Insurance that knows your neighborhood
Every neighborhood has its own character, and its own coverage questions. Gartman Insurance Agency works with homeowners in subdivisions and established neighborhoods across Mississippi, comparing options from the many carriers we represent.
Choose your neighborhood below, or call us and tell us where you live.
The Independent Advantage
Coverage for Mississippi families and businesses
Home Insurance
Auto Insurance
Flood Insurance
Business Insurance
Life Insurance
Umbrella Insurance
What neighbors often ask us
Is my home insured for what it would cost to rebuild today? Does my association’s policy cover anything inside my walls? What about a pool, a fence or a detached garage? These are the questions we hear most, and we’re glad to walk through them with you.
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Insurance questions in Mississippi
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 my homeowners association’s insurance cover my house?
Usually not. The association’s policy covers shared areas, such as entrances, clubhouses and pools. Your home, your belongings and your own liability need a policy in your name.
How often should I review my homeowners policy?
Once a year, and any time you remodel, add a pool or make a large purchase. Building costs change, and a limit that was right three years ago may be too low now.
What is loss assessment coverage?
If your association is hit with a large loss or lawsuit and bills the owners for a share, loss assessment coverage helps pay your part. It can be added to most policies.
Can I save by insuring my home and cars together?
Often. Most carriers discount both policies when they are bundled. We’ll price it bundled and separately so you can see which is the better value.