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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
Tim Lowery (National Service Corp LLC)
Tim Lowery (National Service Corp LLC)
Very good at communicating about my needs.
Response from the owner: Thanks for taking the time to review us, Tim!
Soosha Gourrier
Soosha Gourrier
Rebecca was great and polite.Im thankful she was able to get me reasonable coverage for my vehicle!
Sylmyles Coleman
Sylmyles Coleman
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
Response from the owner: We're happy we make you feel like a part of our insurance family, Sylmyles! Thanks for leaving us such a positive review.
Devan Hudson
Devan Hudson
I've been dealing with Curtis Helms insurance for about 5 years. Greg is my man to go to, to get me the best bang for my buck. He's gone through quite a few companies to get what I need for my Auto insurance. Highly recomend.5 stars across the board. Everyone is so helpful and takes the time to discuss all my options before I bought my last policy.
Response from the owner: We appreciate the 5-star review, Devan!
Katie Hall
Katie Hall
Curtis Helm’s team checked several insurance companies for my car insurance and got back to me with a great quote for the year, saving me a lot of money$$$$.Home owners insurance was also a savings! Would highly recommend to have them check around, especially if you haven’t in a few years, mine kept inching up, plus an “incident” that wasn’t my fault was listed on my old insurance that made it go up.
Rashid
Rashid
Wow fat Brady clear and comfortable. Thanks dude
dyana Bradley
dyana Bradley
Everyone is always so kind and professional.
Response from the owner: Thank you, Dyana! It's incredibly uplifting to know how much our team's friendly, professional assistance has impressed you, and we are here to answer any questions you have about your insurance coverage. Give us a call anytime.
Andrew Waite
Andrew Waite
Always professional friendly and courteous.
Olivia Salas
Olivia Salas
Great customer service, very helpful and patient
Response from the owner: Thanks for giving us a great 5-star review, Olivia! We appreciate you!
Melina Stanton
Melina Stanton
Very friendly, They are very helpful when I have any problems. I thank them so much for what they do.
Response from the owner: Thanks for giving us 5 stars, Melina!
Phyllis Cooper
Phyllis Cooper
Great Customer Service
Response from the owner: Thank you, Phyllis! We love having you as part of our insurance family!
Von Davis
Von Davis
I had the same insurance agency for over 20 years Hi Curtis/Chris.....my whole family and alot of our friends use this same agency
Response from the owner: Thanks for the great review, Von! We're sure grateful for loyal customers like you!
Brandon Hunter
Brandon Hunter
Great!!
Candida
Candida
feel good
Response from the owner: Candida, thank you for sharing such positive feedback. It's gratifying to know you've found our assistance to be worthy of 5 stars, and we will continue working hard to find you the best coverage for your needs. Reach out anytime.
Catherine Southerland
Catherine Southerland
Very knowledgeable and experienced!
Response from the owner: We're glad we could put our knowledge to work for you! Thanks for the five-star review, Catherine.
Deajha Phifer
Deajha Phifer
The best in town
Response from the owner: Thanks for giving us five stars, Deajha! We appreciate your feedback.
Stephane “Fonzo” Jerome
Stephane “Fonzo” Jerome
Very informative and convenient great staff
Response from the owner: Thanks for giving us 5 stars, Stephane!
Alton Hunnicutt
Alton Hunnicutt
I’ve been a customer a few years. I’ve never had any issues and customer service is excellent.
Response from the owner: Your review means a lot to us, Alton! Thanks for giving us five stars.
Sincere Hunter
Sincere Hunter
Me and my family (mom, dad, brother, sisters) have been dealing with Curtis helms for years and I love the entire company, they're very nice, polite and respectful, just all around GREAT people who do GREAT business and treat you like family...
Response from the owner: Thanks for the 5-star rating!
Tiffany Talbert
Tiffany Talbert
Been with them over 20 years they are great people
Response from the owner: Thanks for the 5 stars! We really appreciate your business and your ongoing support.
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.
Ace Love
Ace Love
The best
Response from the owner: Thank you for the 5 stars!
Mariana
Mariana
Always so fast to spend me the information that I need
Response from the owner: Thank you for the 5-star rating! We are so grateful for your trust in our business and our team.
Mildred Tate
Mildred Tate
Exceptional Service
Response from the owner: Thank you for the 5-star review! We hope to have the opportunity to assist you again the next time you need us.
Martin Flores
Martin Flores
I had a great experience with Curtis Helms Agency. They helped me get insurance set up for vehicle quickly and took the time to clearly explain my coverage options and what they had to offer. They were professional, responsive, and made the entire process simple and stress-free.What stood out to me most was how personable they were. They worked with me quickly whenever I needed assistance and even took the time to wish me a happy birthday, which was a really nice personal touch. You can tell they genuinely care about their customers. I would definitely recommend Curtis Helms Agency to anyone looking for reliable, friendly, and professional insurance service.
Response from the owner: We sincerely appreciate the 5 stars! Our team works hard to make sure every client is taken care of, and it is wonderful to hear we accomplished that for you.
Julie Earley
Julie Earley
Customer service is awrsome
Response from the owner: Thanks for giving us 5 stars, Julie! We really appreciate it!
Alesia Jones
Alesia Jones
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.
Response from the owner: Thanks, Alesia! We appreciate your kind words. If there's anything we can do to earn that 5th star, please let us know!
N B
N B
Always a good service provided and I always recommend and refer others to come here.
Response from the owner: We really appreciate your 5-star review! Thank you for your support!
tania pozo
tania pozo
Rebecca is amazing!!!! All the way around!
Response from the owner: Thanks, Tania! We're so glad we could help you get a great deal!
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