Insurance for Moss Point, the River City
Moss Point sits where the Escatawpa and Pascagoula rivers meet, just north of Pascagoula. Gartman Insurance Agency is nearby in Ocean Springs and helps Moss Point homeowners, renters and business owners compare coverage from many carriers.
Tell us what you need and we’ll do the shopping for you.
The Independent Advantage
Coverage for Moss Point families and businesses
Home Insurance
Auto Insurance
Flood Insurance
Business Insurance
Life Insurance
Umbrella Insurance
River living and flood coverage
Rivers and marsh are part of what makes Moss Point special, and they are also the reason flood insurance matters here. A homeowners policy does not cover flood damage. We’ll help you look at flood options, review your wind coverage and make sure your limits match what it would cost to rebuild.
4 steps to better coverage
Connect
Compare
Customize
Covered
Insurance questions in Moss Point
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 homeowners insurance cover river flooding in Moss Point?
No. Flood damage from a river, heavy rain or storm surge is excluded from homeowners policies everywhere. With the Escatawpa and Pascagoula rivers meeting here, a separate flood policy is the only way to cover rising water. We can price one for your address.
How soon does a flood policy take effect?
Most new flood policies have a 30-day waiting period, so you cannot wait until a storm is in the Gulf. The main exception is a policy bought along with a new home loan, which can start at closing. The sooner we set it up, the sooner you are covered.
What is the Mississippi wind pool?
It is the Mississippi Windstorm Underwriting Association, which provides wind and hail coverage in the six coastal counties, including Jackson County, when private carriers will not write it. It covers wind and hail only, so you still need a homeowners policy and, in most cases, flood insurance.
Should my home be insured for what I paid or what it would cost to rebuild?
What it would cost to rebuild. Materials and labor set that number, and it can be higher than the sale price of the home, especially after a storm when building costs rise. We’ll estimate the rebuilding cost with you and set your dwelling limit to match.