Serving Pearl from our office in Flowood
Contractors Insurance in Pearl, Mississippi
- Since 1954
- Independent agency
- Office in Flowood, MS
- Serving Pearl, MS
In plain English
Who is Scott Insurance Services in Pearl?
Scott Insurance Services is an independent insurance agency in Flowood, Mississippi, established in 1954. Pearl and Flowood are both in Rankin County, and we serve Pearl from our one office, a short drive away. We write home, auto and umbrella insurance for Pearl families, and business insurance for Pearl companies.
We have no office in Pearl. 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 home and your business.
What insurance do Pearl families buy from us?
We write homeowners insurance, auto insurance and personal umbrella insurance for Pearl families.
The median owner-occupied home in Pearl was valued at $182,500 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.
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. 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.
Does homeowners insurance cover storms and flooding in Pearl?
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 Pearl business owners ask us for?
We write business insurance across Mississippi from our Flowood office. These are some of the lines Pearl owners ask about.
- Business owners policy for small shops and offices
- General liability insurance for claims from customers and visitors
- Hospitality insurance for hotels and restaurants
- Storage facility insurance for self-storage owners
- Contractors insurance for builders and trades
- Commercial auto insurance for work trucks and vans
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 Pearl 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
Pearl is in Rankin County, and Brandon is the county seat. About 28,864 people lived in Pearl in July 2025, by the Census Bureau's estimate, about 6.7 percent more than in April 2020. The city's own site points shoppers to Bass Pro Shops and the Outlets of Mississippi.
Flowood is our only office. We serve Pearl and the rest of Mississippi from here.
Why use an independent agent in Pearl?
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 Pearl families and business owners ask about insurance
Do you have an office in Pearl?
No. Our only office is in Flowood, a short drive from Pearl in the same county. We serve Pearl 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.
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 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.
What if an uninsured driver hits me?
About 28 percent of Mississippi drivers were uninsured in 2023, the highest rate in the country. Uninsured motorist coverage is for that risk. A Mississippi auto policy includes it unless you turn it down in writing on an approved form. 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 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 Pearl coverage
Call us at (601) 362-6911 or ask for a quote online. Our office is in Flowood, and we serve Pearl and all of Mississippi.