Home Insurance, Charlotte, NCPosted by Insurance SpecialistFebruary 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.
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.
“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!”
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 insurance company, helped me with insuring my new home after closing.
Omari Bookal
14:37 04 Oct 24
Great Company ! cheap options as well !!
Amaya Wallace
16:12 03 Oct 24
Greg was awesome, great price, great service
Ferdinand The Bull
17:32 01 Oct 24
Great customer service, fast response time, and great quotes
Coco Bee
18:05 25 Sep 24
LOVE MY INSURANCE AGENT ALWAYS HELPFUL
Shelley Mitchell
13:49 24 Sep 24
Very good service
Z Wallace
16:35 23 Sep 24
Very informative and convenient great staff
Stephane Jerome
21:03 19 Sep 24
Awesome customer service!
Robin Bacote
15:15 19 Sep 24
Great customer service, very helpful and patient
Olivia Salas
20:27 18 Sep 24
Salesman Greg was patient he also found the best policy I applaud this insurance company.
M Johnson
23:37 13 Sep 24
Chris was great! Very helpful, I reached out to him months ago but he suggested that I wait to do my insurance swap at a later time to save me money. I so appreciate an honest person who looks out for me and my family. Chris and his agency will have all my support and my business.
Ken Nanney
16:49 13 Sep 24
Made first time insurance shopping an easy process, will be going through them again.
Deonie Douglas
16:05 12 Sep 24
Customer service is awrsome
Julie Earley
15:28 12 Sep 24
Very smooth transaction.
hassan razavi
14:55 12 Sep 24
The customers service agents are kind,Professional and demonstrate patience..not rushing to get you off the phone..very informative..
T L
23:32 10 Sep 24
Great company to work with! Fast and easy
Matt Underwood
17:58 10 Sep 24
Friendly staff and efficient. Been helping my family and friends for close to 10 years I always recommend Curtis Helms
Antwanett Watson
16:58 10 Sep 24
Amazing customer service. Greg always takes the best care of me! He shops for the best deal and makes sure I understand the policy!
Bethany Raborn
18:47 09 Sep 24
Great insurance company to work with
Michelle Miller
16:54 09 Sep 24
Greg V is the best I been with Curtis Helms for decades the best in town. Always quick responses and they really going to make it happen thank you for providing insurance to me and my family for years.
Tiara Williams
12:42 06 Sep 24
My family has been utilizing the Helms insurance company for over 15 years and they have never let us down.
Culture Couture
17:11 04 Sep 24
Great Customer Service
Phyllis Cooper
16:05 04 Sep 24
Curtis Helms agency has always made everyone feel like family. They know you by name and your children and grand children very personable. I love it. 🤗❣️❣️❣️ Greg did a excellent job helping me thanks Greg.
Yvette Hines
01:06 31 Aug 24
Fast and accurate
karlton caldwell
20:49 27 Aug 24
Very friendly folks, always top notch customer service. Saved me a ton on auto insurance. I couldn't be more the pleased with this group.
Reggie Propst
18:36 27 Aug 24
The best insurance company. Very knowledgeable courteous and for the people . I recommend 💯
Nadene Mckenzie
18:31 27 Aug 24
I had the same family for my insurance agency for over 20 years Hi Curtis/Chris
Von Davis
16:39 27 Aug 24
Very friendly and professional. Has the cheapest insurance in Charlotte
Angela Shuford
21:25 26 Aug 24
Very helpful and courteous.Thank you, Katherine!
W Bell
20:26 23 Aug 24
The Helms Insurance Company has always been a help to me. Answering many questions with clarity, giving options to choose from, understanding needs, and great communication. Thanks Greg and Helms Insurance!
Phil T
19:00 23 Aug 24
The staff was so friendly and patient with me! They were very knowledgeable with the different options I could choose from regarding payment plans! The prices were really reasonable! Thank you for a wonderful experience in helping me get my NC car insurance!!!🥰
Dawn Alexander
16:32 23 Aug 24
I left and now I am back great prices and good customer service!!!
Raye Martin
13:57 22 Aug 24
Great people . Work with you. Awesome
chad lyles
12:52 22 Aug 24
Always handles our insurance needs quickly and great prices!
Dennis Lowery
16:38 21 Aug 24
Very informant and very helpful and will recommend, thank you so much.
Judy Dawkins
19:24 20 Aug 24
Very caring , understanding and helpful professionals. My personal gratitude to you all . Thank you very much !!!
Irina Masters
15:29 20 Aug 24
They will get the job done within a few minutes
lashae weeks
17:46 19 Aug 24
Always very helpful and gets the job done
Lakesha Santana
17:17 19 Aug 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
16:34 19 Aug 24
The best people to have helping and dealing with your auto coverage. Wonderful company. I've been with them over 30 yrs. Can't imagine not having Curtis helms insurance on my side
michele lefler
14:28 19 Aug 24
Awesome service in the Charotte area!
John Apsega
17:53 16 Aug 24
Courteous and professional expedient service.
Gregory Cobb
15:19 16 Aug 24
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