Why Homeowners in Biloxi Need Comprehensive Insurance Coverage

If you are a homeowner in Biloxi, you’re very fortunate. You have beautiful views, warm weather, and a vibrant coastal lifestyle. Of course, the area also has its own unique set of risks. Living near the Gulf Coast means being prepared for hurricane season, tropical storms, and the flooding that often follows. Having the right homeowner’s insurance in Biloxi is one of the best ways you can protect your investment and peace of mind. Your preferred insurance agent can help you obtain what you need before the bad weather threatens your home.

Understanding the Risks of Coastal Living

As a Biloxi resident, you face a combination of wind, rain, and flood exposure that homeowners farther inland may never experience. For example, a mild tropical storm can bring heavy rainfall and strong winds capable of damaging roofs, siding, and outdoor structures. Larger storms can cause surge flooding and power outages, leading to water and mold damage inside your house. Without proper coverage, you can be quickly overwhelmed by the costs of repair or rebuilding after a storm. That is why a standard policy alone simply isn’t enough for Gulf Coast homeowners.

What a Standard Homeowners’ Insurance Policy Covers

When you bought your home, you obtained homeowners’ insurance in Biloxi to protect:

• • The structure of your home: Covers damage from events like fire, wind, and hail.
  • Personal property: Items such as your furniture, appliances, and belongings inside the home.
  • Against the risk of liability: Offers coverage if someone is injured on your property
  • Your budget against additional living expenses: Covers the cost for temporary housing if your home becomes uninhabitable after a covered event

While this is a good start, there is a significant gap you should be aware of – flooding is not typically covered under standard homeowners’ insurance.

Adding Flood Insurance and Wind Coverage

As a Biloxi homeowner, flood and wind coverage is essential. You can expect each to provide protection, such as:

• • Flood insurance: Protects against water damage caused by rising water, storm surge, or heavy rain that leads to flooding.
  • Windstorm or hurricane coverage: Can help cover damage caused by high winds, which may be excluded or limited in some standard homeowners’ policies.

Having both types of protection ensures your home is covered, regardless of how a storm hits.

Reassessing Your Coverage Regularly

Your home’s value, construction costs, and weather patterns change over time. Reviewing your insurance policy each year, especially before hurricane season, helps make sure your insurance keeps pace with current risks. Your insurance agent can help with:

• Verifying that your dwelling coverage reflects its current replacement cost
• Reviewing your deductible options for wind or hurricane claims
• Confirming that your personal belongings and outdoor structures, like decks or sheds, are adequately covered
• Discussing optional coverage for things like backup generators or home offices

Partner with a Biloxi Homeowners’ Insurance Team

Working with a local insurance agent makes all the difference when you live on the Gulf Coast. The team at Hawsey Insurance understands the challenges that come with owning property near the gulf. We have helped Biloxi and coastal Mississippi residents find reliable coverage for decades. We’ll take the time to review your current policy, identify any gaps, and explain your options to ensure you’re protected from every angle. Don’t wait for the next storm. Talk to us today about a comprehensive homeowners’ policy.

Call Hawsey Insurance at 601-856-7707 to discuss your homeowners’ insurance options with a qualified insurance agent. Feel free to contact us online or make an appointment to stop by our Madison, Jackson, and Southaven, MS, offices.