Insurance for Belle Terre homeowners
Gartman Insurance Agency helps Belle Terre homeowners protect what matters most, comparing coverage from many carriers and explaining the options clearly. You choose with confidence, and we handle the details.
Call us or start a quote online.
The Independent Advantage
Coverage for Belle Terre families and businesses
Home Insurance
Auto Insurance
Flood Insurance
Business Insurance
Life Insurance
Umbrella Insurance
Coverage for the things you’ve added
Pools, fences, outdoor kitchens and detached garages are covered under a separate part of your policy with its own limit. If you have added to your property, we’ll make sure that limit is high enough and that your liability coverage reflects it.
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Insurance questions in Belle Terre
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.
Is my swimming pool covered?
An in-ground pool is generally covered as part of the home or as another structure, depending on the carrier. Tell us about it either way, because it also affects the liability coverage you should carry.
How much coverage do I have for a fence or detached garage?
They fall under other structures, which is usually set at 10% of your dwelling limit and shared among everything detached. If that is not enough for what you have built, the limit can be raised.
I added an outdoor kitchen. Do I need to change my policy?
Let us know. If it is attached to the house it adds to your rebuilding cost, and if it is detached it counts against your other structures limit. Either way your limits may need to go up.
Does a trampoline or play set affect my insurance?
It can. Some carriers ask about them, and a few restrict coverage. It is better to tell us than to find out after an injury. An umbrella policy adds liability protection.