Local insurance guidance for Gulf Coast life
Independent advice on home, flood, auto, life, and business — from a local team that’s here when you need us.
Local & independent
Right here in Ocean Springs
Multiple carriers
We shop, you save
Gulf Coast experts
Wind, flood & hurricane
Real people
Same team every time
Practical coverage, explained clearly
From our Ocean Springs office we help families, drivers, and local businesses compare options and choose coverage with confidence.
Homeowners
Home, condo, renters, and mobile home — with wind, hail, and flood considerations that actually fit life on the coast.
Commercial
Property, general liability, BOP packages, commercial auto, workers’ comp, and professional E&O for local businesses.
Auto
Liability, collision, comprehensive, and uninsured-motorist coverage for Gulf Coast drivers and their families.
Insurance from folks who live here too
We’re an independent Ocean Springs agency. We shop multiple carriers, explain your options in plain English, and actually pick up the phone when you call.
Get my free quoteHome, road, water, and work
Start with what you need — our team helps with the rest.
Local coverage. Personal service.
We take time to understand what you’re protecting, explain your options clearly, and help you stay covered as life and business change.
Request a free quotePrefer to talk? Call us at 228-300-2874Insurance Guides
Insurance guides for Gulf Coast families, drivers, contractors, and small businesses.
Commercial Insurance in Mississippi
Commercial insurance guidance for Mississippi business owners, including liability, property, workers compensation, commercial auto, and risk management basics.
Oliver Scott Insurance Partners with Hagerty for Classic and Collector Car Insurance
Oliver Scott Insurance works with Hagerty to help Mississippi Gulf Coast drivers explore classic and collector car insurance options.
Flood Insurance Mississippi Gulf Coast
Flood insurance guidance for Mississippi Gulf Coast homeowners, renters, and property owners who need protection beyond standard home insurance.
Everything You Need to Know About Burial Insurance in Mississippi
Burial insurance and final expense insurance basics for Mississippi families comparing affordable protection for end-of-life costs.
Surety Bond Insurance in Biloxi, MS
Surety bond insurance basics for Biloxi and Mississippi Gulf Coast contractors, businesses, and professionals who need bonding support.
Boat Insurance in Biloxi, MS
Boat insurance guidance for Biloxi and Mississippi Gulf Coast boat owners, including liability, physical damage, and marine coverage considerations.
“We save more than half on our home policy.”— James B., Homeowner · Ocean Springs, MS
Gulf Coast insurance questions, answered
Straight answers about coverage on the Mississippi Gulf Coast — no jargon.
Does homeowners insurance cover flood damage on the Mississippi Gulf Coast?
No. Standard homeowners policies do not cover flood damage. On the Mississippi Gulf Coast, flood coverage is a separate policy — usually through the NFIP or a private flood carrier. Because much of Ocean Springs, Biloxi, and Gulfport sits in a flood zone, we review your flood risk and coverage separately from your home policy.
How much does homeowners insurance cost in Ocean Springs, MS?
Premiums on the Gulf Coast vary widely based on your home's age, roof condition, construction, distance to water, and wind mitigation features. Coastal homes typically cost more than inland Mississippi homes because of wind and hurricane exposure. As an independent agency we compare multiple carriers to find the best price for your specific home.
What is a wind and hail deductible on a Gulf Coast policy?
Most Mississippi coastal policies carry a separate wind/hail or named-storm deductible, often 1-5% of your home's insured value rather than a flat dollar amount. On a $300,000 home a 2% wind deductible means $6,000 out of pocket for hurricane damage. We make sure you understand this number before a storm, not after.
Do I need boat insurance in Mississippi?
Mississippi does not legally require boat insurance, but most marinas and all lenders do. A boat policy also covers liability if someone is injured, plus physical damage, theft, and wreck removal. If you keep a boat on the Gulf Coast, we strongly recommend coverage.
What does an independent insurance agent do differently?
A captive agent can only sell one company's products. As an independent agency, Oliver Scott Insurance works with multiple carriers, so we shop your coverage across companies and recommend the one that actually fits your situation and budget. It costs you nothing extra.
How fast can I get an insurance quote?
The request form takes about 60 seconds. A local Ocean Springs agent reviews it and follows up within one business day. If you need something faster, call us at 228-300-2874 — we answer calls around the clock.
Ready to talk coverage?
Tell us a little about you and a real Ocean Springs agent will review your coverage, compare carriers, and follow up within one business day.
- Takes about 60 seconds
- No pressure, no obligation
- A local agent, not a call center
Prefer to talk? 228-300-2874
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