Insurance for Perkinston homes and land
Perkinston is a community in Stone County along Highway 49, home to a community college campus and surrounded by pine forest. Gartman Insurance Agency helps Perkinston families protect their homes, land and vehicles, comparing coverage from the many carriers we represent.
Most of what we do can be handled by phone or online.
The Independent Advantage
Coverage for Perkinston families and businesses
Home Insurance
Auto Insurance
Flood Insurance
Business Insurance
Life Insurance
Umbrella Insurance
Students, renters and landowners
If you rent near campus, a renters policy protects your belongings and your liability. If you own land, we’ll make sure your home, outbuildings and equipment are covered and review the liability that comes with acreage.
4 steps to better coverage
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Insurance questions in Perkinston
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.
I’m a student renting near campus. Am I covered by my parents’ policy?
Sometimes. Students in a dorm are often covered under a parent’s homeowners policy, with limits. An off-campus apartment usually needs its own renters policy, which also covers your liability.
I rent a house to students. What policy do I need?
A landlord policy. It covers the building, your liability as the owner and lost rent after a covered loss. A standard homeowners policy is not written for a home you rent out.
Do I need flood insurance near Red Creek?
If your home or camp is close to the creek, it is worth having. Red Creek rises quickly after heavy rain, and homeowners insurance does not cover flood damage.
What liability comes with owning acreage?
You can be held responsible if a guest is hurt on your land, whether riding, hunting or just visiting. Check the liability limit on your policy, make sure all your land is listed, and consider an umbrella policy for extra protection.