Insurance for Madison County homes and businesses
Madison, Ridgeland and Canton sit just north of Jackson, with established neighborhoods, new construction and a busy business community. Gartman Insurance Agency helps Madison County families and business owners compare coverage from many carriers.
Tell us what you want to protect and we’ll bring you options.
The Independent Advantage
Coverage for Madison County families and businesses
Home Insurance
Auto Insurance
Flood Insurance
Business Insurance
Life Insurance
Umbrella Insurance
Protecting higher-value homes
Many Madison County homes carry higher rebuilding costs, custom finishes or valuables that a standard policy may not fully cover. We’ll help you check that your dwelling limit reflects today’s rebuilding costs, and look at options such as extended replacement cost, scheduled valuables and umbrella liability.
4 steps to better coverage
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Covered
Insurance questions in Madison County
Straight answers to what local homeowners, drivers and business owners ask us most. Don’t see your question? Call us at (228) 872-3881 and we’ll talk it through.
What is extended replacement cost?
It adds a cushion, often 25% or more, above your dwelling limit if rebuilding costs more than expected. For custom homes in Madison County, where finishes and labor are costly, it is a valuable feature.
Are my jewelry, art and firearms fully covered?
Not usually. Standard policies cap theft coverage for these items at fairly low amounts. Scheduling them lists each item at its appraised value, often with no deductible.
How much liability coverage should I carry?
Enough to protect what you own and earn. Many Madison County families add a $1 million or $2 million umbrella policy over their home and auto coverage. We’ll help you choose an amount.
Does homeowners insurance cover foundation movement from clay soil?
Generally not. Expansive clay is common in this part of Mississippi, and damage from settling or shifting soil is excluded from standard policies. Good drainage and steady moisture around the foundation are the best protection.