Insurance for Madison homeowners
The city of Madison is known for its neighborhoods, schools and carefully planned look. Gartman Insurance Agency helps Madison homeowners compare coverage from the many carriers we represent, with advice in plain language.
Tell us about your home and we’ll bring you options.
The Independent Advantage
Coverage for Madison families and businesses
Home Insurance
Auto Insurance
Flood Insurance
Business Insurance
Life Insurance
Umbrella Insurance
Custom homes deserve careful coverage
Custom finishes, higher rebuilding costs and valuables can outgrow a standard homeowners policy. We’ll review your dwelling limit, talk through extended replacement cost and scheduled valuables, and look at umbrella liability for extra protection.
4 steps to better coverage
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Insurance questions in Madison
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 do I know my custom home is insured for enough?
Ask for a detailed replacement cost estimate that accounts for your square footage, finishes and features. We update it as building costs change and can add extended replacement cost for extra margin.
Does my homeowners policy cover my pool?
The pool itself is usually covered as part of the home or as another structure. The larger concern is liability if someone is hurt. A fence, a locking gate and an umbrella policy all help.
Do I need to list my jewelry separately?
If it is worth more than your policy’s limit for jewelry theft, yes. Scheduled items are covered for their appraised value, including loss, and usually without a deductible.
We have a teen driver and several cars. How do we keep the cost reasonable?
Multi-car and good student discounts help, and so does assigning your teen to the right vehicle. Keep your liability limits high. With a new driver in the house, this is not the place to cut.