Scott Insurance Services, LLC
579 Lakeland East Dr, Ste A, Flowood, MS 39232
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579 Lakeland East Dr, Ste A, Flowood, MS 39232
View this agency's profile to learn more about their services.
Learn about insurance coverage options specific to Flowood residents.
Flowood drivers pay $1,800-$2,100/year for full coverage. Learn how Jackson metro commutes affect rates and how to save hundreds on car insurance.
No, standard homeowners insurance does not cover flooding from rivers, storm surge, or heavy rainfall. You need a separate flood insurance policy through the National Flood Insurance Program (NFIP) or a private insurer. If you live in a high-risk flood zone near the Pearl River, your mortgage lender will likely require flood coverage.
The average cost of home insurance in Mississippi is around $1,700 to $2,200 per year, but your actual premium depends on your home's age, location, construction type, coverage limits, and deductible. Homes in flood zones or older homes typically cost more to insure. Shopping around and bundling policies can help you find better rates.
Yes, tornado damage is covered under the wind peril in your standard homeowners insurance policy. However, you may have a separate wind/hail deductible that's higher than your regular deductible—often 1% to 5% of your home's insured value. Check your policy to understand what you'd owe out of pocket after a tornado.
Yes, many insurers offer discounts for newer homes because they're built to updated building codes and have modern materials that resist wind, fire, and water damage. Homes built after 2000 often qualify for a new home discount of 10-15%. Ask your agent if your home qualifies and what documentation you might need.
Replacement cost coverage pays to rebuild or repair your home at today's prices without deducting for depreciation. Actual cash value coverage pays the depreciated value of your home and belongings, which is usually much less. For Flowood homeowners, replacement cost coverage is strongly recommended to ensure you can fully rebuild after a major loss.
Absolutely. Most insurance companies offer a multi-policy discount of 15-25% when you bundle your home and auto insurance. This is one of the easiest ways to lower your premium, and it also simplifies billing and claims. Get quotes from insurers that offer both types of coverage to compare your bundled savings.
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