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Home Insurance, Charlotte, NC

Home > Home Insurance, Charlotte, NC

Protect one of your biggest investments – your house – with the right home insurance policy.

Do you own a home or vacation home in Charlotte? 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 in Charlotte? Contact us to get an instant quote.

Check Out Some Of The Reliable & Affordable Insurance Solutions We Provide Our Charlotte Clients

Home Insurance

Home Insurance Coverage That Protects Your Family and Your Peace of Mind

Whether you own a single-family home, townhome, row home, or even a condo, you need home insurance to protect your investment.

Life Insurance

Comprehensive Life Insurance Plans to Protect the People Who Matter Most

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

Commercial Insurance

Commercial Insurance Coverage Designed for the Unique Needs of Your Organization

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

Get a Fast and Free Home Insurance Review to Maximize Your Coverage

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 house 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.

 
Excellent
4.9
Sidney Rogers
Sidney Rogers
Always pleasant and delightful.
Response from the owner: Thank you for the 5 stars, Sidney!
Darryl Pharr
Darryl Pharr
My father took me here over 30 years ago now I am taking my son's they are just like family Mr. Curtis knows all his customers by first name bases keep the good work up .
Djerah Kouakou
Djerah Kouakou
Best agent, great customer service
Response from the owner: Thank you, Djerah! We are thrilled that you think so highly of our service, and we will continue working hard to find you the best rates and coverage. Give us a call with questions anytime!
Aneisa Woodcock
Aneisa Woodcock
Quick easy best quote I got in a while. They are fast with what they do costumer service is excellent
Response from the owner: Thanks for the great review, Aneisa! Customer service is something we focus on every day.
Light Subterfuge
Light Subterfuge
Best insurance agency in town!!
Response from the owner: We appreciate you taking the time to share this! It was great working with you, and we truly value your business.
Chatika Price
Chatika Price
Most pleasant and knowledgeable person that works in your favor to help get you the products you need. Highly recommended!
Response from the owner: Wow, Chatika! This comment means so much to us, and we couldn't be happier to know how pleased you've been with our services. Thank you very much for sharing your encouragement today.
David Riley
David Riley
Always professional- Rebecca
Response from the owner: Thank you for this wonderful feedback! We care deeply about the service we provide to our valued clients, so we are thrilled that our team's professionalism has stood out. Please don't hesitate to give us a call if we may answer any questions related to your coverage!
Shakaya
Shakaya
Greg helped me find the best quote very professional and outstanding customer service
Response from the owner: Shakaya, thank you for taking the time to share a shout-out for Greg. We are thrilled that he was successful in finding you a quote that fits your needs! Please give us a call with questions anytime.
Jose Melendez
Jose Melendez
Great customer service.Very helpful. Highly recommend them. Have had them over 5 years.. Great company.
Response from the owner: Thanks for the great review and recommendation, Jose! We're so glad you appreciate our services!
Jelah Long
Jelah Long
Best customer service. Best quotes and I’ve used them for myself and my family for years. Just amazing!
Response from the owner: We couldn't be happier to hear this, Jelah! Thank you for being such a loyal client and sharing about our unbeatable service and quotes. We look forward to continuing to serve you!
karlito calledwell
karlito calledwell
Fast fast good service
Response from the owner: Thanks for giving us 5 stars, Karlito! Much appreciated.
Tim Lowery (National Service Corp LLC)
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!
Bernadette N. Pickett
Bernadette N. Pickett
Curtis Helms insurance is the Best absolute best. Their Customer service skills or rather I must say Customer Care services that they provided is phenomenal. This is a new insurance for me and my husband. It was Highly recommended to by A friend. The process was easy and fast and fun. Miss Catherine Is amazing. So if you’re looking for a nice (Family) orient Place or your Auto And home or any other Insurance) I highly Recommend Curtis Helms Insurance.
Response from the owner: We are so grateful for your 5-star rating! It was a pleasure assisting you, and we’re just a call away if you need anything else.
Edward McCollum
Edward McCollum
Great Company and people
Response from the owner: Thanks, Edward! We appreciate your business.
tiffany mcintosh
tiffany mcintosh
Was very helpful an affordable would recommend them u will not be disappointed 💯
Response from the owner: We are so grateful for your 5-star feedback. Thanks for your business!
Pamela Ash
Pamela Ash
After one of the most frustrating insurance experiences I've ever had, I finally found an agency that truly wanted to help. Another insurance company unexpectedly doubled my premium, and I was stressed and overwhelmed.The team at Chris Helm Insurance was incredibly fast, took the time to listen, answered all of my questions, and found me a much better option. Insurance isn't cheap these days, but honesty, professionalism, and outstanding customer service still matter.They treated me like a person instead of just another policy number, and I genuinely appreciate everything they did. I highly recommend Chris Helm Insurance to anyone looking for great service and people who truly care.
Response from the owner: Thank you for choosing us, Pamela! We are delighted that you had a seamless experience and look forward to your next visit.
Melissa Smith
Melissa Smith
They are a blessing to everyone, so kind and helpful, God bless them all!
Response from the owner: We appreciate you taking the time to share this, Melissa! It was great working with you, and we truly value your business.
Ebuka Chuba
Ebuka Chuba
Chris and The Curtis Helms staff is great. My family has been using them for years now and they’ve alwalys gone above and beyond to ensure a great policy.
Response from the owner: We truly appreciate your feedback! It was a pleasure providing your service, and we’re always here when you need us.
Ella Griffin
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.
Thomas Hilgardner
Thomas Hilgardner
Katherine helped me with auto and home moving to NC from out of state and I’ve been very pleased with their service
Response from the owner: Thanks for the 5 stars, Thomas! We're glad you had a great experience.
Coco Bee
Coco Bee
Great customer service, fast response time, and great quotes
Response from the owner: Thank you for leaving us a great review, Coco! We're glad we could be of service to you.
Shirley Redfearn
Shirley Redfearn
I have always had good results! Good customer service!
Response from the owner: We're glad we can always help you get good results! Thanks for the five-star review, Shirley.
sherry anthony
sherry anthony
Curtis Helms has been my car insurance agent for so many years Mr and Mrs. Helms treat me like family and i love them so much, if I have any issues I call Rebecca or the son. Love you Curtis Helms insurance Agency
Response from the owner: We truly appreciate your ongoing support, Sherry! Working with fantastic, long-term clients like you makes our job incredibly rewarding.
James Adams
James Adams
Great family business really good people
Response from the owner: James, your compliments mean so much to us. Thank you for sharing how impressed you have been with our team! Whenever you have questions related to your insurance coverage, please be sure to let us know and we'll be happy to assist you.
Demika Wallace
Demika Wallace
Hands down Helms Insurance is the best in the state. The family owned company always offers affordable rates and a variety of coverage to fit your needs. Staff is always professional and treats everyone like family. Helms insurance has been my insurance provider for over 25 years and will remain.
Response from the owner: We are thrilled by your exceptional rating, Demika! Thank you for indicating what confidence you have in our services. Whenever you have insurance-related questions that we may answer, please don't hesitate to reach out!
Almadelia Sanchez Gonzalez
Almadelia Sanchez Gonzalez
They have great customer service!! And shout out to Rebecca she has been such an amazing help getting my insurance coverage! Five ⭐️⭐️⭐️⭐️⭐️
Response from the owner: We're glad we could help with your insurance needs! Thanks for the kind review.
Marcella Ley
Marcella Ley
Very curtious and knowledgeable, the best ever.
Response from the owner: Thanks for giving us five stars, Marcella! We appreciate your feedback.
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