For most addresses, yes. Gautier sits between the Mississippi Sound and the Pascagoula River marsh, with bayous running through town, and a homeowners policy does not pay for flood damage. We’ll look up your flood zone and price a policy so you can decide with real numbers.

Only in a limited way. Most homeowners policies cover small boats for a low dollar amount and offer little or no liability coverage on the water. A separate boat policy covers the hull, motor and trailer and protects you if someone is hurt.

Many carriers on the Coast exclude wind and hail from the homeowners policy. When that happens, wind coverage comes from another carrier or from the Mississippi wind pool. We’ll make sure the two policies line up so there is no gap between them.

Ask about credits for a newer roof, storm shutters and other wind-resistant features, and have any wind mitigation or elevation paperwork ready. Bundling home and auto and choosing a deductible you can comfortably afford can help too. We’ll compare the carriers we represent to see what fits.