Your hometown insurance agency in Ocean Springs
Ocean Springs is home for us. Our office is on Government Street, a short drive from downtown’s live oaks, galleries and shops, and we’ve built our agency around serving the people who live and work here.
As an independent agency, Gartman Insurance Agency compares coverage from many carriers, so your home, auto and business insurance fit your needs and your budget.
The Independent Advantage
Coverage for Ocean Springs families and businesses
Home Insurance
Auto Insurance
Flood Insurance
Business Insurance
Life Insurance
Umbrella Insurance
Insuring a home in Ocean Springs
From cottages near Front Beach to newer homes north of Highway 90, most Ocean Springs homeowners deal with three pieces: a homeowners policy, wind and hail coverage, and flood insurance. We’ll explain how they work together, review your named-storm deductible and help you avoid gaps.
4 steps to better coverage
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Covered
Insurance questions in Ocean Springs
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.
Does my Ocean Springs homeowners policy cover hurricane damage?
It depends on which part of the damage. Wind may be covered by your homeowners policy or by a separate wind policy, and rising water from storm surge is only covered by flood insurance. Most Ocean Springs homeowners carry all three pieces, and we’ll help you see how yours fit together.
I live near Front Beach or one of the bayous. Is flood insurance required?
If you have a mortgage and your home is in a high-risk flood zone, your lender will require it. Even where it isn’t required, homes close to Front Beach, Old Fort Bayou and Davis Bayou are worth protecting, because a homeowners policy pays nothing for flood damage.
Are the big live oaks on my lot an insurance concern?
They can be. If a tree falls on your home during a covered storm, the damage to the home is generally covered, but most policies limit what they pay to remove the tree and debris. We’ll show you that limit and the wind deductible that would apply.
I own a shop or restaurant downtown. What coverage should I look at?
Start with property and general liability, often combined in a business owner’s policy, then add workers’ compensation if you have employees. On the Coast, ask about wind coverage for the building and business income coverage, which helps replace lost revenue if a storm closes your doors.