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Directory of home insurance agents in Biloxi, Mississippi. Verify credentials with the state department of insurance before hiring.
20 agents listed
Updated May 2026
Biloxi, MS
Important: Listings are compiled from publicly available sources and have not been independently verified by BeforeInsuranceUSA.com. We do not endorse any agent or guarantee outcomes. Verify licensing and disciplinary status with the Department of Insurance of Mississippi before hiring.
Showing 20 home insurance agents in Biloxi, MS
Listings are displayed in no particular order and are not ranked by BeforeInsuranceUSA. Order does not constitute a recommendation or endorsement of any agent.
A home insurance agent in Biloxi Mississippi can help you find coverage that meets state requirements and protects against Gulf Coast risks. Mississippi law does not require homeowners insurance but mortgage lenders typically do. Local agents understand the unique windstorm and flood exposure in Biloxi and can guide you through the Mississippi Windstorm Underwriting Association if needed.
What Does a Home Insurance Agent in Biloxi Cost?
Typical home insurance costs in Biloxi Mississippi range from 1500 to 4000 dollars per year for a standard policy. Premiums depend on the homes age construction type distance to the coast and coverage limits. Windstorm and flood coverage add significant cost. This is general information not insurance advice.
* Cost estimates are general ranges based on publicly available data and compiled using automated research tools. Actual fees vary by agent and case complexity. This is not insurance advice — consult directly with an agent for fee specifics.
Frequently Asked Questions
Do I need flood insurance for a home in Biloxi Mississippi?
Standard home insurance policies do not cover flood damage. If your home is in a high-risk flood zone your lender will require flood insurance. Even outside high-risk zones flood insurance is recommended due to Biloxis location on the Gulf Coast.
What is the Mississippi Windstorm Underwriting Association?
This is a state program that provides wind and hail coverage for coastal areas like Biloxi when private insurers will not. Your agent can help you apply if you cannot find wind coverage in the private market.
How do home insurance rates in Biloxi compare to other parts of Mississippi?
Rates in Biloxi are generally higher due to hurricane and storm surge risk. Coastal zip codes often see premiums 30 to 50 percent above inland areas. Your agent can shop multiple carriers to find competitive pricing.
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BeforeInsuranceUSA.com is not an insurance agency, agent referral service, or insurance advice provider. No agent-client relationship is formed by submitting a form or using this site. We do not endorse, recommend, or vouch for the qualifications of any agent. Past results do not guarantee future outcomes. Each situation is different. Verify agent credentials with your state department of insurance before hiring.
About Our Listings
Agents listed on BeforeInsuranceUSA.com are compiled from publicly available directories, state department of insurance records, and business listings. Inclusion does not constitute endorsement. We do not verify agent licensing, disciplinary status, or qualifications. Verify each agent's current standing with the Department of Insurance of Mississippi.