Serving Gulfport from our office in Flowood
Contractors Insurance in Gulfport, Mississippi
- Since 1954
- Independent agency
- Office in Flowood, MS
- Serving Gulfport, MS
In plain English
Who is Scott Insurance Services in Gulfport?
Scott Insurance Services is an independent insurance agency in Flowood, Mississippi, established in 1954. We serve Gulfport, in Harrison County, from that one office, by phone, email and in person when it helps. We write car, home, wind, flood and business insurance for Gulfport families and companies.
We have no office in Gulfport. We serve it, and the rest of Mississippi, from Flowood.
We write for families and business owners, and we can quote your car, your home and your business.
What car insurance do Gulfport drivers need?
We write auto insurance for Gulfport drivers. Mississippi requires at least 25/50/25 in liability coverage. That means $25,000 for one person's injuries and $50,000 for all injuries in one accident. It also means $25,000 for damage to property. The Mississippi Insurance Department says the minimum may not be enough.
In 2023, about 28 percent of Mississippi drivers were uninsured, the highest rate in the country. Uninsured motorist coverage is for that risk. A Mississippi auto policy must include it unless you turn it down in writing on an approved form. Mississippi is a fault-based state, not a no-fault state. These figures were checked in October 2026.
How does wind and hail coverage work in Gulfport?
A standard homeowners policy covers damage from wind and hail. There is no separate hurricane policy. When you read your policy, make sure it does not include a windstorm exclusion.
A homeowners policy can carry a named storm deductible. It is often a percentage of your home's value. For policies from licensed insurers, Mississippi rules say it applies from the first named storm watch or warning for any part of the state. It ends 24 hours after the last one ends. Windpool and surplus lines policies are not covered by that rule, so read your own policy.
The state windpool, the Mississippi Windstorm Underwriting Association, writes wind and hail coverage in six counties. Harrison County is one of them. To apply, you need documented declinations from licensed insurers, and you apply through a Mississippi licensed resident agent.
A windpool policy covers wind and hail only. It does not cover flood, fire or theft. If the property sits in a high-risk flood zone (A or V), the windpool asks for proof of flood coverage. It will not bind a new policy once a named storm has been declared west of 80 degrees longitude and north of 20 degrees latitude. Ask us about wind coverage well before a storm forms. Mississippi law requires insurers to give discounts for homes built or upgraded to IBHS standards. Insurers have filed discounts of 15 to 30 percent with the state. These figures were checked in October 2026.
Do I need flood insurance in Gulfport?
A standard homeowners policy does not cover flood. Flood needs a flood insurance policy of its own. You do not need to live in a floodplain to buy one. If your home is in a high-risk flood area and you have a government-backed mortgage, flood insurance is required. Some banks require it even outside a high-risk area.
A federal flood policy on a single-family home can cover up to $250,000 on the building and $100,000 on its contents. A flood policy usually starts 30 days after you buy. There is no wait if you buy while making, increasing, extending or renewing a mortgage. If a new flood map puts you in a high-risk zone, the wait is one day when you buy within 12 months of the change. Hurricane season runs from June 1 to November 30, and buying when a storm is already in the Gulf is too late. These figures were checked in October 2026.
What do Gulfport business owners ask us for?
We write business insurance across Mississippi from our Flowood office. These are some of the lines Gulfport owners ask about.
- Hospitality insurance for hotels and restaurants
- Commercial property insurance for buildings and contents
- Commercial auto insurance for work vehicles
- Business owners policy for small shops and offices
- Contractors insurance for builders and trades
- Storage facility insurance for self-storage owners
Standard commercial property policies usually exclude flood, and business income coverage can exclude it too. Even a federal flood policy for a business does not pay for lost income while you are closed. Ask us about flood business income options.
Mississippi requires workers comp once you regularly employ five or more people. Under five, it is optional. Nonprofit charitable, fraternal, cultural and religious organizations, domestic servants, farmers and farm labor are exempt. These figures were checked in October 2026.
We serve Gulfport from our Flowood office
Scott Insurance Services
579 Lakeland East Drive, Suite A
Flowood, MS 39232
Phone: (601) 362-6911
Office Hours
- Monday: 8:00 AM to 4:30 PM
- Tuesday: 8:00 AM to 4:30 PM
- Wednesday: 8:00 AM to 4:30 PM
- Thursday: 8:00 AM to 4:30 PM
- Friday: 8:00 AM to 4:30 PM
- Saturday: Closed
- Sunday: Closed
Gulfport is one of the two county seats of Harrison County, with Biloxi. Gulfport had 76,506 people in July 2025, by the Census Bureau's estimate, 4.9 percent more than in 2020. The Mississippi State Port Authority runs the Port of Gulfport, a seaport for bulk cargo and containers.
Flowood is our only office. We serve Gulfport and the rest of Mississippi from here.
Why use an independent agent in Gulfport?
An independent agent can quote more than one insurance company, so you can compare rates without any pressure. We also help match the policy wording to how you actually live and work.
Cheaper is not always better. We lay the quotes side by side, so you can weigh price against coverage. The aim is to save money while keeping the coverage you need. If any agent, us included, tells you something is covered, ask for that answer in writing, and ask for an endorsement when it matters.
Questions Gulfport families and business owners ask about insurance
Do you have an office in Gulfport?
No. Our only office is in Flowood. We serve Gulfport by phone, email and in person when it helps.
Can I get a quote without driving to Flowood?
Yes. We can quote by phone or email. If you would rather meet in person, call us and we will set a time.
Who writes wind coverage in Harrison County?
A standard homeowners policy covers wind and hail. If licensed insurers decline you in writing, the state windpool writes wind and hail coverage in six counties, including Harrison. A windpool policy does not cover flood. These figures were checked in October 2026.
Can I buy flood insurance when a storm is coming?
You can, but it usually will not be in force in time. A flood policy usually starts 30 days after you buy. There is no wait if you buy while making, increasing, extending or renewing a mortgage. If a new flood map puts you in a high-risk zone, the wait is one day when you buy within 12 months of the change. Buying when a storm is already in the Gulf is too late. These figures were checked in October 2026.
How much car insurance do I need in Mississippi?
The law requires at least 25/50/25 in liability coverage. The Mississippi Insurance Department says the minimum may not be enough. We can quote higher limits and uninsured motorist coverage. These figures were checked in October 2026.
How many employees before workers comp is required in Mississippi?
Five. Employers who regularly employ five or more workers must carry workers comp, and under five it is optional. Nonprofit charitable, fraternal, cultural and religious organizations, domestic servants, farmers and farm labor are exempt. These figures were checked in October 2026.
How does it work from our Flowood office?
You call or email us and tell us what you want to protect. We ask about your cars, your home or your business, and what any lender or contract requires. The paperwork can be detailed, so we walk you through the parts that matter to you. That way you understand what you are paying for. Then we quote more than one insurance company and set up the policy you choose.
Talk to us about Gulfport coverage
Call us at (601) 362-6911 or ask for a quote online. Our office is in Flowood, and we serve Gulfport and all of Mississippi.