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Types of Home Insurance Offered by Gardner Insurance:

Basic Protection Needed:

•  Your home

•  Other buildings or structures on your property

•  Personal belongings (i.e. clothing, furniture, appliances)

•  Additional living expenses

•  Your personal liability

Other Insurance for Your Home:

•  Home replacement guarantee

•  Replacement cost on contents

•  Additional coverage (i.e. flood insurance, earthquake insurance, umbrella insurance)



Gardner Also Will Insure:

•  Mobile and manufactured homes
•  Condos/town homes
•  Seasonal/vacation homes
•  Vacant homes
•  Landlord/rental properties
•  Renters


Please contact us for details and prices at (812) 265-6166 or email

Home Owner Insurance FAQs
Q. What does homeowners insurance cover?

A. The typical homeowners insurance policy covers the property of the insured and provides personal liability coverage.

Q. What is replacement cost?

A. A policy owner is reimbursed an amount necessary to replace the lost/damaged article with one of similar type and quality at current prices.

Q. What is actual cash value?

A. A policy owner is entitled to the depreciated value of the damaged property.

Q. How much would it cost to rebuild my home at today’s prices?
A. Estimating your home value will help you to make a determination of the amount of insurance you will want to purchase.

The primary factors that will determine the cost to rebuild your home include:
•  Local construction costs and the square footage of the structure
•  Type of exterior wall construction (i.e. frame, masonry or veneer )
•  Type of roof
•  Style of the house (i.e. ranch, colonial)
•  Number of bathrooms and other rooms
•  Attached garages, fireplaces, exterior trim, and other special features

Q. Should I purchase earthquake coverage?

A. Direct damages due to earthquakes are not covered under the standard homeowner's insurance policy. If you live in an area that is prone to earthquakes, you may want to consider adding an earthquake endorsement to your homeowners insurance policy. This endorsement will cover damages due to earthquakes, landslides, volcanic eruptions, and other earth movements.

Q. Should I purchase flood coverage?

A. You must purchase flood insurance if your property lies in a flood plain as determined by the US Government Flood Maps.

Q. What is personal liability umbrella coverage?

A. If you accidentally injure someone or damage their property, you could be sued. Your homeowners, property, and auto policies may provide substantial liability limits, but juries can award sums that exceed those limits. Umbrella insurance provides additional coverage on top of your auto and homeowners liability policies. It supplements your existing policies to provide additional personal liability protection.
Please contact us so we can review your policy and make suggestions on how you can lower your homeowner insurance rates at 
(812) 265-6166 or email
Home Owner Insurance Terminology:

An evaluation of a home insurance property claim by an authorized person to determine the property value or damaged property value.

The amount a home insurance policyholder must pay out of pocket for a covered claim.

The estimated decrease in property value over time due to wear and tear, aging and other related factors.

A provision or document added to a home insurance policy that changes the original coverage offered in the policy.
Certain property, persons or circumstances noted in a policy as not covered by a home insurance policy.

Group Policy
A home insurance policy sold through an employment-based group, association or special group insurance trust in which members are included under one master policy. Individuals receive certificates of coverage from the group policy.

Independent Agent or Producer
An insurance agent or producer who represents more than one insurer.

Inflation Protection
Automatically adjusts your home insurance policy limits to account for increases in costs to repair property.

Liability Coverage
Covers losses that an insured person is legally liable for due to negligence or other situations outlined in a home insurance policy.

Market Value
The current value of your home, including the price of land.

The exposure to or cause of a possible loss, such as an injury, destroyed or lost property, etc.
Personal Property
All tangible property (other than land) that is either temporary or movable in some way, such as furniture, jewelry, electronics, etc.

Property Coverage Insurance
Protects personal property and land against loss or damage, as outlined in a home insurance policy.

Real or Tangible Property
Land, as well as anything permanently attached to, embedded in or growing on it.

Replacement Cost Coverage (on Dwelling)
Pays for the cost to replace damaged property or structures without factoring in deductions for depreciation, but payment is limited to a maximum dollar amount.

Replacement Cost Coverage (on Contents)
Pays for the cost to replace damaged personal property or items at current costs without factoring in deductions for depreciation.

The process an insurance company uses to determine if someone is eligible for insurance, and, if so, how much that person should pay for insurance.



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