly appreciate your loyalty to Curtis Helms!

Erika Hernandez

2 weeks ago

Excellent service every time! They always look for the best rates for me! I’ve been with them for over 17 years!

Response from the owner:We are so grateful for your 17 years with us, Erika! Thank you for the fantastic shoutout; making sure you always get the best rates is what we're here for.

Kisha Hall

2 weeks ago

And they just don't care about the business they care about they customers Miss Rebecca I lost my fiance from a heart attack and she was there for me the whole time that was God and a blessing thank you Rebecca I love you

Response from the owner:Thanks for giving us 5 stars, Kisha! We appreciate it!

Mark Himes

2 weeks ago

Every one here has been very helpful over the years and I will continue doing business here.

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

LBC Drako

2 weeks ago

Good and easy great customer service

Response from the owner:Thanks for the kind words! We're thrilled to hear you had a great experience and found our team easy to work with.

Natasha Williams

2 weeks ago

Great family owned company.Very nice people with great customer service.

Response from the owner:Thanks for the 5-star rating! We're thrilled you had a great experience with our team. Thanks for choosing to work with us.

joua moua

2 weeks ago

Christopher is great and very professional! He has been my agent for many many years and his father before him. Thank you for always helping me and my family.

Response from the owner:Thank you so much for the wonderful review! We are incredibly honored by your family's loyalty over the years. It is a true privilege to continue serving you!

Michelle Mitchell

2 weeks ago

Great company! Great staff! I've been with them for years!

Response from the owner:Thanks for giving us 5 stars, Michelle!

Chelsea Caldwell

3 weeks ago

Can't find better, more honest people to work with. They're more like family

Response from the owner:Thanks for giving us 5 stars, Chelsea!

Justine Mcclinton

3 weeks ago

The best insurance company

Response from the owner:Thank you for 5 star rating, Justine! ⭐

Sabrina Marbury

3 weeks ago

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.

Elle

3 weeks ago

Thank you. Rebecca for your help with getting a policy. Once again!

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

Ella Griffin

3 weeks ago

Chris and Greg are great

Response from the owner:Thank you so much for the 5-star review! We really appreciate your business.

EL McCall

4 weeks ago

To Whom It May Concern, I am writing to share my highest recommendation for Curtis Helms Insurance Company After 17 years as a loyal customer, with another insurance company. I recently went through a highly complex and challenging insurance situation. Throughout the entire process, Curtis Helms insurance went above and beyond to support me until everything was completely resolved. It is rare to find a company that demonstrates this level of care and reliability when you need it most. I highly recommend Curtis Helms Insurance Company to anyone for dependable home, auto, or general insurance coverage. The person that was most helpful Katherine. [ Elvira McCall

Response from the owner:Elvira, it means so much that you've entrusted us with your insurance needs, and we couldn't be happier to hear how impressed you have been with Katherine's service. Thank you for brightening our day with your kind words, and please do not hesitate to reach out with questions anytime!

Soosha Gourrier

4 weeks ago

Rebecca was great and polite.Im thankful she was able to get me reasonable coverage for my vehicle!

Response from the owner:Thanks for the kind words! We'll be sure to pass your compliments along to Rebecca. We're always here to help if you need anything else.

Sylmyles Coleman

4 weeks ago

I've dealt with with this company for years and have had multiple cars insured by them. Never had a problem and they are very nice, professional and makes you feel like you are part of a family

Response from the owner:We're happy we make you feel like a part of our insurance family, Sylmyles! Thanks for leaving us such a positive review.

Devan Hudson

4 weeks ago

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!

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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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