Home Insurance, Charlotte, NC

Posted by Insurance Specialist February 16th, 2022

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 Charlotte, 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!

 
Testimonial
“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!”
★★★★★ Charles G.

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

Services We Offer

Home Insurance

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

Life Insurance

Protect your future and your loved ones by securing a life insurance policy specific to your situation.

Commercial Insurance

Commercial Insurance

Mitigate risk and reduce liability by turning to us to update your business’ commercial insurance portfolio.

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

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 Charlotte, North Carolina!

FAQs About Home Insurance

Here at Curtis Helms Insurance, we know that your home is important to you, and we want to help you do what’s best for it. Our team offers high-quality home insurance to help you protect your investment. If you have questions about home insurance, we encourage you to keep reading to find the answers you need below. (If we didn’t get to your question in this article, feel free to reach out to us directly.)

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.


At Curtis Helms Insurance, we offer home insurance to those in Charlotte, Monroe, Kannapolis, Mooresville, Hickory, Harrisburg, Raleigh, Greensboro, 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.

 
Chris explained all aspects of the policy and answered all of my questions as any professional could. He provided me with all the info I needed to make an informed decision.I would definitely recommend him and his company to any friend.Thanks, again Chris.
Moi
Moi
21:01 22 Sep 22
Very caring , understanding and helpful professionals. My personal gratitude to you all . Thank you very much !!!
Irina Masters
Irina Masters
14:55 21 Sep 22
Wonderful experience working with the Curtis Helms Team!
Crystal Perry
Crystal Perry
03:05 21 Sep 22
Friendly staff great service
Cam Camodadon
Cam Camodadon
17:43 19 Sep 22
My sister recommended Curtis Helm for my insurance needs. Great experience, knowledgable, professional and friendly.
B. Nix
B. Nix
03:00 16 Sep 22
The people are so friendly and make you feel so comfortable they give out gifts for Christmas I recommend them to anyone. 🙂
Wilda Knotts
Wilda Knotts
00:50 16 Sep 22
I have been with this company for a few years now. Their customer service is amazing and they have always made sure my needs are met. I am so thankful!
Samantha Florez
Samantha Florez
19:58 15 Sep 22
Everyone is nice& has very great customer service & quotes are wonderful....
Jackie Cureton
Jackie Cureton
21:25 06 Sep 22
Very friendly, easy to understand the types of policies.
Sarah Y Gaddy
Sarah Y Gaddy
19:57 06 Sep 22
Have always found the best deals
Lydia Bernard
Lydia Bernard
21:03 02 Sep 22
I just simply love them.. Excellent service..
Korean Jones
Korean Jones
19:18 01 Sep 22
Courteous and professional expedient service.
Gregory Cobb
Gregory Cobb
13:42 29 Aug 22
I love this agency. Family oriented and professional.
B Nicole
B Nicole
16:11 26 Aug 22
Always take good care of my needs.
Mitchelle Wall
Mitchelle Wall
17:23 23 Aug 22
They Are Great
Denise Gaddy
Denise Gaddy
17:20 23 Aug 22
I've been doing business with this family-owned insurance agency for over ten years and they are beyond awesome!
Richie Lindo
Richie Lindo
18:19 22 Aug 22
The best team in the Metro Charlotte area!
DRUCILLA BANKS
DRUCILLA BANKS
18:09 22 Aug 22
Always have!!!
Pamela Pittman
Pamela Pittman
17:26 22 Aug 22
Greg was very helpful in finding me the cheapest auto insurance, please check them out you wouldn't regret it.
Latoya Benton
Latoya Benton
15:54 20 Aug 22
This is the best insurance company around I highly recommend there service
Buzz Littlejohn
Buzz Littlejohn
13:30 18 Aug 22
I have always received great customer service.
Rosa Clark
Rosa Clark
05:56 18 Aug 22
MUST SAY CUTIS HELMS IS THE BEST IF YOU NEED LOW RATE QUALITY HONEST FRIENDLY INSURANCE STOP SEARCHING CALL CURTIS HELMS THEY GOT THE HOOK UP...MS.KATHERINE HELMSINS YOU'RE THE BEST I TRULY THANK YOU GREAT CUSTOMER SERVICE...I PROMISE Y'ALL YOU WILL NOT BE DISAPPOINTED ESPECIALLY WITH THE WAY EVERYTHING IS GOING UP WANT TO SAVE CALL CURTIS HELMS
JOSEPH JENNINGS
JOSEPH JENNINGS
18:33 03 Aug 22
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.
Cathy Bostic
Cathy Bostic
20:03 02 Aug 22
Best ever 10+ years with them always have been no matter how many time I restart my policy
chasite hudson
chasite hudson
18:19 02 Aug 22
Chris takes care of his customers and provides solid counsel on insurance of all types.
Davidson K
Davidson K
17:58 27 Jul 22
Helms will find you the best deal and price.
Veda Crawford
Veda Crawford
19:26 19 Jul 22
Great company to do business with!!!
Terether Webb
Terether Webb
21:57 15 Jul 22
Awesome people
Andrea Moore
Andrea Moore
12:24 13 Jul 22
I got a quote that was far below any of the offers I had been receiving in the mail. The customer service is truly top notch. I think I'm going to like it here!RG
True Trucker 4 Real
True Trucker 4 Real
20:25 12 Jul 22
Amazing Family Businesses been going here for years they will get you right where you Need to be.
Arianna Moultry
Arianna Moultry
21:56 11 Jul 22
Fast and easy service.
Cuong Pham
Cuong Pham
14:43 08 Jul 22
Great company highly recommended
Khary Brown
Khary Brown
14:34 08 Jul 22
They are the best and really are helpful
mrs west
mrs west
11:35 06 Jul 22
They are definitely my go to place hands down. Always available, always straight forward answers and never gave bad advice even if they couldn't provide the service. This is why I've always appreciated them.
Richard Cummings
Richard Cummings
18:40 30 Jun 22
I have had a wonderful experience with this company for over 20 some odd years. They have never failed me they have always been on point they are like family to me and I appreciate them a great deal I've been other places for about a half of a second and came right back home to where I belong this company is great and I would recommend them to the world
Clayton Livingston
Clayton Livingston
17:52 29 Jun 22
Very helpful And professional
Andy Mcmillan
Andy Mcmillan
16:22 29 Jun 22
The office staff is helpful and courteous. They work with you to offer the policies you need. They put the customer first and are transparent about the companies they partner with. I got a great premium on car insurance and would recommend them to my family and friends.
MyHigher Vybe
MyHigher Vybe
18:07 27 Jun 22
Greg is always friendly and helpful.
Dawn Marshall
Dawn Marshall
14:07 16 Jun 22
I have used them since forever and would not use anyone else
Sabrina Jacobs
Sabrina Jacobs
19:21 10 Jun 22
Great Company
Edward McCollum
Edward McCollum
17:21 20 May 22
Great people for auto insurance, that have helped me in so many ways. Always has given me the best rates for auto insurance. Thanks guys.🥰🥰🥰
Peggy Simpson
Peggy Simpson
08:26 29 Apr 22
Fast friendly knowledgeableRebecca was amazing 👏 ❤️
Molly B White
Molly B White
14:08 28 Apr 22
Very helpful
ッiiToobe
ッiiToobe
17:49 18 Apr 22
Friendly and great family-oriented service.
Joshua Kotay
Joshua Kotay
00:04 06 Apr 22
The best insurance I have been with in the Carolinas💜
Kosandra Bates
Kosandra Bates
14:57 29 Mar 22
I Love everyone there.. very loving people... My mom and dad been doing business with the Helms for over 30 yrs...
Bridget Crawford
Bridget Crawford
19:09 28 Mar 22
Very excellent, patient and extremely professional company from our very first conversation. I would most definitely recommend Mr. Helms and his team to everyone I know.
S E
S E
13:51 23 Mar 22
They always have the best rates and the best customer service
Kendra Ware
Kendra Ware
18:10 22 Mar 22
Grate people who cares
Mario Durham
Mario Durham
19:59 07 Mar 22
Curtis Helms Insurance office always finds us the greatest rates with the best Qualified Insurance Companies. Thank you
Mika W
Mika W
14:49 07 Mar 22
The best insurance company in Charlotte NC
Buzz Littlejohn
Buzz Littlejohn
14:39 07 Mar 22
Always super helpful and willing to go the extra mile. They have always been patient and answer any and all questions I have regarding my policies.
Trevor Hanfland
Trevor Hanfland
04:29 04 Mar 22
Very good at communicating about my needs.
TIM LOWERY
TIM LOWERY
16:53 28 Feb 22
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Similar Services We Offer:

Homeowners Insurance

Our homeowners insurance policies provide a crucial safety net that will help you return to normal should your home be affected by a fire or other disaster. At Curtis Helms Insurance, we know how important your home is to you....
Read More

Home Insurance Quotes in Charlotte, North Carolina

Home Insurance Quotes

We can provide several home insurance quotes based on your criteria and coverage preferences. There are three main situations where you would need home insurance quotes. The first is because you are considering homeownership and want to have a ball...
Read More

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Get an Instant Quote for Home Insurance

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Get an Instant Quote for Home Insurance

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Homeowners Insurance

Our homeowners insurance policies provide a crucial safety net that will help you return to normal should your home be affected by a fire or other disaster. At Curtis Helms Insurance, we know how important your home is to you....
Read More

Home Insurance Quotes in Charlotte, North Carolina

Home Insurance Quotes

We can provide several home insurance quotes based on your criteria and coverage preferences. There are three main situations where you would need home insurance quotes. The first is because you are considering homeownership and want to have a ball...
Read More

Homeowners Insurance

Our homeowners insurance policies provide a crucial safety net that will help you return to normal should your home be affected by a fire or other disaster. At Curtis Helms Insurance, we know how important your home is to you....
Read More

Home Insurance Quotes in Charlotte, North Carolina

Home Insurance Quotes

We can provide several home insurance quotes based on your criteria and coverage preferences. There are three main situations where you would need home insurance quotes. The first is because you are considering homeownership and want to have a ball...
Read More