Insurance for Biloxi, just across the bay
Biloxi is right across the bay bridge from our Ocean Springs office. From the peninsula’s historic neighborhoods to Woolmarket and north Biloxi, Gartman Insurance Agency helps residents and business owners compare coverage from the many carriers we represent.
You get a local agency that knows the Coast and explains your options in plain language.
The Independent Advantage
Coverage for Biloxi families and businesses
Home Insurance
Auto Insurance
Flood Insurance
Business Insurance
Life Insurance
Umbrella Insurance
Peninsula living and hospitality businesses
With water on three sides of the peninsula, flood insurance and wind coverage are part of almost every homeowners conversation in Biloxi. If you own a restaurant, a shop or rental property, we can review your commercial coverage in the same visit.
4 steps to better coverage
Connect
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Covered
Insurance questions in Biloxi
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.
Do I need flood insurance on the Biloxi peninsula?
With the Mississippi Sound on one side and the Back Bay on the other, much of the peninsula sits in or near a flood zone. Lenders require a policy in high-risk zones, and it is worth having almost anywhere in Biloxi, because homeowners insurance excludes flood.
I’m stationed at Keesler and rent off base. What should I carry?
A renters policy covers your belongings and your liability, and usually costs far less than people expect. Let us know if your vehicle is registered in another state so we can make sure your auto coverage is set up correctly while you are here.
I own a rental property in Biloxi. Is a homeowners policy enough?
No. A home you rent to others needs a landlord policy, which covers the building, your liability and lost rent after a covered loss. Short-term and vacation rentals have their own rules, so tell us how the property is rented.
What is a hurricane or named-storm deductible?
It is the amount you pay before coverage begins when a named storm causes the damage. It is usually a percentage of your dwelling limit, not a flat amount. We’ll show you what that percentage means in dollars for your Biloxi home.