Services
Home Insurance
Flexible Plans for you and your family! Our main insurance services include Homeowners Insurance and Auto Insurance. However, we offer many products that, when combined with your existing insurance policies, can save you even more money. Ask your Gardner Insurance agent about multi-policy and multi-car discounts or call for a FREE quote on one of our other low-cost products. Read more about our home insurance here.
Condo Insurance
Did you know that most condo association policies have limited coverage? This policy is tailored to the unique needs of condo owners and can include coverage for: personal property, personal liability, guest medical protection, and much more! Read more about our condo insurance here.
Mechanical Breakdown Insurance
For our customers who are considering the purchase of a new/used vehicle. CALL your Gardner Insurance Agent FIRST! We can quote you an extended warranty for your new or used vehicle that will cover many claims/breakdowns after the factory warranty has expired. Read more about our mechanical breakdown insurance here.
RV, WaterCraft, Boats, ATVs Insurance
Our companies offer excellent optional coverages that ensure your family's fun “toys” have the right kind of coverage for your needs. Most of the fun activities associated with these types of “vehicles” involve some risk, (i.e. liability) so our agents look to the important liability
coverage and property damage components of the policy. If your family's “toys” are already insured somewhere else, be sure to call for a policy review today! Read more about our RV/Autocraft insurance here. Landlord Protection
If you're a landlord, it means that you rent you valuable property to others. Whether your rental property is meant to help your retirement or provide monthly income, you need to be protected as a landlord. Our Landlord Protections policies cover your property against perils like fire and vandalism as well as providing comprehensive liability protection in the event that someone gets hurt on your property. The needs of a landlord are different than those of a homeowner and our experienced agents can provide you with special coverage that will protect your rental property and your family's assets. Read more about our landlord insurance here.
Policy Reviews
Whether you are insured with our office or with another company, Gardner Insurance Agency's unique Policy Review program gives you the opportunity to learn about your current insurance policies. Read more about our policy reviews here.
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Personal Auto Insurance
The law may require you to have liabiltiy insurance, but our agents can provide you with so much more. Like most residents of Southern California, you likely drive everyday. This means that your risk of accident, property damage, injury and theft can be fairly high. You need an auto policy that protects your family from every angle. Our companies have the most competitive rates in the business and you can be sure that our agents will be searching for every discount you deserve. Our trusted auto insuarnce agents are here for you and your family when you make a claim, have a question, need advice regarding your children on your policy or buy a new car! Read more about our personal auto insurance here.
Renter's Protection Insurance
If you rent a house, condo or apartment, you have your own unique set of insurance needs. What if there is a fire? You may not need to replace your home but what about all of your possessions and valuables? Call your Gardner Insurance agent today for a FREE quote on this important coverage. Read more about our renter's insurance here.
Earthquake Protection Insurance
Do you know that your homeowners insurance policy doesn't likely cover earth movement? Most of our policy holders live right here in “Earthquake Country” where “the big one” threatens us several times per year. Our experienced agents can help you learn more about this important coverage.Read more about our Earthquake insurance here.
Flood Insurance
Like earth movement, your homeowners insurance policy doesn't likely cover the peril of flood. Flood insurance can be, in certain circumstances, required by mortgage lenders. In other cases, it is an optional coverage which protects your home in the event of a flood. Depending on where your home is located – Near the coast, a river, dam or water source – one of our agents can work with the National Flood Insurance Program to gain you the best rate and coverage. Read more about our flood insurance here.
Umbrella Insurance
Umbrella Insurance – We Californians are used to rampant lawsuits. But what if YOU were held liable in a lawsuit? Would your liability coverage on your homeowners insurance policy cover the judgment? For customers whose estate is valued at higher than their liability coverage, our agents are trained to give quotes and direction to ensure that you are adequately protected. For a very reasonable price, you can add $1 million in excess coverage. Read more about our umbrella insurance here.
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