I was drawn to the Mississippi Gulf Coast because of the beautiful beaches and coastal lifestyle, but I’m worried about the price of flood insurance. What’s the real deal on making sure that my home is both protected and affordable?

Insurance is a hot button for any coastal area right now, due to the Biggert Watters Act.  There has been a short reprieve on it but on our contract for purchase there is a built in contingency for due diligence time for insurance. It is best to shop around and ask questions about insurance even before an offer is made. It is recommended to ask at least 2 insurance agencies for quotes to get their opinion as they will guide you making sure it will be properly insured and they will give you suggestions on deductibles and how to make it more affordable.