Insurance for McHenry homes
McHenry is a small community in southern Stone County along Highway 49, between Saucier and Perkinston. Gartman Insurance Agency helps McHenry families protect their homes, land and vehicles, comparing coverage from many carriers.
Call us or start a quote online.
The Independent Advantage
Coverage for McHenry families and businesses
Home Insurance
Auto Insurance
Flood Insurance
Business Insurance
Life Insurance
Umbrella Insurance
Quiet country living
Homes here often sit on a few acres with a shop or a barn. We’ll make sure those structures are included, cover tractors and ATVs, and review your wind deductible so you know what to expect after a storm.
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Insurance questions in McHenry
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.
How much coverage do I have for my shop or barn?
Most homeowners policies cover other structures at a percentage of the dwelling limit, often 10%. On a home insured for $200,000, that is $20,000 for every outbuilding combined. If yours would cost more to replace, we can raise the limit.
Is my tractor covered if it is stolen or damaged?
If it is used only to maintain your own property, your homeowners policy often covers it. If you use it for paid work or on other people’s land, it needs separate coverage. A quick call will settle which applies.
How does a percentage wind deductible work?
It is figured from your dwelling limit, not from the size of the claim. With a $200,000 dwelling limit and a 2% deductible, you pay the first $4,000 of wind damage. We’ll show you the options and what each costs.
I drive Highway 49 every day. What should my auto policy include?
Liability limits above the state minimum, uninsured motorist coverage, and collision and comprehensive. Comprehensive is the part that pays if you hit a deer, which is a real risk on rural stretches of the highway.