Insurance FAQs | Picayune, MS

Insurance FAQs 

Insurance can involve unfamiliar terms, different coverage types, and important decisions about protecting your property, vehicles, or business.

Understanding the basics can make it easier to determine which insurance options you want to explore. A Plus Insurance Agency is a full-service insurance agency with 18 years in business, serving both personal and commercial clients.

We offer coverage options including auto, home, flood, business, professional liability, commercial auto, workers' compensation, and bonds. Below are answers to common questions about our insurance services and the quote process. 

What types of insurance does A Plus Insurance Agency offer? 

We provide both personal and commercial insurance options. Personal coverage includes homeowners, auto, flood, motorcycle, boat, RV and travel trailer, ATV, golf cart, and other property and recreational coverage.

Our commercial options include business insurance, general liability, professional liability, commercial auto, workers' compensation, commercial flood insurance, and bonds.

How do I request an insurance quote? 

You can start through the appropriate Get a Quote page. We have dedicated quote options for Personal Lines and Commercial Clients. 

You can also call us at (601) 798-8032 or email quote@a-plusinsurance.net.

What information will I need for a quote? 

The information needed depends on the insurance requested. For vehicle coverage, details about the vehicle and drivers may be required. Property insurance may require information about the building or home.

Commercial coverage may require details about your operations, employees, vehicles, property, or professional services. Providing accurate information helps ensure the quote reflects your actual insurance needs. 

What types of insurance does A Plus Insurance Agency offer? 

Our personal coverage options include Homeowners Insurance, Flood Insurance, Excess Flood Insurance, Earthquake Insurance, Rental Property Insurance, Vacant Property Insurance, Builders Risk Insurance, Renovation Insurance, Auto Insurance, Motorcycle Insurance, Boat Insurance, Yacht Insurance, Jet Ski Insurance, RV & Travel Trailer Insurance, ATV Insurance, and Golf Cart Insurance. 

Is flood insurance included with homeowners insurance? 

Flood damage should not automatically be assumed to be covered by a standard homeowners policy. Flood Insurance provides dedicated protection for qualifying flood-related losses.

We also offer Excess Flood Insurance for situations where additional qualifying flood protection may be needed beyond applicable underlying coverage. 

Can I insure recreational vehicles and watercraft? 

Yes. Our personal insurance options include coverage for motorcycles, boats, yachts, jet skis, RVs and travel trailers, ATVs, and golf carts.

Coverage availability, limits, deductibles, exclusions, and conditions vary by policy and asset.

What types of businesses can request commercial coverage? 

We provide commercial insurance options for different business needs. Available services include coverage for commercial property owners, restaurants, hotels, mini storage facilities, convenience stores, contractors, professional businesses, commercial vehicles, and other qualifying operations.

The appropriate insurance depends on what your business does and the risks associated with its activities. 

What is General Liability Insurance? 

General Liability Insurance generally addresses certain qualifying third-party bodily injury and property damage claims associated with business operations.

We also provide dedicated general liability options for electricians, plumbers, roofers, masonry contractors, concrete contractors, and framers.

What is Professional Liability Insurance? 

Professional liability coverage addresses certain risks arising from professional or organizational activities rather than typical third-party bodily injury or property damage claims.

Our options include Employment Practices Liability Insurance (EPLI), Errors & Omissions Insurance (E&O), Cyber Insurance, and Directors & Officers Insurance (D&O).

Do you offer Commercial Auto Insurance? 

Yes. We offer commercial auto coverage, including options for service trucks, dump trucks, fleet vehicles, and food trucks.

The appropriate coverage depends on factors such as the vehicles, drivers, and how the vehicles are used for business. 

What is Workers' Compensation Insurance? 

Workers' Compensation Insurance is designed to address qualifying employee work-related injuries and occupational illnesses. Available benefits and requirements depend on the applicable coverage and circumstances.

What types of bonds are available? 

A Plus Insurance Agency offers Performance Bonds, Lottery Bonds, and Alcohol Bonds. A bond is different from a standard insurance policy because it generally provides a financial guarantee related to a specific contractual, licensing, regulatory, or commercial obligation.

What information should I have when requesting a bond? 

If possible, have the bond type, required bond amount, name of the party requiring the bond, and information about the underlying obligation available. Additional documentation may be required depending on the bond.