Insurance, Hickory NC

The
Gardner
Group
 

Independent Insurance Agency Hickory, North Carolina
Business, Group & Individual Health, Homeowners, Auto, Flood, Life Insurance & more

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                    (877) 365-9610

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Home Insurance


Protect your most valuable asset. Have the peace of mind that your home will be protected when disaster strikes with an insurance agency that is looking out for you.

We understand that you are looking for the best possible price on Home and Auto Insurance coverage. It is important to compare coverage as well as price. The worst thing you can do is save money on insurance and leave yourself financially vulnerable with gaps in coverage. Let's not forget the reason we buy insurance in the first place. The reason is to protect our most valuable properties and our liabilities.

Look at the coverage first, then compare the prices of equal coverages to make your decision.

As an independent insurance agency, we use a variety of insurance carriers to write insurance policies. This is good for you because you get a choice between several carriers at one place. You get the opportunity to look at multiple homeowners policies of equal coverage and compare rates to get the absolute best value on you homeowners insurance.

Contact The Gardner Group to compare home insurance coverages today.


Umbrella Coverage

Extend your liability protection with an Umbrella policy.

  • Up to $10 Million
  • Coverage extends to internation occurances
  • Helps cover defense costs, attorney fees and other charges associated with lawsuits
  • Extends you Home, Auto and other personal liability policies
Valuable Items Coverage

Your homeowners policy may not cover your most valuable possessions to their full value. These coverages are recommended for expensive articles with values that exceed a homeowners policy.

Two types of valuable items coverage are:

  • Personal Articles Floater
    • Itemizes each valuable 
    • Separate policy for valuables
    • Can be purchased separately
  • Valuable Items Plus
    • Insures total value of combined property
    • Add-on coverage to homeowners insurance to provide higher limits

Renters Insurance

You may not own your own home but you do own property inside.

Renters Insurance can cover belongings such as electronics, clothes, furniture, appliances and other valuable items such as these.

Renters Insurance also can cover personal liability for another's injury or their property, if damaged.

Take advantage of Money Saving discounts such as security feature discounts and multi-policy discounts.


Money Saving Home Insurance Discounts

  • New Home Buyers Discount
    • For homes purchased in the last 12 months
    • Up to 18% off
  • New Home Discount
    • applies to home 6 years and newer
  • Home + Auto Discount
    • Save money on your insurance by combining
      your Home and Auto coverages with one company

The are many more discounts that may apply to your policy.
Contact us to find out more ways to save!

  • Alarm Credit
    • Save money with a home alarm system
  • Safety Credits
    • Smoke Detector
    • Deadbol
    • Fire Extinguishe
    • Sprinkler System
  • Pay Type Discounts
    • Save money by paying your policy in full
    • Save money by setting up EFT - Bank Draft

Keeping a Home Inventory

Be prepared for disaster by keeping a home inventory of all of your belongings. Do you think you could name all of the personal property that you own?  Taking a home inventory can be a very time consuming process, which is why many of us have not completed a home inventory. Don't let that put you off and do yourself a favor and take the time complete a home inventory, you will thank us later. Know Your Stuff of the Insurance Information Institute has provided a free home inventory software that is make it much easier to keep a record of your inventory. This is a great way to keep your home inventory because of the ease of use and for the fact that your information is stored online, away from you home in case of fire, theft or other perils that may compromise your list.

Take a look at www.knowyourstuff.org and consider making an inventory of your home today.

Contact us if you need any assistance with taking a Home Inventory

 



The material included in this website is to serve as informational only. Please refer to your insurance policy for your specific coverage details.