PL Gibson


We know the difference between what you really need and what other insurers want to sell you.

Gibson Insurance Agency is your affordable expert in Homeowners Insurance. Each home is different, every area where one resides is different, so all homeowner policies should reflect those differences. Gibson tailors your home policy to you and your family's unique and specific needs, not averages or off-the-racks.

Our Homeowners Insurance experts will help you protect your home fully, For instance, did you know that 70% of homes are underinsured? And that this shortfall can be as much as 35% or more? We will guide you through the process and ensure your home to 100% replacement cost to limit your out-of-pocket expense. We'll also help you identify and take advantage of discounts. Improving your home's security can not only accrue in savings but also provide you with greater safety.

Our way of working is different than the ordinary. We take the time to learn about you and analyze what will work best for you. The more we know about you the better. And the more you learn about us, the more you'll appreciate the Gibson difference.

  • DISCOUNTS! Let us help you save money while protecting your property and liability at its optimum level.

  • Endorsements

    - Water Backup 
    < Not flood (i.e., surface water), this endorsement provides coverage for water that backs up from a sewer or a drain (e.g., if a sump pump quits and the water floods the basement).

    - Earthquake

    - Equipment Breakdown 
    < Provides coverage for mechanical failure to many electrical components in the home (though does not cover normal wear and tear).

    - Special Personal Property 
    < Accidental damages, breakage, and mysterious disappearance. 
    < Also covers a power surge from an artificial power supply.

    - Identity Theft 
    < Covers you against America's fastest growing crime, with millions of individuals already affected. This endorsement provides a service, and up to $15,000 for legal fees, lost wages, and any additional expenses to get your identity back if it were ever stolen. 
    < According to the Federal Trade Commission, the average cost to restore an identity is $8,000, plus those victims of identity theft spend an average of 600 hours trying to recover.

  • Additional Coverage and Policies

    - Umbrella 
    < Provides catastrophic liability coverage from $1,000,000 and up. 
    < Fills in coverage gaps on normal insurance policies. 
    <This "next level" of protection goes beyond standard home, auto, and other insurance policies by extending what's covered AND providing coverage for what the underlying policies don't cover.

    - Flood 
    < Provides coverage for surface water.

    - Renters/Tenants Policies 
    < Coverage to protect your contents and liability when renting an apartment.

    - Condo Insurance 
    < Coverage to protect your contents and liability when owning a condo. 
    < Coverage specific to your condo association's bylaws.

    - Jewelry, Art, Collectibles 
    < Coverage specifically for your special property. 
    < Eliminates deductible on scheduled items. 
    < Adds all-risk coverage, which includes mysterious disappearance, accidental damage, and breakage.

    - Dwelling Fire
    < Coverage for property rented to others. 
    < Liability protection for the landlord.

Get a FREE quote now. Our Homeowners Insurance experts will show you the way to save money.
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