Flood Coverage, Community and Doing Insurance Right With Courtney Jacobs 

• By: Olivia Overman
• July 10, 2025

On this episode of Agency Nation Radio, we meet Courtney Jacobs, owner of Insurance Done Right (IDR) in Biloxi, Mississippi. Since launching her agency seven years ago, Jacobs has navigated the complexities of growing a business along the Gulf Coast—where the unique challenges of flood insurance and storm exposure are a constant concern—while also serving in the Air National Guard and giving back to her community through various organizations.

“We have seen a large impact since the flood rates changed a few years ago, which is counting a lot of people out from some of these bigger homes or projects,” Jacobs explains. “Because of our extra exposure down here in the lower six counties in Mississippi, we’re definitely feeling the rate increases. The beauty is that I do have the options as an independent broker, which I do appreciate. But it’s tough because some people just can’t afford it.”

“We do a lot of fundraising for the homeless or for women’s shelters,” Jacobs says when asked about her philanthropy endeavors. “Through those different platforms and organizations, I’m donating, I’m giving back, I’m raising money. Just anything that impacts my community for the better.”

Agency Nation Radio is where insurance professionals turn on the mic and share unscripted stories about leadership, technology, marketing, success and failure—stories that helped make them the professionals they are today. From Main Street USA to the pages of Independent Agent magazine—we’ve got the stories you want to hear. For more, catch Agency Nation Radio on your favorite streaming platform or visit iamagazine.com/category/podcasts.

Jacobs was also featured in the July issue of Independent Agent. Check out her interview here or read the full issue online.