Protecting Your Home with The Garrison Agency
At The Garrison Agency, we are deeply committed to our Florence community and prioritize the well-being of our clients, especially in their times of need. Unlike impersonal call centers or companies that might overlook your concerns, our team is here to support you, whether you’re navigating home insurance for the first time or facing the aftermath of a disaster.
Homeowners Insurance Solutions
We provide comprehensive homeowners insurance, including extended replacement cost coverage for eligible homes. This means if the repair costs of your home exceed its insured value, we can cover up to an additional 25%. Our policies distinguish between replacement cost and Actual Cash Value (ACV), where ACV accounts for depreciation.
Specialized Coverage for Manufactured Homes
Understanding the unique needs of manufactured homes, we offer specialized policies for both single-wide and multi-wide units. Our policies are designed to provide replacement cost protection based on the stated value, especially for older homes. We pride ourselves on offering excellent coverage options at competitive rates.
Renters Insurance
Our renters insurance is an essential safeguard for those who lease their homes, including college students or families in temporary housing. This insurance covers the contents and liability of the rented property. We also cater to tenant house coverage, emphasizing the importance of renters insurance even when living in a non-owned home.
Valuable Personal Property Insurance
We also offer personal articles policies covering items like jewelry, watches, collectibles, and fine arts. These policies are affordable and straightforward to obtain, with a simple process to document the value of your items.
Condo Insurance
Whether it’s your primary residence or a vacation home, we provide comprehensive insurance for condos. Our coverage extends to various property types, ensuring peace of mind for all homeowners.
Key Aspects of Home Insurance
- Dwelling Coverage: This covers the rebuilding or repair of your home’s structure in case of damage from a covered hazard.
- Other Structures Coverage: This helps in repairing or replacing structures separate from your home, like a detached garage, if damaged by a covered risk.
- Personal Property Coverage: This insures your belongings against theft or damage in events like fires.
- Loss of Use: This assists with additional living expenses if your home is temporarily uninhabitable due to a covered event.
- Liability Coverage: This protects you against legal responsibility for property damage or accidental injuries to others.
- Medical Payments Coverage: This covers medical expenses for others accidentally injured on your property or by your activities.
- Home Systems Protection: We offer discounts based on the age of your roof and an endorsement for home systems protection, covering sudden mechanical failures of various electrical appliances.
For a personalized approach to your home and property insurance needs, schedule an appointment with The Garrison Agency in Florence, AL, and schedule a consultation with our expert team.