Insurance for Gulf Park Estates homeowners
Gulf Park Estates is a residential community southeast of Ocean Springs, close to the Mississippi Sound. Gartman Insurance Agency is nearby and helps homeowners here compare coverage from the many carriers we represent.
Tell us about your home and we’ll bring you options.
The Independent Advantage
Coverage for Gulf Park Estates families and businesses
Home Insurance
Auto Insurance
Flood Insurance
Business Insurance
Life Insurance
Umbrella Insurance
Living near the Sound
Being this close to the water makes flood insurance and wind coverage the two most important conversations for a Gulf Park Estates homeowner. Elevation, flood zone and construction type all affect your options. We’ll help you understand them and choose deductibles you’re comfortable with.
4 steps to better coverage
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Insurance questions in Gulf Park Estates
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.
How does my home’s elevation affect what I pay for flood insurance?
A great deal. The higher your lowest floor sits above expected flood levels, the lower your premium tends to be. If you have an elevation certificate, send it to us. In a neighborhood this close to the Sound, it can make a real difference.
Is storm surge covered by my wind policy?
No. Surge is rising water, so it is treated as flood and paid only by a flood policy. Wind coverage pays for damage the wind itself causes, such as a damaged roof and the rain that enters through it. Gulf Park Estates homeowners generally need both.
Can I still get a standard homeowners policy this close to the water?
Often, yes, though your choices narrow near the Sound. Some carriers will write the homeowners policy without wind, and the wind coverage is placed separately. Because we are independent, we can check several carriers for you.
Which named-storm deductible should I choose?
A higher percentage lowers your premium but raises what you pay after a hurricane. Pick an amount you could cover from savings without hardship. We’ll show you the premium and the out-of-pocket cost side by side for each option.