Insurance for St. Martin, right next door
St. Martin sits between Ocean Springs and D’Iberville, along the Back Bay of Biloxi. Gartman Insurance Agency is close by, and we help St. Martin homeowners, renters and drivers compare coverage from many carriers.
You get a local agency, plain answers and real options.
The Independent Advantage
Coverage for St. Martin families and businesses
Home Insurance
Auto Insurance
Flood Insurance
Business Insurance
Life Insurance
Umbrella Insurance
Close to the bay, close to the interstate
Homes near the Back Bay and its bayous should have flood insurance in the conversation, and wind coverage is often its own policy here. With Interstate 10 close by, many residents commute, so we’ll also check that your auto liability and uninsured motorist limits are where they should be.
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Insurance questions in St. Martin
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 homes near the Back Bay need flood insurance?
If your home is in a high-risk flood zone and you have a mortgage, your lender will require it. Elsewhere in St. Martin it is optional but worth pricing, because the bay and its bayous can push water well inland during a storm and a homeowners policy will not pay for it.
What does uninsured motorist coverage do?
It pays for your injuries, and with the property damage option your vehicle, when the driver who hits you has no insurance or not enough. Mississippi has one of the highest rates of uninsured drivers in the country, so it is important coverage if you commute on Interstate 10.
I rent my home in St. Martin. Do I need renters insurance?
Your landlord’s policy covers the building, not your belongings. A renters policy covers your furniture, clothes and electronics, your liability if someone is hurt, and extra living costs if a covered loss forces you out. Flood damage to your belongings needs a separate contents flood policy.
Is wind covered on my homeowners policy?
Check the declarations page. In coastal Jackson County many homeowners policies exclude wind and hail, and that coverage comes from a separate wind policy. If you are not sure which you have, send us the policy and we’ll read it with you.