Biloxi Home Owners Insurance Company

C'mon Biloxi, what about Wards 1 and 2?

As a longtime resident of Ward 2 in Biloxi, I am increasingly concerned about the seeming indifference of the administration and City Council toward the basic needs of our area.

The infrastructure of Wards 1 and 2 is in deplorable condition, and had been so for many years prior to Hurricane Katrina. Our streets and sidewalks are dangerous to negotiate. Below ground, our water and sewer pipes are so compromised that they need to be regularly serviced by vacuum trucks.

I often hear city leaders bemoan the lack of residential and commercial vitality in the oldest part of Biloxi, yet little is done to encourage people to return to or enhance the area. It has to all begin with decent streets and effective water and sewer services.

New building requirements, including elevation and setbacks, have significantly impeded redevelopment of this area. Of even greater discouragement is the outrageous cost of insurance.

Federal money that flowed here after Katrina was supposed to help us overcome most of the obstacles, but few people were fortunate to qualify. Grants and affordable loans were small in number and suffocating in regulation and eligibility requirements. To compound matters, a huge portion of the money that was supposed to assist homeowner rebuilding was diverted by our governor to the State Port in Gulfport.

The latest insult is Biloxi’s much-ballyhooed $355 million infrastructure rehabilitation, which is taking forever. Of course, whenever it does, Wards 1 and 2 are probably at the bottom of the to-do list. I’ve heard the bulk of the work is starting in west and north Biloxi, while our area must continue to suffer from the most outdated and deteriorated streets and drainage.

Rebuilding and repopulating Wards 1 and 2 will take time. But the clock hasn’t even started ticking yet because our area continues to take a back seat on the city tax bus to every other area.

C’mon Biloxi, what about us?

How Do You Find Home Insurance? | InsuranceBiloxi.com

How important is home insurance ? Despite today’s poor housing market, you still need a home, and with that comes the need to protect your home. This means, home insurance . But how do you find a home insurance policy that works for you? It’s easy to get lost online, and to confuse one quote or policy with another. Here you will find out what you need to know about home insurance , and how to find a policy or quote that will cover your needs.

What really is home insurance? That is important to know before you try to find a policy or quote. Home insurance is there to protect you from losses that may happen to the contents of your home or your home itself. If you get home insurance, you will be able to cover yourself against certain risks. Because of this, home insurance is a good idea, and can help give you peace of mind. Now lets see what makes one policy different from another policy.

So what makes one home insurance policy different from another? Well, you can always custom make your own home insurance policy that will cover what you decide needs to be covered, but there are also seven different policies for home insurance that you should know about, so you can compare and see what works for you.

The seven home insurance policies are called HOs.

The HO 1 policy will cover eleven perils you may be at risk for. They include many natural occurrences or disasters, such as lightning, windstorm, fire and smoke, and volcanic eruption. It also includes accidental damage such as vandalism, theft, explosion, riots, vehicle damage, and broken windows. It is important to have home insurance which will cover these things, because they are out of your control. The HO 2 policy includes these eleven risks, and will also cover six more risks which you can specify. Both HO 1 and HO 2 are home insurance policies which will also cover high risk items in your home.

HO 3 is another basic home insurance policy. It is almost the same as the HO 1 home insurance policy. The difference is that it is home insurance for single family homes, whereas HO 1 can be home insurance for multiple family buildings. If you are renting or are a tenant, then HO 4 is a great policy. It is the same home insurance as HO 3, but for renters. HO 5 is provides coverage for everything in your house, not just high risk items, for any risk not specifically excluded from the contract. HO 6 is the best home insurance policy for condo owners, and HO 7 is an ideal home insurance policy for old houses. As you can see, each home insurance policy is designed to fit specific types of people.

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