Insurance for Villages of Northpointe homeowners
Gartman Insurance Agency helps homeowners in the Villages of Northpointe compare home and auto coverage from many carriers. Because we are independent, we work for you, not for one insurance company.
Call, email or start a quote online.
The Independent Advantage
Coverage for the Villages of Northpointe families and businesses
Home Insurance
Auto Insurance
Flood Insurance
Business Insurance
Life Insurance
Umbrella Insurance
Know what your association covers
If your neighborhood has a homeowners association, its policy may cover shared areas but not your home or belongings. We’ll help you understand where the association’s coverage stops and yours begins, including loss assessment coverage if owners are ever billed for a shared loss.
4 steps to better coverage
Connect
Compare
Customize
Covered
Insurance questions in the Villages of Northpointe
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 does an association’s master policy cover?
Typically the shared property: entrances, common buildings, pools and the association’s own liability. In some communities it also covers the exterior of attached homes. The governing documents spell it out.
What is loss assessment coverage?
If the association has a loss larger than its insurance, or a large deductible, it can bill each owner for a share. Loss assessment coverage on your own policy helps pay that bill.
Who is responsible if someone is hurt at the neighborhood pool or clubhouse?
That falls to the association and its insurance. An injury at your own home is your responsibility, which is what the liability coverage on your policy is for.
I own a townhome. Do I need a homeowners policy or a condo policy?
It depends on what you own under the association’s documents. If you own the building and the lot, a homeowners policy fits. If you own only the interior, a condo policy does. Send us the documents and we’ll confirm.