Serving Jackson from our office in Flowood
Contractors Insurance in Jackson, Mississippi
- Since 1954
- Independent agency
- Office in Flowood, MS
- Serving Jackson, MS
In plain English
Who is Scott Insurance Services in Jackson?
Scott Insurance Services is an independent insurance agency in Flowood, Mississippi, established in 1954. We serve Jackson and Hinds County from that one office, a short drive away. We write auto, home and umbrella insurance for Jackson families, and business insurance for Jackson companies.
We have no office in Jackson. You can reach us by phone or email, and we can meet in person when it helps.
We write for families and business owners, and we can quote your car, your home and your business.
What car insurance do Jackson drivers need?
We write auto insurance for Jackson drivers. The state sets the floor at 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. A rejection carries into renewals until you ask for the coverage back in writing. Mississippi is a fault-based state, not a no-fault state. These figures were checked in October 2026.
What do Jackson families insure with us?
We write homeowners insurance and personal umbrella insurance for Jackson families.
The median owner-occupied home in Jackson was valued at $111,700 in the Census Bureau's 2020 to 2024 survey. Whatever your home is worth, ask whether your policy pays replacement cost, which is what it would cost to rebuild new. Actual cash value takes off for wear and age. Review your limits at every renewal.
An umbrella adds liability limits on top of your home and auto policies. One national carrier, Allstate, for example, asks for $300,000 in home liability before it writes an umbrella. On cars it asks for $250,000 per person and $500,000 per accident for injuries, and $100,000 for property damage. One way to size the umbrella is to cover what you own and what you will earn, including your home and savings.
Does homeowners insurance cover storms and flooding in Jackson?
It covers wind and hail, but not flood. There is no separate hurricane policy. Flood needs a flood insurance policy of its own.
You do not need to live in a floodplain to buy flood insurance. If your home is in a high-risk flood area and you have a government-backed mortgage, flood insurance is required. 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. These figures were checked in October 2026.
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.
What do Jackson business owners ask us for?
We write business insurance across Mississippi from our Flowood office. These are some of the lines Jackson owners ask about.
- Commercial auto insurance for work trucks and vans
- General liability insurance for claims from customers and visitors
- Business owners policy for small shops and offices
- Contractors insurance for builders and trades
- Church insurance for congregations
- Hospitality insurance for hotels and restaurants
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 Jackson 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
Jackson is the capital of Mississippi. The city sits in three counties, Hinds, Madison and Rankin. Jackson and Raymond are the two county seats of Hinds County. About 141,196 people lived in Jackson in July 2025, by the Census Bureau's estimate. The University of Mississippi Medical Center, which calls itself the state's only academic medical center, is in Jackson.
Flowood is our only office. We serve Jackson and the rest of Mississippi from here.
Why use an independent agent in Jackson?
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 Jackson families and business owners ask about insurance
Do you have an office in Jackson?
No. Our only office is in Flowood, a short drive from Jackson. We serve Jackson and the rest of Mississippi from there.
Can I get a quote without coming 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.
What is the minimum car insurance in Mississippi?
The minimum is 25/50/25 in liability coverage. That is $25,000 for one person's injuries, $50,000 for all injuries in one accident and $25,000 for property damage. The Mississippi Insurance Department says the minimum may not be enough. These figures were checked in October 2026.
Does my homeowners policy cover flood?
No. A standard homeowners policy does not cover flood, so flood needs its own policy. 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. 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.
When should I review my coverage?
At every renewal, and any time something changes. A new home, a new car, new employees or a new contract are all good reasons to call us.
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 Jackson coverage
Call us at (601) 362-6911 or ask for a quote online. Our office is in Flowood, and we serve Jackson and all of Mississippi.