Serving Oxford from our office in Flowood
Contractors Insurance in Oxford, Mississippi
- Since 1954
- Independent agency
- Office in Flowood, MS
- Serving Oxford, MS
In plain English
Who is Scott Insurance Services in Oxford?
Scott Insurance Services is an independent insurance agency in Flowood, Mississippi, established in 1954. From that one office we serve Oxford and clients across Mississippi, by phone, email and in person when it helps. We write home, auto and umbrella insurance for Oxford families, and business insurance for Oxford companies.
We have no office in Oxford, so the work is done from Flowood.
We write for families and business owners, and we can quote your home and your business. We try to learn what you need on the first call.
What home insurance do we write for Oxford families?
We write homeowners insurance, auto insurance and personal umbrella insurance for Oxford families.
The median owner-occupied home in Oxford was valued at $385,700 in the Census Bureau's 2020 to 2024 survey. On a home worth that much, 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 way to size it is to cover what you own and what you will earn, including your home and savings.
What car insurance does Mississippi require?
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.
Does homeowners insurance cover storms and flooding in Oxford?
A standard homeowners policy 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 that change.
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 we write for Oxford business owners and contractors?
We write business insurance across Mississippi from our Flowood office. These are some of the lines Oxford owners ask about.
- Contractors insurance for builders and trades
- General liability insurance for claims from customers and visitors
- Business owners policy for small shops and offices
- Hospitality insurance for hotels and restaurants
- Church insurance for congregations
- Auto shop insurance for repair shops
The Mississippi State Board of Contractors requires every active license holder to keep proof of general liability insurance. A state license is needed for commercial work over $50,000 and for new homes over $50,000. Remodeling or roofing an existing home needs one over $10,000. On home projects of any size, electrical, plumbing, HVAC and mechanical subcontractors need a state license no matter how small their part of the job.
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 Oxford 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
Oxford is the county seat of Lafayette County. About 26,773 people lived in Oxford in July 2025, by the Census Bureau's estimate. The University of Mississippi counted 25,086 students on its main campus in its fall 2025 headcount.
Flowood is our only office. We serve Oxford and the rest of Mississippi from here.
Why use an independent agent in Oxford?
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 Oxford families and business owners ask about insurance
Do you have an office in Oxford?
No. Our only office is in Flowood. We serve Oxford 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.
Can you insure both my home and my business?
Yes. We write homeowners, auto and umbrella insurance as well as business insurance. If you just want the basics, we will tell you what fits.
Does my homeowners policy cover flood?
No. A standard homeowners policy covers wind and hail but not 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 that change. These figures were checked in October 2026.
Does a Mississippi contractor need general liability to get licensed?
Yes, to hold an active license. The Mississippi State Board of Contractors requires every active license holder to keep proof of general liability. Commercial applicants must show at least $300,000 per occurrence and $600,000 aggregate. 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 home, your cars 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 Oxford coverage
Call us at (601) 362-6911 or ask for a quote online. Our office is in Flowood, and we serve Oxford and all of Mississippi.