Insurance for Stone County, just up Highway 49
Wiggins, Perkinston and McHenry sit along Highway 49 in the piney woods north of the Coast. Gartman Insurance Agency helps Stone County families, landowners and business owners find coverage that fits, compared across many carriers.
Tell us about your home, vehicles or business and we’ll take it from there.
The Independent Advantage
Coverage for Stone County families and businesses
Home Insurance
Auto Insurance
Flood Insurance
Business Insurance
Life Insurance
Umbrella Insurance
Inland, but not out of reach of storms
Stone County is far enough from the beach to avoid storm surge, yet tropical systems still bring wind and heavy rain this far north. Homes on acreage, timberland, barns and equipment each raise their own coverage questions. We’ll help you review your wind deductible and make sure outbuildings and equipment are covered.
4 steps to better coverage
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Covered
Insurance questions in Stone County
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.
Do hurricanes affect homeowners insurance in Stone County?
They do. Stone County is beyond the reach of storm surge, but it is one of the six coastal counties where hurricane wind is a rating factor. Expect a separate wind or named-storm deductible, and ask us what it is in dollars.
Is damage from a woods fire covered?
Yes. Fire is a covered cause of loss on a homeowners policy, whether it starts in your kitchen or spreads from nearby woods. Keeping brush and pine straw cleared away from the house helps protect it.
I own timberland or hunting land. Do I need liability coverage for it?
Vacant land can often be added to the liability coverage on your homeowners policy. Land that is leased for hunting or used to produce income usually needs its own policy. Tell us how the land is used.
Is flooding a concern away from the Coast?
It can be. Red Creek and other streams in Stone County rise after heavy rain, and flood damage is excluded from homeowners policies. If your home is near a creek, ask us for a flood quote.