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!

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

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.

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 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.

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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 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

Phillisia Bonneau

They are great to work with. Very helpful staff

Response from the owner: Thanks for the five-star review! We appreciate your feedback.

brayden honaker

Great quick service. Will be moving more over to them.

Robin Bacote

Awesome customer service!

Response from the owner: Thanks, Robin! We appreciate you!

Tamika Briscoe

Katherine is the absolute best! Hands down!!

Jack Daniels

Remarkable customer service!

Response from the owner: Your feedback means a lot to us, Jack! We strive to provide outstanding service when you reach out to discuss your insurance needs, so we are thrilled you've received just that. Thank you for sharing!

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.

Thea B

Curtis Helms Insurance,They are Awesome!!! A professional family business. I was encouraged to get a quote by a family member in '09 and been with them ever since. Sending everyone that ask for recommendations on insurance there way. Give them a try!Definitely Wonder WorkersThank you !Thank you !Thank you !

Response from the owner: Oh wow, Thea! We can't thank you enough for the kind words. We really appreciate all the referral business you bring our way!

Jose Melendez

Great customer service.Very helpful. Highly recommend them.

Response from the owner: Thanks for the great review and recommendation, Jose! We're so glad you appreciate our services!

Catherine Goodwin

Got the greatest help in the lowest prices through Curtis Helms. I will be a customer of theirs for life!

Response from the owner: Catherine, we work hard to find our customers the best rates for their insurance needs, so we are thrilled that you've received just that! Thank you for your loyalty and for sharing such high praise today.

Cathy Goodwin

Best personal experience and help with Insurance of anywhere I’ve worked with!

Response from the owner: We're glad you were happy with our service! Thanks for the five-star review, Cathy.

k mill

Very king and helpful

Response from the owner: Thank you for the kind words, K!

Kim Reilly

Amazing. Period

Response from the owner: Thanks for giving us five stars, Kim! Call us whenever you need insurance help.

Crystal Johnson

The team worked very hard to get me the best quote for my family. Greg Alex and the young lady (sorry I forgot your name) but you all shined in assisting me

Response from the owner: Your review means a lot to us! Thanks for the feedback, Crystal.

Latravian Collins

Great people, with great customer service

Response from the owner: Thank you, Latravian! It means a lot to know you think so highly of our team and the services we have provided. Whenever you have questions about your insurance policies or need any other assistance, please don't hesitate to let us know.

Tyrone Duncan

Excellent insurance company. Very polite friendly and knowledgeable.

Response from the owner: Tyrone, your kind words for our friendly and knowledgeable team mean so much to us! Thank you for taking the time to give us your stamp of approval.