Posted on January 20, 2026

Many homeowners along the Gulf Coast of Mississippi and Alabama assume that increasing insurance coverage automatically means higher premiums. At The Simmons Agency, we regularly prove that with the right strategy, homeowners can secure more coverage for less money—even in high-risk coastal areas. 

Our clients came to us at renewal with total coverage of $390,000 and a renewal premium of $6,225. Like many homeowners in coastal communities, their insurance costs had steadily increased year after year, while their policy structure no longer reflected current replacement costs or local risk factors.

After a detailed insurance review, The Simmons Agency restructured their homeowner’s policy and placed it with a new carrier better suited for Gulf Coast properties. We evaluated wind exposure, coastal construction standards, flood proximity, and regional underwriting guidelines to ensure proper protection.

The results were dramatic. Total coverage increased to $487,500, providing nearly $100,000 in additional protection, while the annual premium dropped to $3,883. That’s a savings of $2,342 per year, representing a 37% reduction in insurance costs, all while increasing overall coverage.

This outcome highlights the importance of working with an agency that understands coastal homeowners’ insurance and the unique risks of living near the Gulf. 

Trusted Gulf Coast Homeowners Insurance Specialists 

The Simmons Agency specializes in homeowners’ insurance across the Gulf Coast of Mississippi, Alabama, and Tennessee, with a strong local focus on the following areas: 

Mississippi 

Pass Christian, Bay St. Louis, Long Beach, Gulfport, Biloxi, Jackson, Hattiesburg, Oxford, Starkville, Natchez, Ocean Springs, Gautier, Saucier, Moss Point 

Alabama 

Orange Beach, Gulf Shores, Foley, Loxley, Spanish Fort, Daphne, Daphne Island, Mobile, Fairhope, Fort Morgan 

Tennessee 

Memphis, Nashville, Franklin, Collierville, Chattanooga, Knoxville, Clarksville, Murfreesboro, Johnson City, Kingsport.  

Whether you own a primary residence, secondary home, or coastal property, having the right insurance coverage is critical. If your homeowner’s policy hasn’t been reviewed recently, you may be overpaying—or underinsured. Contact The Simmons Agency today for a local insurance review tailored to Gulf Coast living. 

More coverage. Lower premiums. Local expertise that matters.

Licensed in Alabama, Mississippi, and Tennessee. 

Is Your Home Insurance Still Costing You Too Much? 

Many Gulf Coast homeowners are overpaying simply because their policy hasn’t been reviewed. A quick, no-obligation insurance review can uncover better coverage options and real savings.