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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
Sabrina Jacobs
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
Keltrina Henderson
Family owned for years .low rates.
Amber Williams
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.
Drucilla Banks
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.
Henrietta Mcgill
Henrietta Mcgill
Flore _
Response from the owner: Thanks for giving us 5 stars, Henrietta!
Evolution 2.0
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
Alex Nary
Fast, simple and very supportive
Melinda Ratchford
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.
Bruce Watson
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)
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
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
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
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
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
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
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
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
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.
Iván Carrieri
Iván Carrieri
Friendly staff, great service and good people! Also great pricing!
Response from the owner: Thank you for leaving such a fantastic review! We loved working with you ⭐
Latonya Evans
Latonya Evans
I have been with the Helms family for a few years their very friendly and helpful I enjoy doing business with Curtis Helms.
Response from the owner: Thanks for the 5-star review, Latonya!
Angela Arredondo
Angela Arredondo
Always have your best interest at heart.
Response from the owner: Thank you for your review, Angela and for your kind words!
Ariel Jones
Ariel Jones
They are great love them been with them for years.
Response from the owner: Thanks for the five-star review, Ariel! Call us if you need insurance help.
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 K Kudekor
Djerah K Kudekor
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!
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