Insurance for Jackson, Mississippi’s capital city
Jackson is the state capital and Mississippi’s largest city, with historic neighborhoods, universities and a wide mix of businesses. Gartman Insurance Agency helps Jackson homeowners, renters and business owners compare coverage from the many carriers we represent.
We are licensed statewide and easy to reach by phone, email or online.
The Independent Advantage
Coverage for Jackson families and businesses
Home Insurance
Auto Insurance
Flood Insurance
Business Insurance
Life Insurance
Umbrella Insurance
Older homes and city driving
Many Jackson homes were built decades ago, so we look closely at rebuilding costs, roofs and updates to wiring and plumbing. The area’s clay soil and heavy rains make it worth asking what your policy covers for water and foundation problems. For drivers, strong liability and uninsured motorist coverage matters in city traffic.
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Insurance questions in Jackson
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.
Does insurance cover foundation problems caused by Yazoo clay?
Generally not. The clay under much of Jackson swells when wet and shrinks when dry, and homeowners policies exclude settling and earth movement. If a sudden plumbing leak causes damage, that part may be covered. We’ll explain where the line falls on your policy.
Should I buy flood insurance in Jackson?
If you live near the Pearl River or one of its creeks, yes. The river flooded parts of the city in 1979 and again in 2020. Homeowners insurance does not cover flood, and most new flood policies take 30 days to start.
Is a sewer or drain backup covered?
Not by a standard homeowners policy. Water backup coverage is an endorsement you add, usually for a modest cost. With older drain lines in many Jackson neighborhoods, it is one of the more useful additions.
Can an older Jackson home get standard homeowners coverage?
Most can. Carriers will ask about the roof, the type of wiring and plumbing, and the heating system. If something needs updating, we’ll tell you which carriers will still write the home and what would improve your options.