Frequently Asked Questions

What is an independent insurance agent?

An independent agent isn’t tied to a single insurance company. Instead, we work with multiple carriers and shop among them to find coverage that fits your needs and budget. You get unbiased advice and more options — with one local agent who knows you.

How does getting a quote work?

Start by sending us a quote request with some basic information about what you’d like to insure. We’ll review your needs, shop multiple carriers, and come back to you with personalized options. There’s no obligation — and requesting a quote never affects your current coverage.

What information do you need to give me a quote?

It depends on the type of insurance, but generally we’ll ask for your name and contact information plus basics about what you’re insuring — your vehicles, your home or rental, your family, or your business. The more accurate the details, the more accurate your quote.

Do you collect Social Security or driver’s license numbers online?

No. We never ask for your Social Security number or driver’s license number through our website. If a carrier needs that information later in the process, we’ll handle it with you directly and securely — never through an online form.

How do I file a claim?

If something happens, contact your insurance carrier directly using the claims phone number on your policy documents — that’s the fastest way to get your claim started. Then let us know, too. As your agent, we can help you understand the process, follow up on your behalf, and answer questions along the way.

I live on the Mississippi Gulf Coast. What should I know about homeowners coverage?

Coastal Mississippi comes with wind and hail exposure that inland areas don’t face to the same degree. Many homeowners policies here handle wind and hail differently — sometimes with a separate deductible — and standard policies typically don’t cover flood damage from rising water. If you live near the Coast, it’s worth a conversation to make sure your home is truly protected. We’ll review your policy line by line and explain exactly what’s covered.

Can I insure my home and cars together?

Yes — and it’s often a smart move. Insuring multiple policies with the same carrier, like your home and auto, can unlock bundling discounts that lower the price of both. We’ll check whether bundling saves you money whenever we quote.

Do you only work with certain insurance companies?

No. As an independent agency, we work with multiple insurance carriers rather than just one. That means we can compare coverage and prices across companies and recommend what’s best for you — not what’s best for a single carrier.

Will asking for a quote affect my current policy or rates?

No. Requesting a quote is free, carries no obligation, and doesn’t change anything about your current insurance. It’s simply a way to see your options.

How can I contact B & A Financial Group?

You can reach us by email at info@banksfinancialgroup.com, by phone at (601) 357-0545, or through our Contact Us page. We serve clients across Mississippi and look forward to hearing from you.