Resources
Insurance answers and client resources.
Whether you're an existing client or just trying to understand Gulf Coast insurance, this is where to start.
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Quick access to the things you need most.
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Request Portal Access →Policy Documents
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Request a Change →Claims Information
What to do when something happens, and how Alliance can help you through it.
Claims Help →Contact Alliance
Questions about your policy, billing or coverage? Reach out directly.
Contact Us →Need to file a claim?
Here's what to do, and how Alliance can help on the Mississippi Gulf Coast.
1. Make sure everyone is safe
If there's an emergency, call 911 first. Once everyone is safe, document what you can and protect the property from further damage if it's reasonable to do so.
2. Call the office
Reach us at 228-282-8010 or michael@allianceinsurancegc.com. We'll help you understand your coverage, start the claims process with your carrier and walk you through what happens next.
3. Document the damage
Take photos and videos before you begin major cleanup. Keep receipts for temporary repairs, lodging or other expenses related to the loss. Your carrier will ask for this documentation.
Learning Center
Gulf Coast Insurance, Explained
Straight answers to the questions we hear most, from hurricane deductibles to flood coverage to why premiums change.
What does a percentage hurricane deductible actually mean?
Flat-dollar vs. percentage deductibles, and what that number on your policy really costs you after a storm.
A hurricane deductible is the amount you pay out of pocket before your insurance covers hurricane-related damage. On many Gulf Coast policies, it's a percentage of your dwelling coverage, often 2% or 5%, rather than a flat dollar amount. That percentage can translate to thousands of dollars depending on your home's insured value.
Homeowners Insurance →Does homeowners insurance cover flood damage?
Short answer: no. Here's why, and what Gulf Coast homeowners need to know about separate flood coverage.
No. Standard homeowners policies do not cover flood damage from storm surge, rising water, heavy rainfall flooding or overflow from bodies of water. Flood coverage requires a separate flood insurance policy through the National Flood Insurance Program (NFIP) or a private flood insurer.
Flood Insurance →How much should my home actually be insured for?
Replacement cost, market value and the number on your policy aren't always the same thing. Here's what matters.
Your home should be insured for what it would cost to rebuild, not what you paid for it or what it might sell for. On the Gulf Coast, construction costs, wind exposure and carrier requirements all factor in. Alliance helps you work through a realistic replacement value for your specific home.
Homeowners Insurance →What happens if my property is underinsured?
The gap between what you're insured for and what it costs to rebuild can be expensive. Here's how to avoid it.
If your home is insured for less than what it would cost to rebuild, you may receive only a partial payout after a covered loss. In a worst-case scenario, you could be responsible for a significant portion of rebuilding costs out of pocket. This is one of the most common, and most serious, gaps we see on Gulf Coast policies.
Homeowners Insurance →Wind + hurricane deductibles on the Gulf Coast
How wind coverage works in coastal Mississippi, and what to look for before the next storm season.
Many Gulf Coast policies have a separate wind or hurricane deductible in addition to the standard homeowners deductible. It may be a flat dollar amount or a percentage of your dwelling coverage. A 2% deductible on a $350,000 home means $7,000 out of pocket before coverage responds. Know which type you have, whether it applies to named storms only or all wind, and what that number is in dollars, not just as a percentage.
Homeowners Insurance →Do I need flood insurance if I'm not in a flood zone?
Flood maps don't tell the whole story. Why many Gulf Coast homeowners carry flood coverage anyway.
It depends on your risk tolerance and your lender's requirements. Properties outside mapped high-risk zones can still flood, and roughly 25% of NFIP claims come from properties outside high-risk areas. On the Gulf Coast, understanding your actual exposure is worth a conversation even if you're not in a designated zone.
Flood Insurance →Commercial property insurance for Gulf Coast businesses
What business owners and property managers should know about coverage limits, deductibles and replacement values.
Premium is only one number. Coverage limits, deductibles, replacement values and policy structure all determine whether a commercial policy actually protects your building and your operations. On the Mississippi Gulf Coast, wind, storm and flood exposure also change what's available and what it costs. Alliance helps business and property owners look at the entire picture, then decide whether the current policy still makes sense.
Commercial Insurance →
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