Insurance for Pearlington homes
Pearlington is a small community in the southwestern corner of Hancock County, near the Pearl River and the Louisiana line. Gartman Insurance Agency helps Pearlington homeowners protect their homes and vehicles, comparing coverage from many carriers.
Call us or start a quote online.
The Independent Advantage
Coverage for Pearlington families and businesses
Home Insurance
Auto Insurance
Flood Insurance
Business Insurance
Life Insurance
Umbrella Insurance
Low-lying land near the river
Flood insurance is the most important conversation for a Pearlington homeowner, and elevation makes a real difference in cost. Wind coverage is often a separate policy as well. We’ll help you understand your options and make sure your home is insured for what it would cost to rebuild.
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Insurance questions in Pearlington
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.
Why does flood insurance matter so much in Pearlington?
Pearlington is low-lying land beside the Pearl River and close to the Gulf, and it took severe flooding from Hurricane Katrina. Homeowners insurance excludes flood, so a flood policy is the only coverage for rising water.
How does elevation change my flood premium?
The higher your lowest floor is above expected flood levels, the less you generally pay. Raised homes can cost much less to insure than homes built at ground level. An elevation certificate lets us price it accurately.
Can I get wind coverage this close to the Gulf?
Yes. If private carriers will not write it, the Mississippi wind pool provides wind and hail coverage in Hancock County. We’ll check both and explain the deductible that applies.
What should I do before hurricane season starts?
Review your homeowners, wind and flood policies and know each deductible. Photograph your home and belongings, and keep your policy numbers where you can reach them. Remember that most new flood policies take 30 days to start.