Insurance for St. Andrews homeowners
St. Andrews is a golf course community east of Ocean Springs, close to the Mississippi Sound. Gartman Insurance Agency is nearby and helps St. Andrews homeowners compare coverage from many carriers.
Whether you live here year-round or part of the year, we’ll help you protect your home.
The Independent Advantage
Coverage for St. Andrews families and businesses
Home Insurance
Auto Insurance
Flood Insurance
Business Insurance
Life Insurance
Umbrella Insurance
Golf course and coastal living
Homes near the water need wind and flood coverage that work alongside the homeowners policy. If your home sits empty part of the year, that can affect your coverage, so tell us how you use it. We can also cover golf carts and add umbrella liability for extra protection.
4 steps to better coverage
Connect
Compare
Customize
Covered
Insurance questions in St. Andrews
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.
My St. Andrews home is empty part of the year. Does that affect my coverage?
It can. Many policies limit or exclude certain losses, such as vandalism or water damage from a leak, when a home sits vacant or unoccupied for an extended period, often 30 or 60 days. Tell us how you use the home so we can place it with a carrier that fits.
Do I need separate insurance for a golf cart?
If it leaves your lot, yes. A homeowners policy usually covers a cart only on your own property. A golf cart policy covers liability and damage on neighborhood streets and at the course.
Does my policy cover damage from stray golf balls?
A broken window is generally covered by a homeowners policy, but the repair often costs less than your deductible. If a ball you hit injures someone or damages their property, the personal liability coverage on your policy may respond.
What is an umbrella policy, and who needs one?
An umbrella policy adds liability coverage, usually in $1 million steps, above the limits on your home and auto policies. It is worth considering if you have a pool, a boat, a golf cart or savings you want to protect from a lawsuit.