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services for individuals

Home Insurance

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Understanding Home Insurance

Protect Your livelihood

Home insurance is essential for protecting your property and belongings from a variety of risks. Our comprehensive policies cover damages caused by fire, theft, natural disasters, and more. We also provide liability coverage in case someone is injured on your property. Our experienced team is here to guide you through the process, helping you select the right coverage to fit your specific circumstances. With Wright-Gardner Agency, you can trust that your home is in good hands.

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Personal Property

Protects your personal belongings, such as furniture, electronics, and clothing, from theft, fire, and other covered losses.

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Dwelling Protection

Covers the structure of your home, including walls, roof, and built-in appliances, against damages from fire, storms, and other covered events.

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Liability Protection

Provides coverage in the event that someone is injured on your property or if you accidentally cause damage to someone else's property, covering legal fees and medical expenses.

  • What does home insurance typically not cover?

    Home insurance usually does not cover damage caused by floods, earthquakes, or routine wear and tear. Separate policies or endorsements may be required for these risks.

  • Is sewer or septic backup covered?

    Most standard policies do not cover sewer or septic backups unless you purchase a specific endorsement for this coverage.

  • How does replacement cost differ from actual cash value?

    Replacement cost insurance pays out the total replacement value of your possessions, not their depreciated market value, ensuring you can replace damaged or stolen items with new ones.

  • What should I know about insuring valuable items like jewelry?

    A standard policy covers jewelry up to set limits if the loss results from one of the perils named in the policy. Additional coverage may be needed for high-value items.

get the right coverage today

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Let's Personalize Your Protection

We are dedicated to providing you with the best insurance solutions to protect your home and everything in it. With over a century of experience, our personalized approach ensures you get the coverage you need, tailored to your unique circumstances.

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