Expertise.com
2024

Last updated:

Best Homeowners Insurance Agencies in Gulfport

Our Recommended Top 6

We did the research for you!

  • Licensing
  • User Reviews
  • Mystery Shopping Calls

Our goal is to connect people with the best local professionals. We scored Gulfport Homeowners Insurance Agencies on more than 25 variables across five categories, and analyzed the results to give you a hand-picked list of the best.

46

Reviewed

30

Curated

6

Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

Website
169 Lameuse Street, Biloxi, MS 39530
  • Condos
  • Personal Property Insurance
  • Multiple Carriers
  • Flood

Why choose this provider?

US Select Insurance LLC helps homeowners in the Gulfport area to obtain adequate home insurance from trusted providers. Its team works with clients to determine how much coverage is needed and shops around to find them a suitable policy at an affordable rate. Carriers this agency works with include AIG, Bass Underwriters, and Berkshire Hathaway. In addition to homeowners insurance, US Select Insurance also offers help with life, health, auto, and business policies.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Facebook
5.0 / 5 (3)
Google
5.0 / 5 (2)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
4338 Park Ten Drive, Diamondhead, MS 39525
  • Renter's Insurance
  • Condos

Why choose this provider?

Dewitt Insurance Agency has been serving clients in the Gulfport area since 1956. This independently owned company helps clients find homeowners insurance policies that are well-suited to the size and value of their homes, as well as policies that cover their vehicles, health expenses, and businesses. Additionally, its agents help clients to file claims and navigate the claims process from start to finish, as well as to make changes to their policies whenever necessary.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.3
Google
3.8 / 5 (10)
Facebook
5.0 / 5 (7)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
2121 Pass Rd, Gulfport, MS 39499
  • Personal Property Insurance
  • Multiple Policy Types

Why choose this provider?

Allen & Smith Insurance Agency is a homeowners' insurance agency in Gulfport. It has been in business for 29 years and has been providing property and liability coverage for homeowners. Dwellings and personal property are included in its property coverage, meaning homes, detached structures, as well as clothing and appliances, can be insured. The liability coverage also protects homeowners from being subject to claims because of an accident on the property. The agency also offers flood and mobile home insurance.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.0
Google
4.0 / 5 (41)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
4.8
Responsiveness
Friendliness
Helpfulness
Detail

Website
750 East Pass Road, Gulfport, MS 39507
  • Flood
  • Multiple Policy Types

Why choose this provider?

Ardé Insurance Group is a Gulfport-based agency that has been providing insurance solutions to individuals and businesses for more than a decade. The insurance agents at this firm offer a homeowners' policy with coverage from $100,000 to $4,000,000, including the repair and rebuilding costs of the damaged property and belongings. Ardé Insurance Group also has custom homeowners' insurance plans for primary, secondary, vacant, and seasonal properties. Its other products are motorcycle, boat, and commercial insurance.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.9
Google
4.9 / 5 (11)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
4.8
Responsiveness
Friendliness
Helpfulness
Detail

Website
2413 14th St, Gulfport, MS 39501
  • Personal Property Insurance
  • Multiple Policy Types

Why choose this provider?

Bishop Insurance Agency offers comprehensive personal and business insurance solutions to clients in Gulfport and the rest of the state. The agents customize a home insurance policy for every client's unique circumstances with coverages that protects the client's house and its contents in case of unexpected disaster or misfortune. The details of each policy are considered depending on the client's property's location, age, size, value, and type. The company has been in the industry since 2003.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.1
Google
4.1 / 5 (11)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
15016 Dedeaux Road, Gulfport, MS 39503
  • Multiple Policy Types

Why choose this provider?

Teri Eaton State Farm Insurance Agent is licensed to sell insurance in Mississippi and throughout several other states. She helps her clients to select insurance policies that cover damages to their homes, as well as policies for their vehicles, health, businesses, and pets. Additionally, Ms. Eaton offers help with mutual funds and annuities. She has more than 40 years of experience working for State Farm and strives to help her clients understand their policies inside and out.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.8
Google
4.8 / 5 (19)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Frequently Asked Questions

  • Introduction

    Homeowners' insurance is a type of property insurance used by private property owners to protect their home and property from a range of risks and liabilities. It is also called home insurance.

    All homeowners' insurance policies cover the primary home on a property, meaning that most damage from weather, accidents, vandalism, and other events will be at least partially paid for by the insurance company. Many policies also include coverage for other structures, personal property, and some premises liability.

    It is not required by law that a homeowner purchases insurance for their property. However, if you have a mortgage, the lender will usually make purchasing a homeowners' policy a mandatory part of the loan process. Since the mortgage lender is essentially selling you the home, they require you to protect the investment.
  • Are Gulfport homeowners’ insurance rates increasing?

    Homeowners’ insurance rates in Gulfport and the rest of the Mississippi Coast are increasing due to high inflation and more frequent natural catastrophes brought by climate change. While some insurers have increased their rates 15% to 70%, others are limiting their coverage options. For example, carriers such as State Farm and Nationwide have ceased to offer wind coverage to homes near the coastline.

  • What property risks affect Gulfport homeowners’ insurance costs?

    Homeowners’ insurance costs in Gulfport are impacted by the metro’s high risk for tornadoes, as it averages about two tornadoes a year. It is also a high-risk hurricane zone, with 15 hurricanes within 150 miles recorded for the last two decades. In addition, the metro has a crime rate of 51.99 crimes per 1,000 residents.

  • What is the average home replacement cost in Gulfport?

    The average replacement cost of homes in Gulfport is $217,452. This takes into account the cost of labor and the same type of building materials used originally. Dwelling coverage on one’s homeowners’ insurance policy helps cover the rebuilding costs for the structure of the home, including its foundation, walls, roof, and attached structures such as garages or decks.

  • Which provider insures the most homes in Gulfport?

    State Farm insures the most homes in Gulfport, covering 25% of the market and writing the most direct premiums throughout Mississippi as of 2021. Mississippi Farm Bureau comes in second with 15% of the market share. Meanwhile, Safeco, Allstate, and Foremost Insurance make up about 10% of the market combined.

  • Where can Gulfport residents report their homeowners’ insurance provider?

    Residents of Gulfport who wish to report their homeowners’ insurance provider may file a complaint through the official website of the Mississippi Insurance Department. Policyholders may also relay their concerns by calling the department’s toll-free hotline at 800-562-2957 or emailing them at consumer@mid.ms.gov. The department offers resources on homeowners insurance shopping and disaster preparedness information.

  • What determines the price of homeowners insurance premium?

    The premium, or monthly cost, of your homeowners' insurance policy depends on several factors, including the value of your home and amount of coverage you choose. Your credit history and whether the property is in a higher risk area also play a role.

Related Articles

FeaturedState Farm home insurance reviews

State Farm Home Insurance Review 2023

Expertise ranks State Farm as the fifth-best homeowners insurance based on its affordable coverage and customizable policies....

FeaturedHomeowners insurance featured image

7 Best Homeowners Insurance Companies of 2024

Expertise analyzed the top home insurance providers in the country and found that Amica is the best insurer overall.