Insurance for Pascagoula families and businesses
Pascagoula is the Jackson County seat and a working waterfront city, known for shipbuilding and industry along the Mississippi Sound. Gartman Insurance Agency helps the people who live and work here protect their homes, vehicles and businesses.
Because we are independent, we compare many carriers and explain your options in plain language.
The Independent Advantage
Coverage for Pascagoula families and businesses
Home Insurance
Auto Insurance
Flood Insurance
Business Insurance
Life Insurance
Umbrella Insurance
A working city on the water
Homes close to the beach or the river need wind and flood coverage that work alongside the homeowners policy. If you own a business that serves the shipyard or local industry, we can look at liability, commercial auto and workers’ compensation in the same conversation.
4 steps to better coverage
Connect
Compare
Customize
Covered
Insurance questions in Pascagoula
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.
My home is near the beach or the river. What do I need besides a homeowners policy?
Usually two more pieces: wind and hail coverage, which many carriers write separately on the Coast, and a flood policy, which is always separate. Together they cover the main ways a hurricane damages a Pascagoula home. We’ll check that all three use sensible limits and deductibles.
I drive to the shipyard every day. Is the state minimum auto coverage enough?
Mississippi’s minimum is $25,000 per person and $50,000 per accident for injuries, and $25,000 for property damage. One serious crash can exceed that. With heavy shift-change traffic and many uninsured drivers on Mississippi roads, higher liability limits and uninsured motorist coverage are worth a look.
My business does work for local industry. What coverage do contractors usually need?
Most contractors need general liability, commercial auto and workers’ compensation. Larger customers often ask for a certificate of insurance showing specific limits before you can start work. We can review the requirements in your contract and set up coverage to match.
Do older Pascagoula homes cost more to insure?
They can. Carriers look at the age of the roof, wiring, plumbing and heating and cooling systems. Updates often help, so tell us what has been replaced and when. We’ll also check that your dwelling limit reflects today’s cost to rebuild, not the price you paid.