Home Insurance, Charlotte, NC

Posted by Insurance Specialist February 13th, 2024

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, 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.

 
Great company
jeremiah gibson
jeremiah gibson
20:01 11 Jul 24
I been a customer for over 10 years/ real lovely people and the best insurance quotes in town I highly recommend
Turn Up Queens Jaso&Nikki
Turn Up Queens Jaso&Nikki
20:55 09 Jul 24
I've been a client of curtis helms for over 5yrs now and I love this agency it's like a family they're always helpful when I need them
Shante Jackson
Shante Jackson
21:37 08 Jul 24
Been with Curtis for 20 years+ best in the business
Juston Curry
Juston Curry
13:18 03 Jul 24
They are great Best in the city
Calvin Biggers
Calvin Biggers
19:19 02 Jul 24
Amazing
ZMan Xander
ZMan Xander
17:11 02 Jul 24
Greg and staff are very professional...
Miz Saliq
Miz Saliq
13:23 02 Jul 24
Knowledgeable, quick to reply, friendly!
Lindsay
Lindsay
07:11 02 Jul 24
He was very professional and quick and fast
Peanut
Peanut
16:55 30 Jun 24
I was too much satisfied with your services. Please keep it up!!!
WILLY FRANCK TONYE
WILLY FRANCK TONYE
19:20 28 Jun 24
Been there for years good service
Phyllis Mckinney
Phyllis Mckinney
21:23 27 Jun 24
Great people . Work with you. Awesome
chad lyles
chad lyles
06:57 27 Jun 24
This is the best insurance company around I highly recommend there service
Buzz Littlejohn
Buzz Littlejohn
19:42 26 Jun 24
Great Customer Service
Phyllis Cooper
Phyllis Cooper
16:06 21 Jun 24
Curtis helms is amazing and Always on time
Atiya Hill
Atiya Hill
18:44 19 Jun 24
Great service!! Fast at getting you a quote & getting policy started. Thanks Chris!!!
Octavia Thomas
Octavia Thomas
19:34 18 Jun 24
Very friendly, They are very helpful when I have any problems. I thank them so much for what they do.
Melina Stanton
Melina Stanton
19:25 18 Jun 24
You guys are one of the best insurance companies around, my whole family and friends have deal with you all for years, keep up the good work 👍
Penny Grissett
Penny Grissett
17:56 18 Jun 24
Everyone in this office is so helpful and friendly. I recommend them to everyone.
Sandra “Sandi” Evans
Sandra “Sandi” Evans
14:38 18 Jun 24
Great insurance company. Accurate and on point
karlton caldwell
karlton caldwell
18:24 15 Jun 24
Thank you so much
Shawanna Watson
Shawanna Watson
18:57 13 Jun 24
Timely and helpful.
oretha pearce
oretha pearce
18:48 13 Jun 24
Professional friendly nice very welcoming
Theodore Wallace
Theodore Wallace
16:07 13 Jun 24
Customer service is awrsome
Julie Earley
Julie Earley
19:54 12 Jun 24
Good customer service.
Kathleen Murray
Kathleen Murray
18:44 07 Jun 24
Great company. Great people. I’ve had insurance with Curtis helms for almost 20 years.
Shauntavia
Shauntavia
18:36 07 Jun 24
My experience is and has always been great..Mr Curtis set a standard that the team follows..
Michelle Moore
Michelle Moore
14:14 07 Jun 24
Absolutely outstanding! I have been a loyal customer over several years and i have not one complaint. I love the Curtis family and i will forever be apart of them! Great service and prices you can’t deny.
Keanshay Mack
Keanshay Mack
21:27 05 Jun 24
Amazing company and very reasonable prices for insurance
kiana harris
kiana harris
18:55 04 Jun 24
Great staff. They are efficient and kind and they get you the help you need in no time at all.
Princess Masukume
Princess Masukume
14:24 31 May 24
It’s a great insurance company all the workers treat you like family
ARTAVIUS MYERS
ARTAVIUS MYERS
21:26 29 May 24
Great customer service.Very helpful. Highly recommend them.
Jose Melendez
Jose Melendez
13:20 29 May 24
Always professional service!Thank you so much
VanTara Burney
VanTara Burney
18:41 28 May 24
Worked with Alex for a smooth transition.
Calvin Moore
Calvin Moore
17:26 28 May 24
Right on time.
melvin quick
melvin quick
18:02 24 May 24
Nicest people you will ever meet. Have been doing business with them for 12 years. Always get me the best rates . Thank you all
Bonnie Thomas
Bonnie Thomas
12:13 24 May 24
Wonderful experience working with the Curtis Helms Team!
Crystal Perry
Crystal Perry
18:53 19 May 24
Great customer service! We ended up changing all of our policies over to Curtis Helms. He provided us quotes with multiple options right away and followed up to make sure we understood them. The transition was seemless
Dawn Minutole
Dawn Minutole
22:29 10 May 24
I recommend Curtis Helms Insurance company to EVERYONE! I have been with them for so many years they are great always treats you like family 😊 and helps you get the best policy
josephine lopez
josephine lopez
15:01 09 May 24
I've been using Curtis Helms for over 20 years. I always refer family, friends, or anyone who is looking for insurance.
David J. Jones
David J. Jones
11:50 09 May 24
It was nice
Lasana Oye
Lasana Oye
02:54 04 May 24
I left and now I am back great prices and good customer service!!!
Raye Martin
Raye Martin
22:21 03 May 24
Have been dealing with them for years and they have always been very helpful. I would highly recommend to anyone
Renee Fetherson
Renee Fetherson
18:57 26 Apr 24
I have dealt with the Helms for years, they are like family!!! They are great!!
Tamara Jones
Tamara Jones
17:56 26 Apr 24
Excellent service always if I have a need or service changes they are there to work for me deligent. Thank you Alex and Curtis.
Evelyng Corea
Evelyng Corea
19:37 19 Apr 24
Chris Helms stands on business. I would definitely recommend them to any of my friends and family for business. 💯
Ravenous Ike
Ravenous Ike
19:42 18 Apr 24
Very friendly and helpful
Julia Pagan
Julia Pagan
19:16 15 Apr 24
Love them great customer service!!
Loshica Morris
Loshica Morris
16:35 05 Apr 24
Greg and the team always helps me out and he answers the phone always with Hey Cierra and it makes me feel like a valued customer. Great place friendly people
Cierra Wilkes
Cierra Wilkes
15:20 04 Apr 24
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.
Alesia Jones
Alesia Jones
15:12 04 Apr 24
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