Personal Insurance
The house south of 90. The cars in the driveway.
Homeowners, auto, flood and rental coverage for people who live on this coast, not a template written for inland zip codes.
Your Local Mississippi Gulf Coast Insurance Agency
The right coverage for this coast.
As local Gulf Coast agents, we shop for the best prices without cutting the coverage that matters. We know the market, because we live here too.
Local agentsStraight answersHuman service
Insurance:Homeowners,Commercial,Rental,Auto,Flood
1316 Bienville Blvd
Walk in or call. Either way, a person answers.
1316 Bienville Blvd, Ocean Springs, MS 39564. Walk in Monday through Friday 9am to 5pm. No appointment. Street parking is in front of the office.
We write homeowners, auto, flood, rental, and commercial, including apartment buildings and condo associations. Sitting down is free. You only pay a premium if you buy.
Bring the policy if you have it. A licensed agent will look at what you have, what the Gulf Coast market will write today, and tell you before you leave. If yours is already a good deal, we say that. Nobody has to switch.
In the office, you get the answer in that visit. Follow-up is usually the same business day. Call 228-282-8010 or send the form if you want a number first. The quote is free.
A cheap policy that fails in a storm is not a deal.
We would rather show you a higher number that rebuilds the house than a low one that leaves you writing a check after the wind. Alliance shops the Gulf Coast market, then tells you whether the cheaper option actually covers the property.
South of Highway 90 is a different market.
Carriers leave. Wind deductibles jump. Flood zones move. We keep a running picture of what will actually write in Ocean Springs, Biloxi and Gulfport this month, not last year's brochure.
Rebuild the house, or the number is theater.
We start with what it costs to put the building back, then look at price. A low premium that will not rebuild the house is not a win.
If what you have is fine, we send you home.
Michael, Hayden, John or Caleb will say that out loud. Nobody here is paid to invent a reason for you to switch.
How a visit actually goes
You should leave knowing more than when you sat down.
01
Walk in or call Alliance
Bring the policy if you have it. Or send the form and we work from that. No appointment.
02
We read the actual pages
Not a teaser quote. The wind deductible, the flood gap, what the market will write today.
03
You decide the next step
If a better fit exists, we say so. If yours is already a good deal, we say that too.
What we actually write
The house, the cars, the building.
Not a menu of add-ons.
Explore Personal Insurance →
Commercial Insurance
The building you own, not just the shop downstairs.
Commercial property, apartment buildings and condo associations. We write the structure, not a generic "business package" and hope it fits.
Who we can still place
The Gulf Coast list is shorter than it used to be. We keep the ones who will still write here.
Admitted and surplus lines. We shop the ones that will take a house south of Highway 90 or a building that takes wind, then tell you which number is real.
People notice when their insurance agency actually answers.
★★★★★
"We switched our auto to Michael, better coverage, $300 a month in savings. Then he reviewed our homeowners south of Highway 90 and found a significantly better policy for about $400 less per year."Bryan · Gulf Coast customer · Gautier, Mississippi · Customer since 2025
★★★★★
"Michael Bryant was so helpful and nice. We are paying a third of what we were paying with 4 times more coverage."Sherri Harrell · Google Review · Oct 2022
★★★★★
"John was so efficient with getting us a quote. 10/10 highly recommend this company."Jess McNab · Google Review · Nov 2024
★★★★★
"Caleb worked efficiently to find me affordable homeowners insurance!"Google Review · Sep 2023
You call Alliance. A person here picks up.
228-282-8010 rings a desk.
Michael, Hayden, John or Caleb. Not a queue. Not a ticket.
Same-day when we can, same visit when you are here.
If the answer is in the file, you hear it before you leave the chairs.
We will say the wind deductible out loud.
Percentage hurricane deductibles, flood gaps, replacement cost. The parts that bite after a storm.
You can keep the policy you walked in with.
Sitting down does not create an obligation. If yours is already a good deal, go home with it.
The coverages people on this coast actually need.
Homeowners Insurance
Protect your home with coverage based on what it would actually take to rebuild and replace.
Homeowners Insurance →Flood Insurance
Understand what homeowners insurance does not cover and whether flood protection belongs in your plan.
Flood Insurance →Rental + Landlord Insurance
Coverage designed for property you own but don't call home.
Rental Insurance →For Gulf Coast Business Owners
Commercial coverage should match the building, the risk and the premium.
Premium is only part of what a policy costs your business. Coverage limits, deductibles, replacement values and policy structure all matter. Alliance helps business and property owners look at the entire picture.
Commercial PropertyBusiness CoverageApartment BuildingsCondominium Associations
Gulf Coast Insurance, Explained
Insurance questions you shouldn't need an insurance license to understand.
Meet the people who actually answer the phone.
Real Gulf Coast agents, not a call center, not a chatbot.
Michael Bryant
Owner / Licensed Agent
Homeowners, auto, flood and boat coverage for Gulf Coast families. Michael has built long-term relationships with customers who call when something changes... and he picks up.
Ask him about his hot-towel dispenser. Actually, only ask if you have a few minutes. 😂
Hayden Finlay
Licensed Agent
Fast, detail-oriented and thorough when working through coverage options.
Want to humble yourself? Ask him to identify a random flag, college mascot, or wildly obscure logo.
John Keriazakos
Licensed Agent
Fast, efficient and focused on getting you a quote without dragging things out. Customers call when they need answers quickly, and John delivers.
Golf guy. Eleven-state resident. Perpetually cold. Yes, he probably brought a jacket.
Caleb Barnett
Licensed Customer Service Agent
Homeowners specialist who works efficiently to find affordable Gulf Coast coverage.
He can take almost anything apart and put it back together exactly the way he found it.
Ocean Springs office
Walk in, call, or send a quote request.
Quotes and policy reviews are free. You do not need an appointment, though calling ahead helps if you want a specific agent. Street parking is available on Bienville Boulevard in front of the office. We answer the phone during office hours and usually review online requests the same business day.
- Business
- Alliance Insurance Gulf Coast, independent insurance agency
- Location
- 1316 Bienville Blvd, Ocean Springs, MS 39564
- Phone
- 228-282-8010
- Hours
- Monday–Friday 9am–5pm
- Parking
- Street parking on Bienville Boulevard in front of the office
- Walk-ins
- Welcome during published hours
- Insurance offered
- Homeowners, auto, flood, rental/landlord and commercial insurance
- Service area
- Ocean Springs, Biloxi, Gulfport, Gautier, Pascagoula and the Mississippi Gulf Coast
Request a free quote
Before you call, you may be wondering...
Can I walk in without an appointment?
Yes. Walk in Monday through Friday 9am to 5pm. If you want Michael or a specific agent, call 228-282-8010 first so we can be at the desk.
Do you charge to sit down or run a quote?
No. Sitting down with us is free. The only money that changes hands is the premium, and only if you decide to buy or move a policy.
Where do I park?
Street parking is on Bienville, in front of the office at 1316 Bienville Blvd. You do not need a garage or a lot.
What if the policy I already have is fine?
Then we will tell you. Nobody has to switch companies just because they sat in our office.
Can I get a number before I drive over?
Yes. Call 228-282-8010 or send the form. The quote is free. You are not paying for an estimate.
Do you write commercial, or only houses and cars?
Both. Homeowners, auto, flood and rental for families. Commercial property, apartment buildings and condo associations for people who own the building.
Wondering if there's a better option?
Let's look.