Insurance for Long Beach families
Long Beach is a friendly beach town between Gulfport and Pass Christian, with a small-town downtown and a university campus on the water. Gartman Insurance Agency helps Long Beach homeowners, renters and drivers compare coverage from the many carriers we represent.
One conversation with us can replace a stack of quotes.
The Independent Advantage
Coverage for Long Beach families and businesses
Home Insurance
Auto Insurance
Flood Insurance
Business Insurance
Life Insurance
Umbrella Insurance
A beach town with year-round residents
Homeowners near the beach should plan for wind and flood coverage in addition to the homeowners policy. If you rent, a renters policy protects your belongings and your liability. We’ll help you choose the coverage that suits your situation.
4 steps to better coverage
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Insurance questions in Long Beach
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.
What does a Long Beach homeowner near the beach need?
In most cases a homeowners policy, wind and hail coverage, and a flood policy. The three work together after a hurricane. We’ll review the limits and deductibles on each so nothing important is left uncovered.
I’m building a home near the beach. When should I talk to an agent?
Before you finalize the plans, and ideally before you buy the lot. The flood zone, the height of the finished floor and the type of construction all affect what you will pay for years. During construction, a builder’s risk policy protects the home.
I’m a student or renter in Long Beach. Is renters insurance worth it?
Usually, yes. It covers your laptop, furniture and other belongings, plus your liability if someone is hurt at your place. Your landlord’s insurance covers only the building.
Will my auto policy pay if salt water floods my car?
Only with comprehensive coverage. Flood damage is a common reason vehicles are totaled after a storm, and liability-only policies do not pay for it. Moving your car to higher ground helps, but comprehensive is the real protection.