Home Insurance, Charlotte, NC

Posted by Insurance Specialist February 16th, 2022

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, 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
Edward McCollum
Edward McCollum
17:21 20 May 22
Best ever 10+ years with them
chasite hudson
chasite hudson
15:05 06 May 22
This is the best insurance company around I highly recommend there service
Buzz Littlejohn
Buzz Littlejohn
13:13 03 May 22
Great people for auto insurance, that have helped me in so many ways. Always has given me the best rates for auto insurance. Thanks guys.🥰🥰🥰
Peggy Simpson
Peggy Simpson
08:26 29 Apr 22
Very caring , understanding and helpful professionals. My personal gratitude to you all . Thank you very much !!!
Irina Masters
Irina Masters
06:18 29 Apr 22
Fast friendly knowledgeableRebecca was amazing 👏 ❤️
Molly B White
Molly B White
14:08 28 Apr 22
Very helpful
ッiiToobe
ッiiToobe
17:49 18 Apr 22
I have used them since forever and would not use anyone else
Sabrina Jacobs
Sabrina Jacobs
17:20 18 Apr 22
Friendly and great family-oriented service.
Joshua Kotay
Joshua Kotay
00:04 06 Apr 22
They are the best and really are helpful
mrs west
mrs west
14:10 02 Apr 22
The best insurance I have been with in the Carolinas💜
Kosandra Bates
Kosandra Bates
14:57 29 Mar 22
I Love everyone there.. very loving people... My mom and dad been doing business with the Helms for over 30 yrs...
Bridget Crawford
Bridget Crawford
19:09 28 Mar 22
Very excellent, patient and extremely professional company from our very first conversation. I would most definitely recommend Mr. Helms and his team to everyone I know.
S E
S E
13:51 23 Mar 22
They always have the best rates and the best customer service
Kendra Ware
Kendra Ware
18:10 22 Mar 22
Friendly staff great service
Cam Camodadon
Cam Camodadon
04:40 10 Mar 22
Grate people who cares
Mario Durham
Mario Durham
19:59 07 Mar 22
Curtis Helms Insurance office always finds us the greatest rates with the best Qualified Insurance Companies. Thank you
Mika W
Mika W
14:49 07 Mar 22
The best insurance company in Charlotte NC
Buzz Littlejohn
Buzz Littlejohn
14:39 07 Mar 22
Always super helpful and willing to go the extra mile. They have always been patient and answer any and all questions I have regarding my policies.
Trevor Hanfland
Trevor Hanfland
04:29 04 Mar 22
Very good at communicating about my needs.
TIM LOWERY
TIM LOWERY
16:53 28 Feb 22
I've dealt with with this company for years and have had multiple cars insured by them. Never had a problem and they are very nice, professional and makes you feel like you are part of a family
Sylmyles Coleman
Sylmyles Coleman
04:34 26 Feb 22
When I asked him to do something, it is done before I hang the phone up excellent
Timothy Davis Sr.
Timothy Davis Sr.
18:33 16 Feb 22
I have been with them many times over the year's and they are the best of the best you ever can work with Thanks Greg for all you do.
sharita knox
sharita knox
20:52 11 Feb 22
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
michele lefler
22:05 08 Feb 22
They're the best i been with them for a year's with every car i done had and will continue
Tatiana Baker
Tatiana Baker
14:52 03 Feb 22
I've been doing business with Curtis Helms Insurance for several years and their customer service has always been impeccable. The staff treats you like they are working on behalf of their own family members which certainly makes you feel like a part of their family. They find you really great deals that save you money. It is such a wonderful family business that I would definitely recommend.
Manda L
Manda L
16:19 21 Jan 22
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
20:27 19 Jan 22
I got a quote that was far below any of the offers I had been receiving in the mail. The customer service is truly top notch. I think I'm going to like it here!RG
True Trucker 4 Real
True Trucker 4 Real
21:31 12 Jan 22
The best team in the Metro Charlotte area!
DRUCILLA BANKS
DRUCILLA BANKS
19:22 05 Jan 22
I have used Helms Insurance for well over 15yrs. One of the best most personable companies I have ever dealt with. Helms and Insurance is not only very professional, but Helms Insurance always make you feel special!!!
Network Power
Network Power
00:11 23 Dec 21
Greg was my insurance agent. He was great and very professional. He explained to me the policy I was getting. The team their were friendly too.
zuwena maddox
zuwena maddox
15:28 20 Dec 21
Received the best quote yet in minutes. Would recommend
Lorenzo Wiley
Lorenzo Wiley
19:08 16 Dec 21
Rebecca was pleasant & knowledgeable about quotes & dmv history. Her phone personality was excellent.
Tina Caldwell
Tina Caldwell
15:43 06 Dec 21
Best service in Charlotte!
Patricia Johnson
Patricia Johnson
16:36 01 Dec 21
Curtis Helms Insurance Company is the only company that my "ENTIRE" family has ever used. I have been with this company since I was 16 with my first car, now I'm 50. Curtis, Mrs. Betty and his entire staff are the BEST HANDS DOWN.
MJW_4430 Mz. Scorpio
MJW_4430 Mz. Scorpio
20:49 18 Nov 21
This Agency is awesome. Chris is a GREAT GUY!!! I'm new to Charlotte, NC and he told me the steps over the phone to help me get NC plates and a Drivers License. He even helped me get new renters insurance for my new apartment. The receptionist is also friendly and helpful. Lets be honest, Insurance isn't the happy happy fun time thing to deal with, but Chris and his agency make getting it fast and easy!!!
Buckdodgers1906
Buckdodgers1906
20:19 18 Nov 21
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