For most people, their home is their most important investment. Whether you own one home or own multiple properties which are rented, we know you trust Gardner Insurance Agency to find you competitive prices to cover your investments. Our insurance specialists, above all, provide you with the security that comes only from the knowledge that your home is properly insured. Homeowners insurance doesn’t have to be confusing. Most Homeowners policies will cover the following:

1. The structure of your home
2. Replacement costs
3. Personal possessions (up to a set limit)
4. Living expenses in case of a disaster
5. Liability

You can also add supplemental policies such as:

1. Valuable Articles/Floater policies (i.e. Jewelry Insurance)
2. Flood policies
3. Earthquake policies
4. Umbrella policies (additional liability)
5. Animal Liability (liability issues due to household pets)