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 family oriented insurance company.
Tweet King
21:28 12 Dec 24
Very Professional, Great to work with
Bill Chakra
19:13 12 Dec 24
Great and trusted company!!!! I have used them for myself and my clients for the past five years!!
kesete Adonay
17:36 11 Dec 24
I dealt with Greg at Curtis Helms Insurance. He was very patient and did a thorough job in procuring my new auto policy
David Adams
16:05 11 Dec 24
Mrs. Rebecca always helps with my auto insurance needs! Thank you for always getting me a great rate!
Astrid Patrice
22:56 10 Dec 24
Great company I would recommend good people to this company
jeremiah gibson
21:20 10 Dec 24
Been great working with this company. Very helpful when we needed some assistance for a younger driver with challenged driving history.
Jay Pass
17:04 10 Dec 24
Really polite
Christopher Cawthorne
20:55 09 Dec 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 and renters insurance!!!🥰
Dawn Alexander
02:01 07 Dec 24
My hold family have car insurance with Mr. Curtis Helm & family’s. Best insurance company ever!! Much love!!
Marilyn Biggers
16:45 06 Dec 24
Grate people who cares
Mario Durham
21:37 04 Dec 24
I’ve been with Helms Insurance for 7 years and Greg has always been great!
William Millikan
18:18 04 Dec 24
Been with Curtis for 20 years+ best in the business
Juston Curry
16:32 27 Nov 24
Love them, been with them for over 20 years
DianeChermain SorycEsetok
21:55 26 Nov 24
Professional.
Tony Martin
16:16 26 Nov 24
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
15:38 26 Nov 24
I was worried about getting insurance because i have points on my licenses but Greg had me smoothered and covered. Greg took care of me from beginning to end at eases and a better rate than anyone i called. I look forward to doing business with Curtis Helms insurance
meka burgin
21:17 22 Nov 24
Such friendly staff! Always super helpful, positive and upbeat!
Deanna Alonso
16:10 21 Nov 24
Great Customer Service
Phyllis Cooper
22:02 15 Nov 24
Greg was very helpful and I was able to handle everything over the phone and quite efficiently, I might add. Excellent service.
Mark Hatfield
16:15 14 Nov 24
They contact me when premium increases and offer alternatives.
brenda whitman
23:36 08 Nov 24
Chris was very helpful and hospitable. It was time for him to go home and he stayed behind to help get me insured. I’m forever grateful, definitely recommend!
shaquill nelson
22:54 08 Nov 24
Curtis Helms Insurance provides the best affordable coverage possible for your money. They have professional staff that has assisted me over the years with pride about their services! I'm extremely contented in being their valued long time customer,
Katherine Goodman
03:00 07 Nov 24
Friendly staff and efficient. Been helping my family and friends for close to 10 years I always recommend Curtis Helms
Antwanett Watson
14:40 04 Nov 24
They Are Great
Denise Gaddy
13:23 04 Nov 24
Helps find the cheapest insurance
Babii De
18:43 01 Nov 24
This company will find and fix any problems on your policy. They will also give you a call to make sure you're satisfied
Lothario Whitley
18:17 01 Nov 24
Curtis Helm Insurance has bern my agent for many years for home and auto. They regularly review my accounts and see if I can save money. They are very responsive any time I call. I recommend their service highly.
Cathy Pleitez
18:37 31 Oct 24
I just Love the Curtis Helm Family! They are more than just an insurance agency. They are more like family that has always had my best interest with my insurance policies for over 16 years. I highly recommend them for you and your family.
Shanda Kneece
19:50 28 Oct 24
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 !
Thea B
18:36 25 Oct 24
I want say this business has always help and find a solution to help and very nice friendly I love themThanks so much for allY’all do
Chris Hanks
20:19 24 Oct 24
Love them all, great people, lot of years with them and not changing them.
Veronica Rosa
20:06 22 Oct 24
Great Service, a real family feel -- been with them for years.
Danielle Farmer
20:08 21 Oct 24
I love this company. It's family owned and operated by professional people. I have been with them for more than 25 years. They take care of their customers. They are very friendly and caring.
Paulean Gray
14:10 21 Oct 24
ONE OF CHARLOTTE BEST ASK FOR GREG😃😃
Ayana Foster
19:07 18 Oct 24
Very good service
Z Wallace
15:18 18 Oct 24
Customer service is awrsome
Julie Earley
19:20 16 Oct 24
Chris Helms stands on business. I would definitely recommend them to any of my friends and family for business. 💯
Aaron Davis
17:30 16 Oct 24
They’re simply awesome always have been able to find me the best quotes and a low prices on my high in vehicle. Thanks so much for your services Curtis Helms Insurance !
Denisha Jones
14:23 15 Oct 24
Great experience with good deals!
Hasaan
16:34 11 Oct 24
Great and helpful staff members
Jill Jill
13:27 11 Oct 24
Extreme patience with excellent customer service.
CLG
19:11 10 Oct 24
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