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

Sincere Hunter

Me and my family (mom, dad, brother, sisters) have been dealing with Curtis helms for years and I love the entire company, they're very nice, polite and respectful, just all around GREAT people who do GREAT business and treat you like family...

Response from the owner: Thanks for the 5-star rating!

Tiffany Talbert

Been with them over 20 years they are great people

Drucilla Banks

Great company and completely knowledgeable of the Insurance business 👏

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

Ace Love

The best

Mariana

Always so fast to spend me the information that I need

Mildred Tate

Exceptional Service

Martin Flores

I had a great experience with Curtis Helms Agency. They helped me get insurance set up for vehicle quickly and took the time to clearly explain my coverage options and what they had to offer. They were professional, responsive, and made the entire process simple and stress-free.What stood out to me most was how personable they were. They worked with me quickly whenever I needed assistance and even took the time to wish me a happy birthday, which was a really nice personal touch. You can tell they genuinely care about their customers. I would definitely recommend Curtis Helms Agency to anyone looking for reliable, friendly, and professional insurance service.

Julie Earley

Customer service is awrsome

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

Alesia Jones

I've been dealing with Curtis Helms for many years and I never had a problem with their service they are always professional and willing to help guide you through all of the details of your policies and if you have any concern they will talk you through it to help you understand your policy and make sure that you are satisfied with your coverage. I trust them and appreciate their services.

Response from the owner: Thanks, Alesia! We appreciate your kind words. If there's anything we can do to earn that 5th star, please let us know!

N B

Always a good service provided and I always recommend and refer others to come here.

Response from the owner: We really appreciate your 5-star review! Thank you for your support!

tania pozo

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!

Sabrina Jacobs

I have used them since forever and would not use anyone else

Response from the owner: Thanks so much for being a long-time customer, Sabrina!

Keltrina Henderson

Family owned for years .low rates.

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

Amber Williams

There has never been a time that Mr Greg has not made every effort to expedite the services that I need efficiently and promptly. I'm always excited to work with him. He's very knowledgeable and experienced.

Response from the owner: We really appreciate your 5-star review! Making sure our clients are completely satisfied is our top priority. Thank you for your support!

Henrietta Mcgill

Flore _

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

Evolution 2.0

Hands down best insurance company I've done business so far with in my 26 years of driving. Chris took care of me over the phone and email and I never had to set foot in the office. Now if that's not customer service I don't know what is. I look forward to a long business relationship with Helms. I am definitely pleased so far! Thanks guys!

Response from the owner: Thanks so much for the glowing review! We appreciate your kind words.

Alex Nary

Fast, simple and very supportive

Response from the owner: Thanks for the 5 star rating! ⭐

Melinda Ratchford

Greg V with Curtis Helms Insurance has done a grand job of moving our insurance from a company we had for decades. We saved thousands of dollars for the same coverage. He was in no way pushy or demanding. It was a seamless process and we highly recommend his expertise. Katherine Nixon was of great help also.

Response from the owner: We truly appreciate your 5-star rating, Melinda! It is always our goal to provide exceptional service, and we are thrilled we could deliver that for you.

Bruce Watson

Very friendly people. I've been dealing with them for years.

Response from the owner: Thanks for the five-star review, Bruce! Call us whenever you need insurance help.

James Lifsey (Tom)

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. More kudos to Greg 3 months later. Greg has found me affordable coverage on renter's insurance and has also lowered my auto premium. Great to work with...

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.

kia jenkins

Great service with helping me find the right inc.

Response from the owner: Thank you for your outstanding review, Kia! It's wonderful to know you were so pleased with our team's service and our efforts to find you the right coverage for your needs. Please let us know if you have any questions, and we'll be happy to assist you further!

Oliver Smith

I received a better price and easy process. They have a friendly team.

Response from the owner: Thank you for the great feedback! We're so glad the process was smooth.

Michelle Moore

My experience is and has always been great..Mr Curtis set a standard that the team follows.. I have been with them for over 20 years..love them

Response from the owner: We're happy we could help with your insurance needs, Michelle! Thanks for the great review.

Mazun Bey

Wonderful working with the lady that I was that was helping me very very helpful Carrr back when she said she would and got me the lowest

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

Cathy Bostic

I have been dealing with Curtis Helms for maybe three to four years, I haven't had a problem with them so far. Very nice ppl.

Response from the owner: Thanks for the great review, Cathy! We appreciate your loyalty and look forward to continuing to work with you!

shalik redfern

Very helpful in understanding my driving history’s and how it appeals to the insurance companies also the customer service and easy access to my agent was phenomenal

Response from the owner: Thank you for leaving such a fantastic review! We loved working with you and are so glad you are satisfied with the results.

A Dot

They’re the best!

Response from the owner: Your review means a lot to us! Thanks for giving us five stars.

PR Extreme

Looking for insurance? Please don't worry about anything else. Curtis Helms will find you the best rate and will be courteous at the same time. Rebecca was delightful and responded quickly. I highly recommend them.

Response from the owner: Thank you for the kind words and recommendation! We're so glad Rebecca made your experience smooth and stress-free.