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

Chelsea Caldwell

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

The best insurance company

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

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.

Elle

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

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

To Whom It May Concern,I am writing to share my highest recommendation for Curtis Helms Insurance CompanyAfter 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 recommendCurtis Helms Insurance Company to anyonefor 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!

Tim Lowery (National Service Corp LLC)

Very good at communicating about my needs.

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

Soosha Gourrier

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

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

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!

Katie Hall

Curtis Helm’s team checked several insurance companies for my car insurance and got back to me with a great quote for the year, saving me a lot of money$$$$.Home owners insurance was also a savings! Would highly recommend to have them check around, especially if you haven’t in a few years, mine kept inching up, plus an “incident” that wasn’t my fault was listed on my old insurance that made it go up.

Response from the owner: Thanks for the fantastic review! Making sure you get the best rates without being penalized for things out of your control is exactly what we're here for.

Rashid

Wow fat Brady clear and comfortable. Thanks dude

Response from the owner: Thank you, Rashid! We are thrilled that you are feeling so pleased with the assistance we've provided for you thus far, and we will continue working hard for you going forward. Reach out with questions about your coverage anytime.

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.

Andrew Waite

Always professional friendly and courteous.

Response from the owner: Thank you so much, Andrew! We love taking care of our customers and truly appreciate your continued support.

Olivia Salas

Great customer service, very helpful and patient

Response from the owner: Thanks for giving us a great 5-star review, Olivia! We appreciate you!

Melina Stanton

Very friendly, They are very helpful when I have any problems. I thank them so much for what they do.

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

Phyllis Cooper

Great Customer Service

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

Von Davis

I had the same insurance agency for over 20 years Hi Curtis/Chris.....my whole family and alot of our friends use this same agency

Response from the owner: Thanks for the great review, Von! We're sure grateful for loyal customers like you!

Brandon Hunter

Great!!

Candida

feel good

Response from the owner: Candida, thank you for sharing such positive feedback. It's gratifying to know you've found our assistance to be worthy of 5 stars, and we will continue working hard to find you the best coverage for your needs. Reach out anytime.