Insurance in Belmont, MS

Tishomingo County, MS

Mc-Wright Insurance Group has written insurance from the same Third Street office in Belmont since 1921. We're an independent agency, so we shop multiple carriers for home, auto and business coverage across Tishomingo County. Coverage terms vary by carrier and policy — an agent here will confirm what applies to you.

Brandon and Tamara Pharr at a community festival in Belmont, Mississippi — A Belmont community festival — the same square the office has sat on since 1921.

Belmont is where this agency started, and it is still where most of the day-to-day work happens. The office on Third Street has changed hands four times since 1921; it has never moved.

What that means practically is that the people writing your policy know the difference between a house on the lake side of the county and one out past the fire district, because they have driven both. Tishomingo County is not an easy place to underwrite from a spreadsheet — it has been included in 19 federal disaster declarations since 1973, eight of them severe storms, and the risk here arrives episodically rather than steadily.

We write personal and commercial coverage across Tishomingo County and the surrounding area, and because we are independent, we shop it rather than sell one company’s answer.

What we write in Belmont

Home Insurance Start a Belmont quote Auto Insurance Start a Belmont quote Business Insurance Start a Belmont quote Renters Insurance Start a Belmont quote

Who you'll talk to in Belmont

Tamara Pharr Agency Owner & Commercial Insurance Agent MS, TN, AL License, PLCS designation, CIC (in progress)

Justin Timbs Personal & Commercial Insurance Agent MS, TN, AL License

Stefany Gilleland Front Line Support — Personal Lines

Mae Tamayo Virtual Assistant — Commercial Lines Support

Selena Rodriguez Bilingual Support — Mc-Wright & EffiZoom

More about the team on our team page.

Local research from our team

Written about Tishomingo County specifically — not general advice.

Questions we get from Belmont

Does Mc-Wright Insurance Group have an office in Belmont?

Yes — Belmont is our main office, at 9 Third Street, and it has been the agency's home since 1921. You can walk in during business hours, and a licensed agent is on site rather than in a call center.

Why would a home just outside Belmont cost more to insure than one in town?

Distance to the fire department is one of the biggest reasons. In Mississippi, a home more than five road miles from a responding fire station is generally rated Protection Class 10, which is the least favorable class carriers use — and that single line item can move a home premium more than most coverage choices do. It is measured in road miles, not straight-line distance.

Does a homeowners policy cover flooding in Tishomingo County?

Flood is typically excluded from a standard homeowners policy and bought separately, whether through the NFIP or a private flood carrier. That is worth knowing here: across the six counties we work in, FEMA data shows only 581 flood policies among 88,943 homes. Whether you need it depends on your specific location, so ask an agent to look at your address.

We only use the place a few months a year. Is that still a homeowners policy?

Often it is not. Carriers usually treat a home that sits unoccupied for long stretches differently from a primary residence, and a policy written for one may not respond the way you expect on the other. Tishomingo County has an unusually high share of vacant housing — about one unit in six — and only a minority of those are seasonal lake places. Tell your agent how the property is actually used.

Let's look at your coverage

Tell us what you're protecting in Belmont and we'll shop it across our carriers.

Get a Quote Call (662) 454-7831