Insurance for Wiggins families and businesses
Wiggins is the Stone County seat, a small city along Highway 49 with a traditional downtown and plenty of open country around it. Gartman Insurance Agency helps Wiggins homeowners, drivers and business owners compare coverage from many carriers.
Tell us what you want to protect and we’ll take it from there.
The Independent Advantage
Coverage for Wiggins families and businesses
Home Insurance
Auto Insurance
Flood Insurance
Business Insurance
Life Insurance
Umbrella Insurance
Small-town businesses and family homes
Whether you own a storefront downtown or a home just outside the city, we’ll check that your property limits match today’s rebuilding costs. We’ll also review your wind deductible and look at commercial coverage if you run a business.
4 steps to better coverage
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Insurance questions in Wiggins
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.
What insurance does a downtown Wiggins business need?
Most start with a business owner’s policy for property and general liability. From there, add workers’ compensation, commercial auto or professional liability as your business requires. We’ll also confirm how wind is covered on the building.
Does my small business need workers’ compensation?
Mississippi requires it for most employers with five or more employees. Smaller businesses can buy it voluntarily, and many contracts require it regardless of size. It pays medical bills and lost wages when an employee is hurt on the job.
Is my home insured for enough?
Compare your dwelling limit to what it would cost to rebuild today, not to what the home would sell for. Building costs have climbed, so limits set years ago are often too low. We’ll run an updated estimate with you.
Are hail and tornado damage covered?
Yes, as wind and hail losses, subject to the wind and hail deductible on your policy. Ask whether your roof is covered for replacement cost or for its depreciated value, because that changes what a claim pays.