Serving Southaven from our office in Flowood
Contractors Insurance in Southaven, Mississippi
- Since 1954
- Independent agency
- Office in Flowood, MS
- Serving Southaven, MS
In plain English
Who is Scott Insurance Services in Southaven?
Scott Insurance Services is an independent insurance agency in Flowood, Mississippi, established in 1954. We serve Southaven from that one office, as we do across Mississippi, by phone, email and in person when it helps. We write car, home and umbrella insurance for Southaven families, and business insurance for Southaven companies.
We have no office in Southaven or anywhere else in DeSoto County. Our one office is in Flowood.
We write for families and business owners, and we can quote your home and your business.
What car insurance do Southaven drivers need?
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.
We write auto insurance for Southaven drivers. These figures were checked in October 2026.
What home insurance do we write for Southaven families?
We write homeowners insurance, personal umbrella insurance and flood insurance for Southaven families.
The median owner-occupied home in Southaven was valued at $236,300 in the Census Bureau's 2020 to 2024 survey. 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.
A standard homeowners policy covers wind and hail, but not flood. There is no separate hurricane policy. Flood needs its own policy, and 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. 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 business insurance can Southaven owners get from us?
We write business insurance across Mississippi from our Flowood office. Here are some of the lines.
- Contractors insurance for builders and trades
- General liability insurance for claims from customers and visitors
- Business owners policy for small shops and offices
- Commercial auto insurance for work trucks and vans
- Wholesalers insurance for distributors and warehouses
- Hospitality insurance for hotels and restaurants
Many personal auto policies exclude coverage when the vehicle is used mainly for business, so tell us how your truck is used. If you just want the basics, we will tell you whether a business owners policy fits.
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.
Does a Southaven contractor need a Mississippi license?
It depends on the job and its dollar amount. 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.
The Mississippi State Board of Contractors requires every active license holder to keep proof of general liability insurance. Commercial license applicants must show at least $300,000 per occurrence and $600,000 aggregate. These figures were checked in October 2026.
We serve Southaven 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
Southaven is in DeSoto County, and Hernando is the county seat. About 57,819 people lived in Southaven in July 2025, by the Census Bureau's estimate. Southaven started in the early 1960s as a community along Highway 51 and Stateline Road. It grew as a suburb of Memphis, Tennessee, the city says.
DeSoto County sits next door to Memphis. In the Census Bureau's 2020 to 2024 survey, about 45 percent of working Southaven residents had jobs outside Mississippi.
Flowood is our only office. We serve Southaven, Olive Branch, the rest of DeSoto County and all of Mississippi from here.
Why use an independent agent in Southaven?
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 Southaven families and business owners ask about insurance
Do you have an office in Southaven?
No. Our only office is in Flowood. We serve Southaven, Olive Branch and the rest of DeSoto County 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.
What is the minimum car insurance in Mississippi?
At least 25/50/25. That is $25,000 for one person's injuries, $50,000 for all injuries in one accident and $25,000 for property damage. A Mississippi auto policy must include uninsured motorist coverage unless you turn it down in writing on an approved form. These figures were checked in October 2026.
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.
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 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 Southaven coverage
Call us at (601) 362-6911 or ask for a quote online. Our office is in Flowood, and we serve Southaven and all of Mississippi.