Insurance for Northpointe Estate homeowners
Homes in Northpointe Estate deserve coverage that reflects what they would cost to rebuild, not just what they would sell for. Gartman Insurance Agency compares options from the many carriers we represent and explains the differences in plain language.
Tell us about your home and we’ll take it from there.
The Independent Advantage
Coverage for Northpointe Estate families and businesses
Home Insurance
Auto Insurance
Flood Insurance
Business Insurance
Life Insurance
Umbrella Insurance
Rebuilding cost versus market value
The amount on your policy should be based on rebuilding cost, which can differ a great deal from market value. We’ll help you estimate it, and look at extended replacement cost for extra cushion if building costs rise after a major storm.
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Insurance questions in Northpointe Estate
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.
Why is my dwelling limit different from what my home would sell for?
Because it is based on the cost to rebuild, which depends on materials and labor. Market value includes the land and reflects what buyers will pay. The two numbers often differ by a wide margin.
What happens if rebuilding costs more than my limit?
Without extra protection, you pay the difference. Extended replacement cost adds a percentage above your limit for that situation. It matters most after a widespread storm, when building costs climb.
Does my policy pay to bring my home up to current building codes?
Only if it includes ordinance or law coverage. After a major loss, current codes can require upgrades the original home did not have. This coverage helps pay for them.
Does my coverage keep up with inflation on its own?
Many policies raise the dwelling limit a little each year. That helps, but it does not account for a remodel or a sharp rise in building costs, so an occasional review is still worthwhile.