Flood guide
What flood covers and when it starts
Get clear on building, contents and the waiting period before a storm is in the Gulf.
Read the flood guide →Mississippi Gulf Coast
Flood coverage starts before the storm does.
Your homeowners policy does not cover flood. Neither does your wind policy.
Flood
NFIP and private coverage for homes, condos, rentals and renters.
Learn more →02Wind + Homeowners
Put the policies Coast homes often need on the same renewal date.
Learn more →03Auto + Boats
Protect the rest of life on the Coast, too.
Learn more →Preparation guide
The storm checklist
Keep a practical list for the weeks before hurricane season and the first hours after a storm.
Read the checklist →Timing guide
Why coverage can't be added once a storm is near
Understand binding restrictions and the best time to put new coverage in place.
Read the timing guide →Local roots. Personal service.
A Gulf Coast agency built on clear answers.
After Katrina, Celeste Pelloquin sat at kitchen tables with neighbors who had learned too late what their policies left out. She opened this agency to help Coast families get coverage in place early.
Meet our agency →
Before June 1
Three steps today can save stress tomorrow.
- Photograph every room, closets and garage too.
- Write down every policy number and claims line.
- Get flood in place now, because a new federal flood policy takes 30 days to start.
Get ahead of the Gulf
Talk through flood, wind and homeowners coverage before it becomes urgent.
“Celeste sold us flood in April and told us to stop putting it off. In September the water came up to the second porch step.”Renee and Paul G., Bay St. Louis
“The checklist was on our fridge. I had every policy number in my hand when I called.”Darnell W., Biloxi
“They explained why nobody could add coverage with the storm already in the Gulf, then made sure we never got caught like that again.”Trish M., Long Beach